{
  "id": "hdfc-shoppers-stop-black-credit-card",
  "locale": "en",
  "name": "HDFC Shoppers Stop Black Credit Card",
  "bank": "HDFC Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹4,500 + GST",
  "loungeAccess": "8 Complimentary Domestic Airport Lounges/yr (2 per quarter)",
  "rewardsRate": "20 SS pts / ₹150 at Shoppers Stop (13.3%) · 4 pts Base · 8 Lounges · ₹5k Welcome",
  "bestFor": "Shoppers Stop luxury department store loyalty shoppers, premium apparel, cosmetics & luxury perks",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/shoppers-stop-black-credit-card",
  "aiVerdict": {
    "score": 6.6,
    "summary": "Its strong reward rate offset limited lounge access.",
    "tradeOffs": [
      "High annual fee (₹4500) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 13.3,
  "affiliateId": "hdfc-shoppers-stop-black-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Shoppers Stop Black Credit Card schedule of charges",
    "Shoppers Stop First Citizen Black member rewards program"
  ],
  "feeWaiver": "Waived at ₹4,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Shoppers Stop Spends",
      "value": "20 pts / ₹150 (13.33%)"
    },
    {
      "key": "General Retail",
      "value": "4 pts / ₹150 (2.67%)"
    },
    {
      "key": "Welcome Vouchers",
      "value": "₹5,000 Shoppers Stop"
    },
    {
      "key": "Airport Lounges",
      "value": "8 Domestic / yr (2/qtr)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹4,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹4,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Shoppers Stop & HomeStop Stores",
      "rate": "20 SS pts / ₹150 (13.33%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "13,333 pts (₹8,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "4 SS pts / ₹150 (2.67%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,666 pts (₹1,600 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Shoppers Stop / MAC",
      "multiplier": "20 / ₹150",
      "rate": "13.33%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "On in-store & online shopping."
    },
    {
      "channel": "Welcome Gift",
      "multiplier": "Vouchers",
      "rate": "₹5,000 Value",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "Shoppers Stop gift cards."
    },
    {
      "channel": "Airport Lounges",
      "multiplier": "8 / year",
      "rate": "2 / quarter",
      "monthlyCap": "2 / qtr",
      "dailyCap": "—",
      "note": "Across Indian airports."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Shoppers Stop POS Billing Adjustment",
      "value": "1 pt = ₹0.60",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Shoppers Stop Online Gift Vouchers",
      "value": "1 pt = ₹0.60",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹4,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,500 + GST (Waived at ₹4 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1,00,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}