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Shoppers Stop HDFC Bank Credit Card credit card
Mass-MarketEntryRuPay✦ Shoppers Stop

Shoppers Stop HDFC Bank Credit Card

Annual feeSee fee details
Rewards1% Reward Points on non-Shoppers Stop spends
Forex markup1%
Apply NowCheck Eligibility →
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Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Welcome benefits

worth ₹500

₹500 worth of Shoppers Stop voucher

Type
Voucher
Trigger
Any Transaction At Shoppers Stop Store
Partner
Shoppers Stop

Rewards

Base earn rate

1% Reward Points on non-Shoppers Stop spends

Excludes: Grocery, Rental, Government

CategoryDetails
Shoppers Stop3% Reward Points on every Shopper Stop purchase

Redemption options

Shoppers Stop vouchers:₹1 per pointProduct Catalogue:₹0.25 per pointCash Back:₹0.20 per pointAirmiles:₹0.25 per pointUnified SmartBuy (Flights/Hotels):₹0.20 per point
  • • Reward Points are valid for 2 years.
  • • Redemption fee: ₹99

Milestone benefits

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

Fees & charges

Joining fee
₹299/- + Applicable Taxes
Annual / renewal fee
₹299/- + Applicable Taxes
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

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹5,000₹600
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹900
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Insurance covers

Fraud liability

Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

Eligibility

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

Employment types

SalariedSelf-Employed

Required documents

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photographs
  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Features

✓ Contactless✓ UPI linkage

Additional features

  • Complimentary Shoppers Stop Silver Edge membership worth ₹350
  • Card Control via MyCards mobile-based service platform
  • Credit Card Registration and Activation via MyCards
  • Set up Card PIN via MyCards
  • Manage Card Controls like Online Spends, Contactless Transactions
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Your Card
  • Single Interface for Credit Cards, Debit Cards, FASTag and Consumer Durable Loans
  • Spends tracking
  • Up to 50 days of interest-free Credit from the date of purchase

No rewards on

Grocery · Rental · Government

Card management via MyCards.

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