HDFC Bank
Shoppers Stop HDFC Bank Credit Card
Your rating
Community rating
Joining Fee
₹299
Annual Fee
₹299
Reward Rate
1% – 3%
Forex Markup
3.5%
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Key Benefits
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
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026