Shoppers Stop HDFC Bank Credit Card Review 2026: Fees & Rewards
Get 3% reward points on Shoppers Stop spends with the HDFC Shoppers Stop Credit Card. Check fees, eligibility, and 1:1 redemption benefits.
The Shoppers Stop HDFC Bank Credit Card is a solid entry-level co-branded card for frequent shoppers of the brand. While it offers excellent value within the Shoppers Stop ecosystem, its utility as a general-purpose card is limited by low base rewards and lack of travel perks.
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The Bottom Line
The Shoppers Stop HDFC Bank Credit Card is a solid entry-level co-branded card for frequent shoppers of the brand. While it offers excellent value within the Shoppers Stop ecosystem, its utility as a general-purpose card is limited by low base rewards and lack of travel perks. With a ₹299 annual fee that is waived on ₹50,000 yearly spend, it offers 0% rewards on shoppers stop and a welcome benefit worth ₹500. For anyone researching shoppers stop hdfc bank credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with shoppers-stop-loyalist, budget-shopper. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealHigh 3% value back and 1:1 redemption specifically for Shoppers Stop vouchers.
Low entry barrier with a small annual fee and easy waiver criteria.
Probably not for
SkipLacks lounge access and travel-specific insurance or rewards.
Monthly reward caps (500 RP for SS spends) limit the benefits for large transactions.
Is It Worth It For You?
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Reward Rates
Shoppers Stop HDFC Bank Credit Card offers 0.2% basic reward rate.
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Welcome Offer
Shoppers Stop Voucher
Milestone Benefits
Valid for single purchase of ₹15,000+ on weekends at Shoppers Stop; max 5 times a year.
Earn 2,000 Reward Points on spending ₹2 Lakhs annually.
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 700
- Salaried individuals aged 21-60 with monthly income > ₹20,000; Self-employed aged 21-65 with ITR > ₹6 Lakhs.
Exclusions & Terms
Fuel
Wallet loads
Rent payments
Government transactions
Insurance
Cash advances
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Frequently Asked Questions
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