Shoppers Stop HDFC Bank Credit Card
A ₹299 Shoppers Stop co-branded card earning reward points: 3 per ₹100 at Shoppers Stop (up to 500 a month) and 1 per ₹100 elsewhere (up to 1,000 a month), worth ₹0.20 each as statement credit or ₹1 on Shoppers Stop vouchers. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹299 plus GST Product page |
|---|---|
| Annual fee | ₹299 plus GST Fee schedule |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| No renewal-fee waiver on spend is stated on the product page, the fees page or the card terms. | |
| Reward redemption fee | ₹50 plus GST Terms |
Rewards
Reward points, ₹0.20 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Spends outside Shoppers Stop: 1% of spend as reward points (1 per ₹100), transactions of ₹150 or more | 20 points per ₹2,000 Terms | up to 1,000 points a month Terms |
Shoppers Stop purchases earn 3 points per ₹100 (up to 500 a month), recorded as a highlight because Shoppers Stop is a single brand. The current terms give no separate rate for UPI spends on the RuPay variant. Statement-credit redemption needs at least 500 points.
No rewards on
- Wallet loads, rent, government payments and tax, fuel, supermarkets, EMI, insurance, liquor stores, bakeries and jewellery Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived, up to ₹250 a statement cycle (no transaction range is stated) Product page
- Welcome: ₹500 Shoppers Stop voucher, usable only at Shoppers Stop when paying with this card Terms
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 3 reward points per ₹100 at Shoppers Stop stores and website, up to 500 points a month Terms
- Points worth ₹1 each against Shoppers Stop vouchers Terms
- ₹500 a month for one Shoppers Stop purchase of ₹15,000 or more at a weekend, up to 5 times a year Terms
- Shoppers Stop Silver Edge membership worth ₹350 Terms
- RuPay variant links to UPI for scan-and-pay Terms
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: monthly income of ₹20,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Not published by HDFC Bank in the documents read
- the foreign-currency markup for this card
- the card network of the standard (non-RuPay) variant
- a renewal-fee waiver on spend
- a reward rate for UPI spends in the current terms
- a lounge benefit
Where HDFC Bank’s documents differ, and what is used
- Groceries: the card terms list supermarkets among spends that earn no reward points, while the product page caps grocery points at 1,000 a month and its value chart counts groceries among 1% spends. CardWise follows the card terms.
- Monthly caps: the terms give 500 and 1,000 reward points; HDFC Bank's notice of the 1 Mar 2024 relaunch gives "Rs.500" and "Rs.1000" a month. The terms are used.
- HDFC Bank's RuPay credit card page still describes the pre-March 2024 card (First Citizen points: 6 or 2 per ₹150); the 1 Mar 2024 notice replaced these with HDFC Bank reward points.
The quotes behind the figures
34 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining/Renewal Membership Fee - ₹299/- + Applicable Taxes”
“The Shoppers Stop Credit Card incurs an annual fee of ₹299, which is subject to applicable taxes.”
“The redemption against the statement balance will be at the rate of 1 Reward Point = 0.2, and can be done via Net Banking login, Phone Banking, or physical redemption form.”
“8th Jan Online order on Apparels 2,000 20 1% Reward Points Category”
“Non-Shoppers Stop spends 1% 1000 RP Min Transaction of INR 150”
“Table 1.1 Type of Spends Reward Points Monthly Capping Min Requirement Exclusions/ Inclusion”
“Exclusion for 1% cashback category - Fuel, Rent, Government related transactions, EMI, Wallet and Jewellery”
“No Reward Points accrual on Spends made on Rental and Government category payments.”
“Wallet Rent Government related transactions Fuel Supermarkets TAX EMI (all type) Vending Machine - Miscellaneous foods Package Stores, beer, wine, liquor Bakeries Cash advances, Purchase of travelers' cheques Insurance”
“Link RuPay Credit Card to UPI for scan-and-pay transactions”
“Joining/renewal membership fee: ₹299 plus applicable taxes”
“1st Jan Purchase on Shoppers Stop Store or online order on shoppers stop 3,000 90 3% Reward Points Category”
“The minimum Reward Points balance required for redemption against the statement balance is 500 Reward Points.”
“Accrual of Reward Points on Grocery Spends will be capped at 1,000 points per month per customer.”
“Includes Groceries, Hotel and flights, Dining etc”
“Weekend offer is Capped to maximum once in a month and 5 times in a year.”
“Unredeemed Reward Points will expire/lapse after 2 years of accumulation.”
“Earn 6 First Citizen Points for every ₹150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month.”
“Earn 3% Reward points on every SS Spends & 1 % Reward Points on Non- SS Spends (Maximum capping of Rs.500 per month on Shoppers Stop spends & Rs.1000 per month for non-shoppers stop spends)”
“Effective 1st August 2024, if you redeem your rewards towards statement credit (CashBack), a 50 redemption fee will be charged.”
“1% Fuel Surcharge Waiver (250/ Statement cycle)”
“Rs 500 worth of Shoppers Stop voucher from Shoppers Stop, redeemable on any transaction at Shoppers Stop store.”
“Shoppers Stop Spends 3% 500 RP Min Transaction of INR 150”
“1 Reward point=1 Re when redeemed against Shoppers Stop vouchers.”
“Earn Rs.500 per month for a single purchase of Rs.15,000 or above on Shoppers Stop over the weekend.”
“Customers will get Complimentary Shoppers Stop Silver Edge membership worth Rs. 350 as soon as they receive the card.”
“Yes, only Mass variant of the card can be linked with UPI for "Scan n Pay" feature.”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Nationality: Indian”
“Income (Monthly) - ₹20,000”
“Annual ITR > ₹6,00,000”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“HDFC Bank RuPay Shoppers Stop Credit Card Make your shopping experience rewarding.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology