Shoppers Stop HDFC Bank Credit Card

• • Reward Points are valid for 2 years.
• • Redemption fee: ₹99

Reward Points worth ₹500 per month for a purchase of ₹15,000 or above on weekends at Shoppers Stop.

Joining fee

₹299/- + Applicable Taxes

Annual / renewal fee

₹0

Annual fee waiver

On ₹1.0L spend

Interest rate

The Shoppers Stop HDFC Bank Credit Card offers revolving credit at a nominal interest rate.

Interest-free period

50 days

Cash advance fee

Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

1%

DCC markup

1%

Rent payment fee

1% (w.e.f. Jul 2025)

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, max ₹250/cycle

Income (salaried)

Income (Monthly) - ₹20,000 for salaried; Annual ITR > ₹6,00,000 for self-employed

Income (self-employed)

₹6L/year

Age

21–60 years

Card management via MyCards.

• What is the annual fee for Shoppers Stop HDFC Bank Credit Card?
• How to apply for Shoppers Stop HDFC Bank Credit Card?
• What rewards does Shoppers Stop HDFC Bank Credit Card offer?
• What are the eligibility criteria for Shoppers Stop HDFC Bank Credit Card?
• Does Shoppers Stop HDFC Bank Credit Card offer airport lounge access?
• Is Shoppers Stop HDFC Bank Credit Card worth it?