HDFC Bank Co-branded Card
Shoppers Stop HDFC Bank
Credit Card
Rewarding Style, Ready for You
3% Reward Points on every Shoppers Stop purchase
Welcome voucher worth ₹500 on card activation
Free Shoppers Stop Silver Edge Membership (worth ₹350)
Last Updated: April 2026 | Reviewed by: RupayCreditCards Editorial Team
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
Convert Purchases to EMI After Buying
- 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.
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
Setup & Security Controls
- 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.
- Lost your card? Block it instantly from the app and request a new one.
Manage Spends & Rewards
- Check your past transactions or download statements without logging into NetBanking.
- See your reward points balance and redeem them right from the app.
- 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 & Documents
Salaried Person
- NationalityIndian
- Age21 – 60 years
- Monthly Income₹20,000+
Self Employed Person
- NationalityIndian
- Age21 – 65 years
- Annual ITR> ₹6,00,000
Identity & Address Proof
- Passport
- Aadhaar card
- Voter ID
- Driving licence
- PAN card
- Passport size photos
- Utility bills
- Rental agreement
Income Proof
- Salary slips
- Income Tax Returns
- Form 16
- Bank statements
This list is indicative. HDFC Bank may request additional documents depending on your profile.
Our Verdict
RupayCreditCards.in Review
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.
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.
This is really a card you pick because you already shop at Shoppers Stop. Not because it is a strong everyday card. Outside SS, rewards are low and there are no travel or lounge perks at all.
Our take: A solid store card for Shoppers Stop loyalists. The welcome voucher covers Year 1's fee completely. For everyday use beyond the store, however, you will want a stronger all-round card alongside this one.
👍 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
When you join, you get a free Silver Edge membership (worth ₹350) and a ₹500 Shoppers Stop voucher. On every purchase at Shoppers Stop you earn 3% back as points. When you use those points for SS vouchers, each point is worth ₹1 — that is the best deal this card has.
No, there is no fee waiver. You pay ₹299 every year no matter how much you spend. That said, the ₹500 welcome voucher more than covers the first year's fee, so the first year is effectively free.
Easiest is online — just go to HDFC Bank's website, fill your details and submit. If you already have an HDFC account, NetBanking is even faster since your info is pre-filled. You can also walk into any HDFC branch and apply in person if you prefer.
Yes, groceries earn 1% reward points since they are not a Shoppers Stop spend. Just note there is a cap — grocery points stop accruing after 1,000 points in a month.
Yes. You save 1% on fuel at any petrol pump across India. It works on fuel transactions between ₹400 and ₹5,000. The monthly cap on savings is ₹250.
You can, but it is not worth it. Cashback gives you just ₹0.20 per point. If you use the same points for Shoppers Stop vouchers, you get ₹1 per point — five times more value. Always go for SS vouchers first.
Ready to Apply for the Shoppers Stop HDFC Bank Card?
You can apply online in a few minutes on HDFC Bank's website. Approval is usually communicated within a few working days.
Apply on HDFC Bank Website →Approval is subject to HDFC Bank's eligibility criteria. We are not affiliated with HDFC Bank and do not process applications.