Shoppers Stop HDFC Bank Credit Card benefits
- Rewards3%
back as reward points at Shoppers Stop
up to 500 points a month
- Rewards1%
back as reward points on other eligible spends
- Gift₹500
Shoppers Stop voucher as a welcome benefit
- Benefit₹500
a month on a weekend Shoppers Stop purchase of ₹15,000 or more
- Benefit
Free Shoppers Stop Silver Edge membership
- UPI
RuPay card that works on UPI
Shoppers Stop HDFC Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Shoppers Stop3% back as reward points at Shoppers Stop stores and shoppersstop.com, up to 500 points a month. Each transaction must be ₹150 or more. | 3 points per ₹100 | 500 |
| Everything else | 1 points per ₹100 | 1,000 |
We value one point at ₹1 in the usual redemption.
No rewards on: Wallet loads, rent, government payments, fuel, supermarkets, tax, EMI, insurance, jewellery, liquor stores, bakeries and cash withdrawals.
All reward rules
- 1 reward point per ₹100 on other eligible spends, up to 1,000 points a month. Each transaction must be ₹150 or more.
- One point is worth ₹1 only when redeemed for Shoppers Stop vouchers. As statement credit it is worth ₹0.20, and ₹0.25 on the product catalogue or air miles. We use ₹1, so the figures assume you redeem at Shoppers Stop.
- Weekend offer: reward points worth ₹500 for a single Shoppers Stop purchase of ₹15,000 or more on a Friday, Saturday or Sunday, once a month and up to 5 times a year.
- Welcome benefit: a ₹500 Shoppers Stop voucher, used by paying with this card.
- Free Shoppers Stop Silver Edge membership worth ₹350, so you also earn First Citizen points at Shoppers Stop.
- Reward points are valid for 2 years.
What the Shoppers Stop HDFC Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Shoppers Stop where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0% | ₹0 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 3% | ₹1,080 |
| Total | ₹30,000 | ₹3,840 | |
| Renewal fee with GST | −₹353 | ||
| You keep | ₹3,487* |
Shoppers Stop HDFC Bank Credit Card annual fee and charges
- Joining fee
- ₹299
- Annual fee
- ₹299
Joining and renewal fee ₹299 each, before GST. HDFC Bank's fee page lists no spend-based waiver for this card.
Fuel surcharge: 1% fuel surcharge waiver, up to ₹250 a statement cycle.
Shoppers Stop HDFC Bank Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹2,40,000 a year
- Self-employed income
- ₹6,00,000 a year
Indian nationals. Salaried: age 21 to 60 with a monthly income of ₹20,000 or more. Self-employed: age 21 to 65 with an ITR above ₹6 lakh a year.
The bank alone decides approval and your credit limit.
Shoppers Stop HDFC Bank Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the Shoppers Stop HDFC Bank Credit Card right for you?
A card with a ₹299 yearly fee, paying 3% at Shoppers Stop and an above-average 1% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹299 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Shoppers Stop: the card pays 3% back there, against 1% on most other spends.
- It is your first credit card: the terms are simple and the fee is low or nil.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- Your rewards would not reach ₹353 a year: that is the renewal fee with GST, and spending does not waive it.
- You spend more than ₹16,700 a month at Shoppers Stop: the higher rate stops there.
- You rarely use Shoppers Stop: outside it the card pays 1%.
- Much of your spending is on groceries: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Shoppers Stop HDFC Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Shoppers Stop HDFC Bank Credit Card | ₹299 | 3% | ₹2,167* |
| PhonePe SBI Card PURPLE | ₹499 | 3% | ₹3,840* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | 10% | ₹6,720* |
If most of your spending looks like the example above, the PhonePe SBI Card PURPLE may suit you better: it would leave you ₹5,400 a year, against ₹3,487 with the Shoppers Stop HDFC Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Shoppers Stop HDFC Bank Credit Card?
₹299 a year, plus GST. The joining fee is also ₹299. HDFC Bank lists no spend-based waiver for this card.
How much is one reward point worth?
₹1 when you redeem for Shoppers Stop vouchers. As statement credit a point is worth only ₹0.20, so redeem at Shoppers Stop to get full value.
Do grocery and fuel spends earn reward points?
No. Supermarkets, fuel, rent, wallet loads, government payments, insurance and EMIs earn no points.
Can I use the Shoppers Stop HDFC Bank Credit Card on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps and pay by scanning QR codes.