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Last updated: 01-06-2026
HDFC Bank Shoppers Stop Credit Card
HDFC Bank

HDFC Bank Shoppers Stop Credit Card

"Best card for Shoppers Stop loyalists โ€” accelerated First Citizen points, exclusive member discounts and special sale access at Shoppers Stop stores"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น50,000 or more in the membership year
๐ŸŽฏ Best Suited For
Regular Shoppers Stop customers who want to maximize First Citizen points and access exclusive member sales; those who shop at Shoppers Stop, MAC, Estee Lauder and other Shoppers Stop group brands
๐ŸŽ Reward Type
First Citizen Points (redeemable at Shoppers Stop) + HDFC CashPoints
๐ŸŽ‰ Welcome Benefit
Shoppers Stop e-gift voucher on card activation โ€” check current welcome offer amount on HDFC website
๐Ÿ’ฐ Reward Rate
Accelerated First Citizen points on all Shoppers Stop purchases (earn rate depends on First Citizen tier); 2 CashPoints per โ‚น200 on all other eligible spends; excludes fuel, wallet, EMI, rent, government; check current Shoppers Stop earn rate on HDFC website
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
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โœ… Pros
  • Accelerated First Citizen points at Shoppers Stop
  • Exclusive member sale access and events
  • Shoppers Stop group brand benefits
  • Low โ‚น500 fee with easy โ‚น50K waiver
  • Fuel surcharge waiver
โŒ Cons
  • No lounge access
  • High forex markup 3.5%
  • Benefits concentrated at Shoppers Stop โ€” niche
  • Low CashPoints earn on non-Shoppers Stop spends
  • Not suitable as primary all-purpose card

๐ŸŽ Rewards & Benefits

Reward Type
First Citizen Points (redeemable at Shoppers Stop) + HDFC CashPoints
Welcome Benefits
Shoppers Stop e-gift voucher on card activation โ€” check current welcome offer amount on HDFC website
Reward Rate
Accelerated First Citizen points on all Shoppers Stop purchases (earn rate depends on First Citizen tier); 2 CashPoints per โ‚น200 on all other eligible spends; excludes fuel, wallet, EMI, rent, government; check current Shoppers Stop earn rate on HDFC website
Reward Redemption
First Citizen points redeemable at Shoppers Stop stores and online; CashPoints via HDFC NetBanking for statement credit, SmartBuy, vouchers
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น50,000 annual spend
Milestone Benefits
Annual fee waiver on โ‚น50K spend; Shoppers Stop tier upgrades based on annual spend
Other Benefits
Accelerated First Citizen points at Shoppers Stop; exclusive access to member sales and events; Shoppers Stop group brand benefits (MAC, Estee Lauder, Clinique at Shoppers Stop counters); fuel surcharge waiver; contactless payments; Smart EMI; HDFC MyCards app management

โœจ Special Perks & Exclusive Offers

Memberships
Shoppers Stop First Citizen (tier based on spend)
Insurance Cover
Zero liability on unauthorized transactions
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
Accelerated First Citizen points; exclusive member sales; Shoppers Stop group brand benefits

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น50,000 or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
No lounge access; high forex markup 3.5%; benefits concentrated at Shoppers Stop โ€” niche card; verify current earn rates on HDFC website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; minimum monthly income โ‚น15,000; Indian resident; CIBIL 650+
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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