All cards / HDFC Bank
HDFC Bank Shoppers Stop Credit Card
A co-branded entry-level card built for regular Shoppers Stop customers, layering store loyalty tier benefits on top of standard HDFC card infrastructure. Value-back is strong on Shoppers Stop spends but unremarkable elsewhere, so it works best as a secondary card for shopping trips rather than a daily driver.
Annual fee
₹299
Joining fee
₹299
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
3% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: Points redeemable 1:1 for Shoppers Stop vouchers at no cost
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Complimentary Shoppers Stop Silver Edge membership plus a Rs 500 Shoppers Stop voucher on card activation.
- Reward points redeemable 1:1 against Shoppers Stop vouchers.
Pros
- + Instant Shoppers Stop Silver Edge membership
- + Strong value-back on Shoppers Stop purchases
- + Low joining fee relative to other co-brand retail cards
Cons
- − Reward rate on non-Shoppers Stop spends is weak
- − Redemption largely locked to Shoppers Stop vouchers