MyFinCards
Shoppers Stop HDFC Bank Credit Card

Joining Fee

₹299

Annual Fee

Rs. 299 + Taxes

Forex Markup

1% + GST

INTERNATIONAL
HDFC Bank
Shopping
Rewards
Best For: Frequent Shoppers Stop shoppers, Lifestyle and fashion shoppers

Shoppers Stop HDFC Bank Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Points Validity

24 Months

Pros

  • 3% reward points on Shoppers Stop spends
  • Free Silver Edge membership worth ₹350
  • ₹500 welcome voucher
  • Weekend milestone bonus of ₹500 rewards monthly
  • Low joining/annual fee of ₹299
  • UPI payments via RuPay network
  • 1% fuel surcharge waiver

Cons

  • Benefits mostly restricted to Shoppers Stop ecosystem
  • Only 1% rewards on non-Shoppers Stop spends
  • Grocery reward points capped at 1,000 per month
  • No reward points on rental and government category payments
  • 1% markup on international DCC transactions

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Grocery reward points capped at 1,000 points per month per customer

No reward points on rental and government category payments

1% fees charged on rental transactions from the 2nd rental transaction every calendar month

1% mark-up charges on all international DCC transactions

Reward points valid for only 2 years

Key Benefits & Features

Welcome voucher worth ₹500 from Shoppers Stop, redeemable on any transaction at Shoppers Stop store

Complimentary Shoppers Stop Silver Edge membership worth ₹350

Up to 50 days of interest-free credit from the date of purchase

Zero lost card liability on fraudulent transactions if reported immediately

Contactless payments supported

Link RuPay Credit Card to UPI for scan-and-pay transactions

Eligibility Criteria

Min. Annual Income

₹2.4 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Passport
Aadhaar Card
Voter ID
Driving Licence
PAN Card
Passport size photographs

ADDRESS Proof

Utility bills (electricity, water, gas, or telephone)
Rental agreement
Passport
Aadhaar Card
Voter ID

INCOME Proof

Salary slips (for salaried individuals)
Income Tax Returns (ITR)
Form 16
Bank statements

Notable Exclusions

No Reward Points accrual on Rental and Government category paymentsGrocery spend reward points capped at 1,000 points per month per customer1% fee charged on rental transactions from the 2nd rental transaction every calendar month

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Shoppers Stop HDFC Bank Credit Card

The Shoppers Stop HDFC Bank Credit Card is a RuPay-powered shopping card designed for frequent Shoppers Stop enthusiasts and lifestyle shoppers seeking meaningful rewards on their retail spending. With a modest joining and annual fee of just ₹299, the card delivers strong value through its core benefit of 3% Reward Points on every Shoppers Stop purchase. New cardholders are welcomed with a ₹500 Shoppers Stop voucher and a complimentary Shoppers Stop Silver Edge membership worth ₹350, making the entry experience rewarding from day one. Beyond the store-specific perks, the card offers weekend shopping benefits worth ₹2,000 on single purchases of ₹15,000 or more at Shoppers Stop, along with 1% Reward Points on all non-Shoppers Stop spends including groceries, dining, hotels, and flights. A 1% fuel surcharge waiver adds further everyday utility. Reward Points are valued at ₹1 each when redeemed against Shoppers Stop vouchers, with a validity of two years. The card also includes practical banking features such as up to 50 interest-free credit days, SmartEMI conversion for large purchases over 9 to 36 months, revolving credit facility, and contactless payment capability. UPI compatibility via RuPay allows scan-and-pay transactions, while the MyCards platform enables seamless card management. Overall, the card can deliver estimated annual savings of up to ₹26,850 based on typical spending patterns.

Expert Review

Our Verdict

Best for Shoppers Stop loyalists with 3% rewards on SS spends & free Silver Edge membership.

