HDFC

HDFC Shoppers Stop Credit Card

Check HDFC Shopper Stop Credit Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

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Issued by

HDFC

HDFC Shoppers Stop Credit Card image
Joining Fee₹299
Annual Fee₹299
Income₹20000
Credit Score725

Key Highlights

Welcome Voucher Worth ₹500 from Shoppers Stop

issued on card activation and redeemable on any purchase at Shoppers Stop stores

Complimentary Shoppers Stop Silver Edge Membership

provided free with the card, offering exclusive privileges at Shoppers Stop

Shopping

1% Reward Points on Non-Shoppers Stop Spends

on all eligible retail spends made outside Shoppers Stop using the credit card

1% Fuel Surcharge Waiver

on fuel transactions as per card terms and conditions

Up to 50 Days Interest-Free Credit Period

from the date of purchase, subject to billing cycle and payment terms

Shopping

₹500 Weekend Shopping Offer

on a single purchase of ₹15,000 or above made over the weekend at Shoppers Stop, capped at once per month and up to five times in a year

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years at the time of application.

Credit Score725

A CRIF score of 725 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

The bank requires a minimum annual income of ₹3 LPA for salaried applicants.

Self-employed Income₹6 LPA

The bank requires a minimum annual income of ₹6 LPA for self-employed applicants.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹299

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetGet a ₹500 Shoppers Stop voucher, redeemable on any purchase at Shoppers Stop, effectively offsetting the joining fee.
Annual Fee₹299

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverN/A
Estimated Annual Saving₹4979

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options

You can redeem your points here:

Earning ExclusionsFuel Transactions, Rent Payments, Wallet Loads, Cash Transactions (including cash advances and withdrawals), Outstanding Payments, Government-Related Payments, Education Payment, Insurance Payments, EMI Transactions
Spend ExclusionsFuel Transactions, Rent Payments, Wallet Loads, Cash Withdrawals and Cash Advances, EMI Transactions, Payment of Card Fees, Charges, Interest, or Penalties, Government Payments, Education Transactions, Insurance Payments, Gift Card or Voucher Purchases

Benefits

All Benefits

  • Receive a ₹500 welcome voucher redeemable at Shoppers Stop on card activation
  • Enjoy complimentary Shoppers Stop Silver Edge membership worth ₹350
  • Earn 3% Reward Points on every purchase made at Shoppers Stop
  • Earn 1% Reward Points on non-Shoppers Stop spends
  • Get Reward Points worth ₹500 per month on spending ₹15,000 or more on weekends at Shoppers Stop
  • Avail a 1% fuel surcharge waiver on fuel transactions, as per bank terms
  • Make quick and secure payments with contactless card functionality
  • Convert large purchases into SmartEMI after transaction completion

Welcome Benefits

  • Get a ₹500 Shoppers Stop voucher on card activation, redeemable on any transaction at Shoppers Stop stores using your HDFC Shoppers Stop Credit Card
  • Enjoy a Complimentary Shoppers Stop Silver Edge Membership provided free with the card, offering exclusive privileges and benefits at Shoppers Stop

Surcharge Waiver Benefits

  • Enjoy a 1% fuel surcharge waiver on fuel transactions, as per HDFC Bank terms and conditions

Bank Offers

  • Access exclusive HDFC Bank–wide offers across select merchant platforms, as made available by the bank

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please review the features and benefits of the card offered carefully before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards.

FAQ

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