Shoppers Stop HDFC Bank Credit Card
HDFC Bank
Annual / renewal fee
₹299 + Applicable Taxes per annum (Joining/Renewal Membership Fee).
Verifiedharvested from product page30 Jul 2026, 5:25 PM ISTHDFC Bank
Earn rate
- 3% Reward Points on Shoppers Stop spends (online/offline at Shoppers Stop stores and official website; min transaction ₹150).
- 1% Reward Points on non-Shoppers Stop spends (min transaction ₹150).
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Shoppers Stop HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹299 + Applicable Taxes (Joining/Renewal Membership Fee).
Verifiedharvested from product page30 Jul 2026, 5:25 PM ISTHDFC Bank
Annual / renewal fee
₹299 + Applicable Taxes per annum (Joining/Renewal Membership Fee).
Verifiedharvested from product page30 Jul 2026, 5:25 PM ISTHDFC Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
₹299 + applicable taxes per year (Renewal Membership Fee, equivalent to joining fee).
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Rewards
- 3% Reward Points on Shoppers Stop spends (online/offline at Shoppers Stop stores and official website; min transaction ₹150).
- 1% Reward Points on non-Shoppers Stop spends (min transaction ₹150).
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM IST
Award example
- Example (billing cycle 15 Jan'24 to 14 Feb'24): ₹3,000 Shoppers Stop purchase earned 90 RP (3% category).
- ₹2,000 apparel online earned 20 RP (1%).
- ₹15,000 rent earned NA (excluded MCC).
- ₹25,000 electronics earned 250 RP (1%).
- ₹17,000 weekend Shoppers Stop purchase earned 910 RP (500 RP weekend benefit + 410 RP to hit 500 monthly cap).
- Total ₹58,000 spends = 1,080 Reward Points.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Redemption value
- 1 Reward Point = Re 1 when redeemed against Shoppers Stop vouchers.
- Other options: Product Catalogue up to 0.25, Cash Back 0.2, Airmiles 0.25, Unified SmartBuy (Flights/Hotels) 0.2.
- Min redemption vs statement balance: 500 Reward Points.
- Statement credit rate: 1 RP = ₹0.2 with ₹50 redemption fee (w.e.f 1 Aug 2024).
- Reward catalogue redemption handling charge: ₹99 + Taxes.
- Reward Point validity: 2 years.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Reward cap
- 3% category monthly cap: 500 Reward Points.
- 1% category monthly cap: 1000 Reward Points.
- Cardholder can earn up to 500 Reward Points under the 3% feature on Shoppers Stop spends per month.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Reward exclusion
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Welcome benefit: ₹500 worth of Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store using the Shoppers Stop HDFC Bank Credit Card (welcome message sent via WhatsApp within 3 working days of onboarding).
- Also complimentary Shoppers Stop Silver Edge membership worth ₹350 on card receipt.
- Threshold: no spend threshold stated on official source.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Dining benefit
- Complimentary Shoppers Stop Silver Edge membership worth ₹350 as soon as the customer receives the card.
- Customers earn First Citizen Reward Points as a Shoppers Stop Silver member over and above the card features.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Milestone benefit
- Weekend offer: Earn ₹500 (per month) for a single purchase of ₹15,000 or above on Shoppers Stop over the weekend (Friday, Saturday and Sunday).
- Capped to a maximum of once in a month and 5 times in a year.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Eligibility
Eligibility
- Individuals above the age of 21 years can apply for the Shoppers Stop HDFC Bank Credit Card.
- Based on the Bank's internal policy, the potential customer will be given the right card.
VerifiedShoppers Stop HDFC Bank Cobrand Credit Card - FAQs (incl. reward redemption values)30 Jul 2026, 5:25 PM ISTHDFC Bank
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Fuel surcharge waiver
- 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5000.
- Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).
Verifiedharvested from product page30 Jul 2026, 5:25 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) credit period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
Verifiedharvested from product page30 Jul 2026, 5:25 PM ISTHDFC Bank
Transfers
Transfer rule
- For redemption against Flights and Hotels via SmartBuy, up to 50% of booking value can be redeemed through Reward Points.
- Rest paid via HDFC Bank Credit Card.
- Flights & hotels redemption capped at 50,000 RP per calendar month (w.e.f 1 Jan 2023).
- Reward Point redemption capped at 50,000 RP per calendar month (w.e.f 1 Feb 2023).
- Up to 70% of product/voucher value redeemable on select vouchers/products (w.e.f 1 Feb 2023).
- Unredeemed points lapse after 2 years.
VerifiedTerms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card30 Jul 2026, 5:25 PM ISTHDFC Bank
Common questions
What is the annual fee on the Shoppers Stop HDFC Bank Credit Card?
Officially traced: Rs. 299 + Applicable Taxes per annum (Joining/Renewal Membership Fee).
harvested from product pageWhat is the joining fee on the Shoppers Stop HDFC Bank Credit Card?
Officially traced: Rs. 299 + Applicable Taxes (Joining/Renewal Membership Fee).
harvested from product pageHow does the Shoppers Stop HDFC Bank Credit Card earn rewards?
3% Reward Points on Shoppers Stop spends (online/offline at Shoppers Stop stores and official website.
Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit CardWhat welcome benefit does the Shoppers Stop HDFC Bank Credit Card offer?
Welcome benefit: Rs. 500 worth of Shoppers Stop voucher, redeemable on any transaction at a Shoppers Stop store using the Shoppers Stop HDFC Bank Credit Card (welcome message sent via WhatsApp within 3 working days of onboarding).
Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit CardWhat are the transfer ratios for Shoppers Stop HDFC Bank Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedShoppers Stop HDFC Bank Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:07 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.