Frequently Asked QuestionsAbout Shoppers Stop HDFC Bank Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Shoppers Stop HDFC Bank Credit Card?
For salaried individuals, you must be an Indian national aged between 21 and 60 years with a minimum monthly income of ₹20,000. For self-employed individuals, you must be an Indian national aged between 21 and 65 years with an annual ITR of more than ₹6,00,000. Meeting these basic criteria makes you eligible to apply for the Shoppers Stop HDFC Bank Credit Card.
FEESWhat are the joining and annual fees for the Shoppers Stop HDFC Bank Credit Card?
The Shoppers Stop HDFC Bank Credit Card has a joining fee of ₹299 plus applicable taxes, and the annual renewal membership fee is also ₹299 plus applicable taxes. This makes it a very affordable card with low entry and maintenance costs, especially considering the shopping benefits and rewards it offers, particularly for regular Shoppers Stop shoppers.
REWARDSHow many reward points do I earn on Shoppers Stop purchases?
You earn 3% Reward Points on every purchase made at Shoppers Stop using the Shoppers Stop HDFC Bank Credit Card. This makes it a highly rewarding card for regular Shoppers Stop customers. Additionally, you earn 1% Reward Points on all other non-Shoppers Stop spends, including categories like groceries, hotels, flights, and dining, giving you rewards across your everyday expenses as well.
REWARDSWhat is the value of each Reward Point and how can I redeem them?
The value of each Reward Point depends on the redemption avenue. When redeemed against Shoppers Stop vouchers via NetBanking, 1 Reward Point equals ₹1, making it the most valuable redemption option. For other options: Product Catalogue and Airmiles give ₹0.25 per point, while Cashback and Unified SmartBuy (Flights/Hotels) give ₹0.20 per point. Reward Points are valid for 2 years from the date of accrual.
BENEFITSWhat welcome benefits do I get with the Shoppers Stop HDFC Bank Credit Card?
As a new Shoppers Stop HDFC Bank Credit Card holder, you receive a welcome voucher worth ₹500 from Shoppers Stop, redeemable on any transaction at a Shoppers Stop store using your credit card. You also get a complimentary Shoppers Stop Silver Edge Membership worth ₹350. These welcome benefits together are worth ₹850, significantly offsetting the ₹299 joining fee.
BENEFITSWhat is the weekend shopping offer on the Shoppers Stop HDFC Bank Credit Card?
The Shoppers Stop HDFC Bank Credit Card offers a special weekend milestone bonus where you earn Reward Points worth ₹500 per month for a single purchase of ₹15,000 or more made on weekends at Shoppers Stop. This benefit provides up to ₹500 in monthly rewards for eligible weekend shoppers, making it a great incentive for customers who regularly shop large amounts at Shoppers Stop on weekends.
REWARDSAre there any restrictions on earning reward points?
Yes, there are a few restrictions to note. Reward Points accrual on grocery spends is capped at 1,000 points per month per customer. No Reward Points are earned on spends made in rental and government category payments. A 1% fee is also charged on rental transactions from the second rental transaction made every calendar month. International DCC transactions attract a 1% mark-up charge as well.
DOCUMENTSWhat documents are required to apply for the Shoppers Stop HDFC Bank Credit Card?
You need to submit the following documents: For Identity Proof — Passport, Aadhaar card, Voter ID, Driving licence, PAN card, or passport-size photographs. For Address Proof — Utility bills (electricity, water, gas, or telephone), rental agreement, Passport, Aadhaar card, or Voter ID. For Income Proof — Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, or bank statements.
APPLICATIONHow can I apply for the Shoppers Stop HDFC Bank Credit Card?
You can apply for the Shoppers Stop HDFC Bank Credit Card through three channels: (1) Online via the HDFC Bank website by clicking the 'Apply Now' button; (2) Via NetBanking if you are an existing HDFC Bank customer, by logging in and applying from the 'Cards' section; or (3) By visiting your nearest HDFC Bank branch for in-person assistance. The online process involves validating your phone number and PAN, confirming details, selecting your card, and submitting.
USAGECan I use the Shoppers Stop HDFC Bank Credit Card for UPI payments?
Yes, since the Shoppers Stop HDFC Bank Credit Card is on the RuPay network, you can link it to a UPI-enabled app and use it for scan-and-pay UPI transactions. This allows you to enjoy the card's reward benefits even on UPI transactions at merchants who accept UPI payments, offering a convenient and flexible payment experience without needing to swipe a physical card.
BENEFITSIs there a fuel surcharge waiver on the Shoppers Stop HDFC Bank Credit Card?
Yes, the Shoppers Stop HDFC Bank Credit Card offers a 1% fuel surcharge waiver. This benefit applies at fuel stations across India, helping you save on fuel transactions. Based on the card's value chart, the fuel surcharge waiver is applicable for up to ₹250 per statement cycle. This adds to the overall savings potential of the card beyond just shopping benefits.
USAGEWhat is the Smart EMI feature on the Shoppers Stop HDFC Bank Credit Card?
The Smart EMI feature allows you to convert large purchases made on your Shoppers Stop HDFC Bank Credit Card into easy monthly instalments after the transaction. You can repay over flexible tenures ranging from 9 to 36 months at attractive interest rates. The loan is pre-approved, so no additional documentation is required. The credit is processed directly into your HDFC Bank account within seconds.
INTERNATIONALAre there any charges for international transactions on the Shoppers Stop HDFC Bank Credit Card?
Yes, the Shoppers Stop HDFC Bank Credit Card applies a 1% mark-up charge on all international Dynamic Currency Conversion (DCC) transactions. This means that if you use your card abroad or for international online purchases where DCC is applied, a 1% fee will be added. The card has a forex markup of 1%, which is relatively low compared to many other credit cards but is still a cost to consider for international usage.
USAGEHow do I manage my Shoppers Stop HDFC Bank Credit Card?
You can manage your Shoppers Stop HDFC Bank Credit Card through HDFC Bank's MyCards platform, a mobile-based service that requires no password or downloads. Using MyCards, you can activate your card, set your PIN, manage card controls (online spends, contactless transactions), view transactions, download e-statements, check and redeem reward points, block or re-issue your card, and even apply for and manage add-on cards. It serves as a single unified platform for all card needs.
OTHERWhat fraud protection does the Shoppers Stop HDFC Bank Credit Card offer?
The Shoppers Stop HDFC Bank Credit Card offers Zero Lost Card Liability, which protects you against fraudulent transactions made on your credit card, provided you report the loss or fraud immediately to HDFC Bank's 24-hour Call Centre. Additionally, the card supports contactless payment technology and has robust protection against unauthorised transactions, ensuring a secure shopping experience both in-store and online.

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