The Shoppers Stop HDFC Bank Credit Card is an entry-level co-branded credit card that bridges HDFC Bank's credit card services with Shoppers Stop's First Citizen loyalty program. Key highlights include:

• Card Network: Available in Visa and RuPay variants
• Annual Fee: Rs.299 + applicable taxes
• Reward Currency: First Citizen Points (FC Points) and HDFC Reward Points
• Best For: Regular Shoppers Stop customers looking to maximize shopping rewards
• Card Type: Entry-level co-branded shopping card

• 3% Reward Points on every Shoppers Stop purchase (6 FC Points per Rs.150 on private label brands, capped at 500 FC Points per month)
• 1% Reward Points on non-Shoppers Stop spends (2 FC Points per Rs.150, grocery capped at 1,000 points per month)
• Weekend Bonus: Reward Points worth Rs.500 for a single purchase of Rs.15,000 or above on weekends at Shoppers Stop (max once per month, five times per year)

Welcome Benefits

• Shoppers Stop voucher worth Rs.500 redeemable on any bill value
• Complimentary Shoppers Stop Silver Edge Membership worth Rs.350

Milestone Benefits

• Earn 2,000 First Citizen Points on spending Rs.2 lakhs annually

Fuel Benefits

• 1% fuel surcharge waiver up to Rs.250 per statement cycle at all fuel stations across India

Banking Benefits

• Up to 50 days of interest-free credit
• SmartEMI conversion for large purchases (9 to 36 months)
• Contactless payments for faster checkout
• Zero lost card liability on fraudulent transactions
• RuPay variant can be linked to UPI for scan-and-pay

• Shoppers Stop Voucher: Rs.500 voucher redeemable on any bill value at Shoppers Stop stores via your credit card
• Silver Edge Membership: Complimentary Shoppers Stop Silver Edge Membership worth Rs.350

Total welcome benefit value: Rs.850

Milestone Benefits

• Annual Spend Milestone: Earn 2,000 First Citizen Points on spending Rs.2 lakhs annually on the card
• Weekend Shopping Bonus: Reward Points worth Rs.500 for a single purchase of Rs.15,000 or above on weekends at Shoppers Stop. Maximum once per month, capped at five times per year (total up to Rs.2,500 annually)

The Shoppers Stop HDFC Bank Credit Card does not offer any airport lounge access, either domestic or international. If lounge access is important to you, consider upgrading to the Shoppers Stop Black HDFC Bank Credit Card which offers 16 domestic and 8 international lounge visits annually.

The card earns First Citizen (FC) Points on Shoppers Stop purchases and HDFC Reward Points on other spends:

Points are valid for 2 years from the date of earning.

Redeeming Reward Points

Points can be redeemed via HDFC NetBanking. The best value is against Shoppers Stop vouchers:

Reward redemption fee of Rs.99 + GST applies for non-Shoppers Stop voucher redemptions.

Late Payment Charges

• Nationality: Indian
• Age: 21 to 60 years
• Monthly Income: Minimum Rs.20,000
• CIBIL Score: 700 or above recommended

For Self-Employed Individuals

• Nationality: Indian
• Age: 21 to 65 years
• Annual ITR: Above Rs.6,00,000

• Passport
• Aadhaar Card
• Voter ID
• Driving Licence
• PAN Card
• Passport-size photographs

Address Proof (any one)

• Utility bills (electricity, water, gas, or telephone)
• Rental agreement
• Passport
• Aadhaar Card
• Voter ID

Income Proof

• Salary slips (for salaried individuals)
• Income Tax Returns (ITR)
• Form 16
• Bank statements

1. Visit the HDFC Bank credit cards page or click the apply link on the product page
2. Provide and validate your phone number and Date of Birth/PAN
3. Confirm your personal details
4. Select the Shoppers Stop HDFC Bank Credit Card
5. Submit your application and receive your card

In certain cases, uploading documents and completing video KYC might be required.

Via NetBanking

Existing HDFC Bank customers can log in to NetBanking and apply from the Cards section.

At HDFC Bank Branch

Visit your nearest HDFC Bank branch with the required documents and our staff will assist with the application.

The Shoppers Stop HDFC Bank Credit Card is a purpose-built co-branded card that rewards loyal Shoppers Stop customers with First Citizen Points and exclusive membership benefits. At just Rs.299 per year, the welcome benefits alone (Rs.850) more than cover the cost in the first year.

However, its appeal is limited beyond the Shoppers Stop ecosystem. The 0.8% reward rate on general spending, absence of lounge access, no insurance coverage, and high 3.5% forex markup make it unsuitable as a primary credit card. It works best as a secondary card specifically for Shoppers Stop purchases, or as a first credit card for individuals building their credit history with HDFC Bank.