Shoppers Stop HDFC Bank Credit Card
Shopping
Co-branded
Reward Points
1st Year Fee: ₹299* Plus Applicable Taxes
Co-branded
Shoppers Stop Silver Membership
Shopping
3% reward points on Shoppers Stop
Rewards
1% rewards on everyday spends
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About Shoppers Stop HDFC Bank Credit Card
HDFC Shoppers Stop Credit Card is a co-branded card and the base variant of Shoppers Stop Black HDFC Bank Credit Card. With an annual fee of Rs. 299, it offers 3% value back on Shoppers Stop spends and 1% on other spends, including everyday categories such as groceries and departmental stores.
Cardholders can accumulate reward points and redeem them against Shoppers Stop vouchers at a 1:1 ratio—making it a suitable option for loyal Shoppers Stop customers. Additionally, welcome benefits, such as a Shoppers Stop Silver Edge Membership and a Shoppers Stop voucher worth Rs. 500, enhance the overall value of this card for loyal customers of the partnered brand.
While this card is a decent fit for Shoppers Stop customers, it offers limited benefits beyond that, as it has a low reward rate of 1% on other spends and a low reward redemption value of up to 1 RP = 0.25 when redeemed against other categories like travel bookings, cashback and more.
Being a co-branded card, it justifies its annual fee. However, consumers looking for an all-rounder entry-level card may consider other options, as the benefits of this card can only be maximized if you frequently shop at Shoppers Stop.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Rewards Program
Reward Earning
- 3% reward points on Shoppers Stop purchases, up to 500 reward points per month
- 1% reward points on non-Shoppers Stop purchases, up to 1,000 reward points per month1,2
Reward Points Redemption
- Redeem against Shoppers Stop vouchers at a value of 1 Reward Point = Rs. 1
- Redeem against product catalogue and airmiles at a value of up to 1 Reward Point = Rs. 0.25/Airmile
- Redeem against cashback and travel bookings through SmartBuy portal at a value of 1 Reward Point = Rs. 0.20
Other Features & Benefits
Welcome Benefits
- Complimentary Shoppers Stop Silver Edge Membership worth Rs. 350
- Shoppers Stop discount voucher worth Rs. 500, redeemable on any bill value
Fuel Benefit
- 1% fuel surcharge waiver, up to Rs. 250 per month, across all fuel stations in India, on fuel spends between Rs. 400 and Rs. 5,000
Smart EMI
- Convert big ticket spends into easy installments using Smart EMI facility
Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 299 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 299 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You frequently shop at Shoppers Stop and prefer earning reward points
You want to redeem accumulated rewards against Shoppers Stop vouchers to maximize benefits
You are looking for a card that offers basic value back on everyday expenses, such as grocery spends
You prefer complimentary Shoppers Stop vouchers as a welcome benefit
Eligibility Criteria
Age: 21 to 65 years
Occupation: Salaried or Self-employed
Income: Rs. 20,000 per month for Salaried
Income: Rs. 6 LPA for Self-employed
Paisabazaar Review
What do we like about this card?
With 3% value back on Shoppers Stop spends, Shoppers Stop HDFC Bank Credit Card is a reasonable choice for loyal Shoppers Stop customers. Cardholders can accumulate reward points on every spend and redeem them against Shoppers Stop vouchers at a 1:1 ratio, allowing consumers to save on their purchases. The card not only compensates for the joining fee, but surpasses it by offering a complimentary Shoppers Stop Silver Edge membership worth Rs. 350 and a voucher worth Rs. 500.
Pros
- 3% value back on Shoppers Stop spends
- Complimentary Shoppers Stop membership and voucher as welcome benefits
- Redemption of rewards against Shoppers Stop vouchers at a 1:1 ratio
Cons
- No annual fee waiver
- Low base reward rate on other spends
- Low redemption value against cashback and travel bookings
- Maximum capping on earned reward points
Conclusion
HDFC Shoppers Stop Credit Card is a suitable choice for frequent Shoppers Stop customers looking for an entry-level card with decent value back on Shoppers Stop brands. Being a co-branded card, it offers a reasonable value back of 3% on Shoppers Stop spends, along with other welcome benefits. However, the card has a low base reward rate of 1% on other spends and a low redemption value of up to 1 RP = 0.25 when used for other categories, such as travel bookings, cashback, and more. Overall, it is a decent option for loyal Shoppers Stop customers looking to maximize their savings.
Frequently Asked Questions
Everything you need to know about this credit card
At the time of joining, the card offers a complimentary Shoppers Stop Silver Edge Membership and a Shoppers Stop voucher worth Rs. 500. Besides this, cardholders can earn 3% rewards on spends at Shoppers Stop and redeem the accumulated rewards against Shoppers Stop vouchers at a 1:1 ratio.
No, Shoppers Stop HDFC Bank Credit Card does not offer an annual fee waiver. You are required to pay an annual fee of Rs. 299 every year.
To apply for this credit card online, visit the official website of HDFC Bank, fill out the application form, and submit it online along with the relevant documents. You can also visit any nearest branch of HDFC Bank and contact an executive regarding the offline application process.
Yes, you can earn 1% reward points on every non-Shoppers Stop spend, including groceries. However, you can earn a maximum of 1,000 points per month on grocery spends.
Yes, you can avail 1% fuel surcharge waiver on fuel spends across all fuel stations. However, the maximum waiver you can earn is Rs. 250 per month on fuel transactions between Rs. 400 and Rs. 5,000.
Yes, you can redeem the accumulated reward points against the statement balance at a value of 1 RP = Rs. 0.20.
Footnotes
- No reward points will be offered on rental and government payments.
- Reward points earned on grocery spends will be capped at 1,000 points per month per customer.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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