Store card
Shoppers Stop HDFC Credit Card
A low-fee card for Shoppers Stop regulars: 3% back as points on Shoppers Stop spends, weekend bonuses and a welcome voucher.
Joining fee₹299 + GST
Annual fee₹299 + GST
Fee waiverNone
Top reward3% at Shoppers Stop
LoungeNone
Forex markup3.5%
Best for: People who shop at Shoppers Stop several times a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Shoppers Stop, in store and online (₹150 or more) | 3 points per ₹100 | 500 points a month |
| Other spends (₹150 or more) | 1 point per ₹100 | 1,000 points a month |
| Fuel, rent, groceries, wallet, government, insurance, EMI, jewellery | Nothing | – |
- 1 point = ₹1 only on Shoppers Stop vouchers; as statement credit it is worth ₹0.20.
- Points are valid for 2 years.
Benefits
Welcome benefit
- ₹500 Shoppers Stop voucher and Silver Edge membership.
Milestones
- ₹500 in points on a single Shoppers Stop bill of ₹15,000+ on Friday to Sunday, once a month and up to 5 times a year.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹250 a cycle.
- Forex markup 3.5%.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹299 + GST (₹353) |
|---|---|
| Annual fee | ₹299 + GST, no spend waiver |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, ₹20,000 a month
- Self-employed: age 21 to 65, ITR over ₹6 lakh
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 3% at Shoppers Stop
- Welcome voucher covers the fee
- Works on UPI
Watch out for
- Points only valuable at Shoppers Stop
- Low monthly caps
- No fee waiver
Recent changes
- 15 May 2026Currency conversion fee on rupee payments abroad raised to 1.75%.
- 1 Mar 2024Earn rates cut to 3% and 1% with caps; card no longer lifetime free.
Frequently asked questions
Is Shoppers Stop HDFC lifetime free?
No. Since March 2024 it costs ₹299 + GST a year, with no spend waiver.
Ready to apply for the Shoppers Stop HDFC Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.