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Shoppers Stop HDFC Bank Credit Card
Visa 📡 Contactless NFC

Shoppers Stop HDFC Bank Credit Card

Joining Fee₹299
Annual Fee₹299
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Shoppers Stop frequent customers looking for 4% to 6% valueback on apparel and fashion purchases with an accessible ₹50k fee waiver.

Who Should Avoid

Users who do not shop at Shoppers Stop or those seeking airport lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Shoppers Stop shopping voucher worth ₹500 upon card activation and completing 1 transaction within 30 days

6% Rewards on Private Label Brands

Earn 3 First Citizen Points per ₹150 (6% return) on Shoppers Stop private label brands.

4% Rewards at Shoppers Stop

Earn 2 First Citizen Points per ₹150 (4% return) on other brands at Shoppers Stop.

₹500 Welcome Voucher

Shoppers Stop welcome voucher worth ₹500 upon completing the first transaction within 30 days.

💰 Reward Structure & Point Valuation

1 First Citizen Points = ₹3
Standard Base Earning
1 First Citizen Point per ₹150 spent outside Shoppers Stop (2.0% return; 1 Point = ₹3.00 at Shoppers Stop)
Accelerated / Partner Rate
3 First Citizen Points per ₹150 (6.0% return) on Shoppers Stop exclusive private label brands; 2 First Citizen Points per ₹150 (4.0% return) on other brands at Shoppers Stop; ₹500 discount voucher on spending ₹15k on weekends (up to 5 times/year)
Points Validity:24 Months
Redemption Fee: ₹0 (Free)
Redemption Modes: Instant Redemption at Shoppers Stop Store Billing Counters (1 Point = ₹3.00, min 250 points), Shoppers Stop E-Gift Vouchers via shoppersstop.com
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹299 is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹20,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the Shoppers Stop HDFC Bank Credit Card

Annual Fee: ₹299/yr (Waivable)

Apply Online Now →
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🔍 Related Credit Card Collections

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹20,000 All HDFC Bank Credit Cards Best Visa Credit Cards

Frequently Asked Questions

No, Shoppers Stop HDFC Bank Credit Card has a joining fee of ₹299 and an annual renewal fee of ₹299 (plus applicable taxes).
Shoppers Stop HDFC Bank Credit Card ₹299/yr
Apply Now →