Card Type

First Citizen Points

Key Features

a. Complimentary FC Black membership worth Rs 4500
b. Earn 20 First Citizen Points for every Rs 150 spent on Shoppers Stop Private label brands, capped at 2,000 First Citizen Points per month
c. Earn 15 First Citizen Points for every Rs 150 spent on all other Shoppers Stop brands,, capped at 2,000 First Citizen Points per month
d. Earn 5 First Citizen Points for every Rs 150 spent on all other spends(except fuel and wallet)
e. ​​​1 FC point= 60 paise

​​​​​​​T&C (w.e.f 1st Jan,2023)

a. Accrual of Reward Points on Grocery Spends will be capped at 1000 points per month per customer
b. There will be no Reward Points accrual on Spends made on Rental and Government category payments  
c. 1% Fees to be charged on Rental transactions - from the 2nd rental transaction done every calendar month
d. 1% Mark-Up charges to be applied on all International DCC transactions

Additional Features

Zero lost card liability : In the unfortunate event of losing your Shoppers Stop BLACK HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. 

Lounge Access

  • 16 complimentary domestic lounge access per calendar year (4 per quarter) Click Here to check the List of Lounges.
  • 8 complimentary international lounge access per calendar year (2 per quarter) 
  • Click Here, for the list of lounges available for the Complimentary Domestic Airport Lounge Access Program from 13th August, 2022.

Fuel Surcharge Waiver

1% fuel surcharge waiver of upto ₹500 per statement cycle, across all fuel stations in India

Welcome Benefit

₹1500 worth Shoppers Stop voucher, redeemable on minimum shopping of ₹5,000 at Shoppers Stop stores (w.e.f. 5th Dec,2022)

Smart EMI

Shoppers Stop BLACK HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here

Contactless Payment

The Shoppers Stop BLACK HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
*To see if your Card is contactless, look for the contactless network symbol  on your Card. 

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons).

Insurance/Comprehensive protection & Nominee details for Insurance

Accidental air death cover:  Accidental air death cover worth  ₹3 Crores.

Emergency overseas hospitalization: Emergency overseas hospitalization of up to  ₹50 lakhs, in case of emergency

Credit Liability Cover:  Credit liability cover of up to ₹9 Lakhs
Click Here to update your nominee details.
Click here to view policy. 

Reward Point/CashBack Redemption & Validity

Earn First Citizen Points for every ₹150 spent on all retail transactions.

Accrued points will reflect in Shoppers Stop membership account and can only be redeemed on Shoppers Stop platform/outlets.



Activation Steps