HDFC Shoppers Stop Credit Card: Fees, Rewards & Benefits
Shopping card
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A cheap ₹299 co-branded loyalty card that rewards Shoppers Stop devotees with uncapped 6X earning, ₹0.6-value points and a ₹500 voucher on ₹30,000 in-store spend. Off-brand it is a weak ~0.4% card with no lounge access, so its value is entirely store-dependent.
Shopping card
The Bottom Line
The HDFC Shoppers Stop is built for loyal shoppers stop customer and budget co-brand seeker. With a ₹299 annual fee that is waived on ₹1,50,000 yearly spend, it offers 2.4% rewards on shoppers stop (shopping) and 500 bonus points. It makes the most sense if your spending matches loyal shoppers stop customer and budget co-brand seeker.
It earns a base reward rate of 0.4% and stacks best when your spending lines up with Loyal Shoppers Stop customer, Budget co-brand seeker. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealRegular Shoppers Stop shoppers earn 6X uncapped plus a ₹500 voucher on ₹30,000 in-store spend, easily covering the ₹299 fee.
Those wanting a cheap loyalty card with free First Citizen Club membership and no annual cost burden.
Probably not for
SkipOutside Shoppers Stop the 1-point-per-₹150 base is a poor ~0.4% return.
There is no lounge access and a 3.5% forex markup, so travellers gain nothing.
Is It Worth It For You?
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Reward Rates
HDFC Shoppers Stop offers 0.4% basic reward rate.
Quick Calculator
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Welcome Offer
Welcome Benefit of 500 Shoppers Stop points will be credited within 90 days of payment of joining fees.
Milestone Benefits
Shoppers Stop voucher worth Rs. 500 on annual spends of Rs. 30,000 at Shoppers Stop stores.
Renewal fee waiver on spending Rs. 1,50,000 in a year.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 700
- Standard variant (₹299 fee); min ₹20,000/month salaried or ITR >₹6 lakh self-employed; co-branded with Shoppers Stop.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI
- EasyEMI transactions do not accrue First Citizen Points.
Wallet Load
- E-wallet loading transactions do not accrue First Citizen Points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹299 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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