Shoppers Stop HDFC Bank Credit Card
The Shoppers Stop HDFC Bank Credit Card is a co-branded card for loyal Shoppers Stop shoppers.
RuPay UPI Scan & Pay Fit Score
88/100
Joining Fee
₹299
Annual Fee
₹299
Reward Rate (%)
1 – 3
1 pts/₹100 · ₹1/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Shoppers Stop HDFC Bank Credit Card Benefits
Shoppers Stop HDFC Bank Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 3%
Earn rate
1
Points / ₹100
₹1
Per point
24 months
Point expiry
Shoppers Stop HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Shoppers Stop HDFC Bank Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- wallet
- rent
- government transactions
- fuel
- supermarkets
- tax payments
- EMI (all types)
- vending machines (misc. foods)
- liquor/package stores
- bakeries
- cash advances/travellers’ cheques
- insurance
- jewellery
- any other categories as decided from time to time
Card Features
Annual Fee: ₹299
This card carries a fixed annual fee of ₹299. At ~1% estimated return, spending approximately ₹2,492/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Shoppers Stop HDFC Bank Credit Card Eligibility
Employment type
Pros & Cons
- Good rewards for regular Shoppers Stop customers
- Complimentary First Citizen membership adds retail benefits
- Useful fashion and lifestyle-focused rewards structure
- Dining discounts improve everyday value
- Annual fee waiver milestone is achievable
- Beginner-friendly rewards card for shopping enthusiasts
- Good seasonal sale and partner offers via HDFC
- Best rewards limited mainly to Shoppers Stop ecosystem
- No airport lounge access
- Reward redemption flexibility is relatively limited
- Forex markup is high for international spending
- Base reward rate outside partner spends is average
- Limited travel and premium lifestyle benefits
- Reward exclusions apply on rent, wallet loads, fuel & government payments
Who is this card for?
Regular Shoppers Stop customers who spend ₹10,000–₹50,000 per year at Shoppers Stop outlets. The low annual fee and instant store rewards make it an easy companion card.
Quick Links
Data last updated 6 Aug 2026
Calculate your exact earnings with Shoppers Stop HDFC Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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