Shoppers Stop HDFC Bank Credit Card

Joining fee

₹299 + GST

Renewal fee

₹299 + GST

Add-on card fee

₹0

Welcome benefit

₹500 worth of Shoppers Stop voucher.

Reward rate

3% Reward Points on every Shopper Stop purchase; 1% Reward Points on non-Shoppers Stop spends.

EMI spend earning

Reward Points/CashPoints accrued will be reversed if a retail transaction is converted into SmartEMI.

Fuel earning

Reward Points will not be accrued for Fuel.

Government spend earning

No Reward Points accrual on spends made on Government category payments.

Groceries earning

Reward Points on Grocery Spends capped at 1,000 points per month per customer.

Insurance spend earning

Reward Points will not be accrued for Insurance.

Rent earning

No Reward Points accrual on spends made on Rental category payments.

Reward earning on dining spends

1% Reward Points on all other spends, which includes Dining

Travel earning

1% Reward Points on all other spends, which includes Hotel and flights

Wallet load earning

E-wallet loading transaction will not accrue Reward Points.

Reward exclusions

No Reward Points accrual on Rental and Government category payments.

Reward caps

Monthly Capping: Shoppers Stop Spends 3% 500 RP; Non-Shoppers Stop spends 1% 1000 RP.

What one reward unit is worth

Product Catalogue 0.25; Cash Back 0.20; Airmiles 0.25; Unified SmartBuy (Flights/Hotels) 0.20.

Redeeming points for travel

Unified SmartBuy (Flights/Hotels): 1 Reward Point Value 0.20.

Statement-credit redemption

1 Reward Point = ₹0.2.

Voucher and product redemption

1 Reward Point = ₹1 when redeemed against Shoppers Stop vouchers.

Point expiry

Reward Points are valid for 2 years.

Milestone benefits

Reward Points worth ₹500 per month for a purchase of ₹15,000 or above on weekends at Shoppers Stop.

Membership tiers and what unlocks them

Complimentary Shoppers Stop Silver Edge membership worth ₹350.

Fuel surcharge waiver

1% fuel surcharge waiver

Surcharge on railway tickets

1% of the transaction amount + GST

Lost card liability

Zero Lost Card Liability on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre.

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

repayable over 9 to 36 months

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

40% of the Credit Limit.

Interest on unpaid balance

3.75% Monthly, 45.0% Annually

Interest-free period

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

Late payment fee

₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹501 to ₹1,000: ₹500; ₹1,001 to ₹5,000: ₹600; ₹5,001 to ₹10,000: ₹750; ₹10,001 to ₹25,000: ₹900; ₹25,001 to ₹50,000: ₹1,100; more than ₹50,000: ₹1,300 (excl. GST)

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI: processing fees levied is upto ₹849 (exclusive of GST), depending on the customer’s eligibility

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99+Taxes towards redemption handling charges

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.

GST note

GST levied will not be reversed on any dispute on Fee & Charges / interest

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Income, salaried

Monthly Income ₹20,000

Income, self-employed

Annual ITR > ₹6,00,000

Minimum age

Age: 21 – 60 years.

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Indian