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Credit Cards · India

Shoppers Stop HDFC Bank Credit Card

Updated 5 Jul 2026Source-linked

The Shoppers Stop HDFC Bank Credit Card is a entry co-branded credit card from HDFC Bank and Shoppers Stop, with a joining fee of ₹299 + GST.

It earns up to 3 pts per ₹100 (≈3.0% value) on Shoppers Stop spends in the form of reward points (points).

Welcome benefit: ₹500 Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store via the card..

HDFC Bank logo
Shoppers Stop HDFC Bank Credit Card
RuPay logo
  • Joining Fee₹299
  • Annual Fee₹299
  • Best Suited ForOnline shopping
  • Reward TypeReward Points (points)
Rewards Rate
  • 3 pts per ₹100 on shoppers stop purchases (cap 500 points / monthly)
  • Base 1.00% on other spends
Welcome Benefits
  • ₹500 Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store via the card.
  • Complimentary Shoppers Stop Silver Edge membership.
Data verified 5 Jul 2026 — see our methodology
HDFC Bank logoHDFCRuPay logoentryCo-brand · Shoppers Stop
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Rewards and Benefits

Rewards Rate
3 pts per ₹100 on shoppers stop purchases (cap 500 points / monthly)
Base 1.00% on other spends.
Reward Redemption
Shoppers Stop: 1 Reward Point = ₹1 when redeemed against a Shoppers Stop voucher. Redemption Limit applicable from 1st Jan, 2023.
Welcome Benefits
₹500 Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store via the card.
Milestone Rewards
  • ₹15,000 / monthly: Reward Points worth ₹500 for a purchase of ₹15,000 or above on weekends at Shoppers Stop.
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo
  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,221/yr

₹5,520 rewards − ₹299 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions .
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by HDFC Bank and Shoppers Stop.
  • Joining / annual fee of ₹299 + GST.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈3.0% on shoppers stop purchases.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • ₹500 Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store via the card.
    On card issuance
  • Complimentary Shoppers Stop Silver Edge membership.
    On card issuance

Accelerated rewards

  • 3 pts per ₹100 on shoppers stop purchases (cap 500 points / monthly)
    Merchants: shoppers-stop
    3% Reward Points on every Shoppers Stop purchase (vs 1% base on non-Shoppers Stop spends).
Capping rules
  • Minimum transaction of ₹150 required to earn Reward Points.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • emi

Milestone benefits

  • ₹15,000 / monthly: Reward Points worth ₹500 for a purchase of ₹15,000 or above on weekends at Shoppers Stop. (≈ ₹500 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions .

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
—
Income (salaried)
₹2,40,000 p.a.
Income (self-employed)
₹6,00,000 p.a.

Salaried: age 21-60, monthly income ₹20,000 (₹2.4L annual). Self-employed: age 21-65, annual ITR > ₹6,00,000.

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