₹299
Annual Fee
3%
SS Rewards
1%
Other Spends
₹500
Welcome Gift
50 Days
Interest Free
2 Years
Points Validity
Benefits & Features

Shoppers Stop HDFC Bank Credit Card Benefits and Features

🛍️
3% Rewards at Shoppers Stop
Earn 3 reward points per ₹100 spent at any Shoppers Stop store or website.
🎁
₹500 Welcome Voucher
Get a Shoppers Stop shopping voucher worth ₹500 on joining and card activation.
🥈
Silver Edge Membership
Free Shoppers Stop Silver Edge membership worth ₹350, giving you exclusive store benefits.
⛽
1% Fuel Surcharge Waiver
Save on fuel at all petrol pumps across India. Max waiver ₹250 per month.

Lifestyle Benefits

  • Every purchase outside Shoppers Stop earns 1% reward points — no minimum spend needed
  • You get a Silver Edge membership free on joining. Normally this costs ₹350 and gives you early access to sales and members-only offers at Shoppers Stop
  • 1% fuel surcharge waiver at all petrol pumps — works on transactions between ₹400 and ₹5,000, up to ₹250 off per month

UPI Benefits

  • Since this is a RuPay card, you can link it to PhonePe or Google Pay and pay at any UPI QR code using your credit limit
  • You earn reward points on these UPI payments too — this is something Visa and Mastercard credit cards do not allow

Banking Benefits

  • You get up to 50 days with no interest if you pay your full bill on time each month
  • Bought something expensive already? You can still convert it to EMI using SmartEMI — no need to decide before buying
  • Tap your card at any contactless machine — no need to swipe or enter PIN for small amounts
  • The HDFC Bank MyCards app lets you set your PIN, block the card, check points and control online spending — all from your phone
  • If your card is misused and you report it to HDFC Bank's 24x7 helpline right away, you pay nothing for those fraudulent transactions
Additional Features

Shoppers Stop HDFC Bank Credit Card Additional Features

Reward Points Validity

Points you earn stay valid for 2 years. That is enough time for most people, but do check your balance before the expiry date — unused points simply lapse.

Zero Lost Card Liability

If your card is lost or stolen and you call HDFC Bank's 24-hour helpline right away, you will not be charged for any fraudulent transactions made after you report it. The key is to call as soon as you notice — the sooner you report, the safer you are.

Smart EMI

Shoppers Stop HDFC Bank Credit Card Smart EMI

  • Made a big purchase and now regretting paying all at once? You can convert it to SmartEMI even after the transaction is done
  • Pick a repayment period between 9 and 36 months — longer tenure means smaller monthly payments
  • The loan amount shows up in your HDFC Bank account in seconds, not days
  • No documents needed since it is pre-approved based on your existing card relationship with HDFC Bank
Revolving Credit

How Revolving Credit Works on This Card

If you cannot pay the full bill one month, this card lets you carry forward the balance and pay it gradually. You only pay interest on what you carry, not on the full credit limit.

  • Use as much or as little of your limit as you need — there is no fixed repayment schedule
  • Interest applies only to the unpaid amount, not the entire limit
  • Useful in a cash crunch — acts like a backup fund you can dip into when needed
Keep in mind: revolving credit comes with interest charges. Paying your full bill every month is always the better move if you can manage it.
Card Management

Manage Your Card with HDFC Bank MyCards

  • Register and activate your new card straight from the app — no branch visit needed
  • Set your PIN from your phone — takes under a minute
  • You can turn off online transactions or contactless payments anytime — handy if you travel or want extra security
  • Check your past transactions or download statements without logging into NetBanking
  • See your reward points balance and redeem them right from the app
  • Lost your card? Block it instantly from the app and request a new one
  • Add a family member as an add-on cardholder and manage their card limits separately
  • One app covers your credit card, debit card, FASTag and any consumer loan from HDFC Bank
  • Spend tracker shows you exactly where your money is going each month
Rewards

Shoppers Stop HDFC Bank Credit Card Reward Points and Redemption

Always redeem against Shoppers Stop vouchers — that is the only way you get full ₹1 per point. Every other option gives you less, sometimes as low as ₹0.20. So if you are sitting on a lot of points, use them at Shoppers Stop first.

Redemption Option Value per 1 Reward Point
Shoppers Stop Vouchers (via NetBanking)₹1.00 ← Best Value
Product Catalogue₹0.25
Cashback (Statement Credit)₹0.20
Airmiles₹0.25
Flights & Hotels (SmartBuy)₹0.20
How to Apply

Ways to Apply for Shoppers Stop HDFC Bank Credit Card

💻
Online via HDFC Website
Go to HDFC Bank's website, fill in your details and submit. Whole thing takes about 5 minutes and you can track your application status online.
🏦
Via NetBanking
If you already bank with HDFC, just log in to NetBanking and go to the Cards section. Your details are pre-filled so it is even faster — usually under 2 minutes.
🏢
At a Branch
Prefer doing it face to face? Walk into any HDFC Bank branch. The staff will help you fill the form and tell you exactly what documents to bring.
Application Steps

Apply for Shoppers Stop HDFC Bank Credit Card

1
Enter your phone number and PAN or date of birth
You get an OTP on your number to verify. This is just to confirm who you are before moving ahead.
2
Check and confirm your details
Your name, address and income details come up automatically. Just go through them and confirm everything looks right.
3
Pick the Shoppers Stop HDFC Bank Credit Card
You will see a list of cards you qualify for. Select this one and move forward.
4
Submit and wait for your card
Hit submit. In some cases HDFC Bank may ask you to upload documents or do a quick video KYC. Once approved, the card reaches you in about 7 to 10 working days.
Eligibility

Shoppers Stop HDFC Bank Credit Card Eligibility

Salaried Person
NationalityIndian
Age21 – 60 years
Monthly Income₹20,000+
Self Employed Person
NationalityIndian
Age21 – 65 years
Annual ITR> ₹6,00,000
Documents Required

Shoppers Stop HDFC Bank Credit Card Documents

🪪 Identity Proof
  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photos
🏠 Address Proof
  • Utility bills
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID
💰 Income Proof
  • Salary slips
  • Income Tax Returns
  • Form 16
  • Bank statements
Our Take

RupayCreditCards.in Review

3.8
Shoppers Stop HDFC Bank Credit Card
★★★★★

At ₹299 a year, the joining fee practically pays for itself — you get a ₹500 Shoppers Stop voucher on activation. So on day one you are already up ₹201. That is a good deal for anyone who shops at Shoppers Stop even occasionally.

The 3% reward rate at Shoppers Stop is decent for a store card. And since you can redeem at 1 point = ₹1 against SS vouchers, the math is clean — no complicated conversions. Outside Shoppers Stop though, the card offers just 1% which is on the lower side. So this is really a card you pick because you already shop at Shoppers Stop, not because it is a strong everyday card.

The RuPay network is a genuine plus here — you can use this card on UPI and earn points on those payments too, which Visa and Mastercard credit cards do not allow.

Good
  • Fee is covered by the welcome voucher itself
  • 3% rewards at Shoppers Stop is strong
  • 1:1 point-to-rupee redemption at SS
  • UPI support with reward points
  • Free Silver Edge membership
Not So Good
  • Only useful if you shop at Shoppers Stop
  • No annual fee waiver option
  • 1% on other spends is below average
  • No lounge access or travel perks
FAQs

Shoppers Stop HDFC Bank Credit Card FAQs