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Is the Shoppers Stop HDFC Bank Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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Shoppers Stop HDFC Bank Credit Card
Shoppers Stop HDFC Bank Credit CardView card →
  • Shopping card
  • Needs ₹20,000 a month income
  • ₹353 fee a year (with GST)
  • 1% on most spends; 3% only at partner merchants
  • Pays in reward points
Good for
  • online shopping only at Shoppers Stop stores and shoppersstop.com: 3% back, up to ₹500 a month
Skip it if
  • you spend less than ₹3,000 a month: below that the ₹353 fee costs more than the rewards
  • most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
  • you rarely spend on Shoppers Stop stores and shoppersstop.com: the 3% rate applies only there, everything else earns 1%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 1% Reward Points on non-Shoppers Stop spends (min ₹150/txn), capped 1,000 RP/month; 1 RP = ₹1 only against Shoppers Stop vouchers, ₹0.20 to 0.25 elsewhere

Also earns nothing on: Tax, Liquor stores, Bakeries.

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelRentGroceryWallet loadsGovernmentEMIInsuranceJewelleryCash withdrawalsTaxLiquor storesBakeries

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)1%No capThe card's normal rate-
Online shopping1%No capAnywhere else in the category-
Online shopping, only at listed merchants3%₹500Only at: Shoppers Stop stores and shoppersstop.com (identified by Shoppers Stop terminal/merchant IDs)Terms: 3% Reward Points on Shoppers Stop spends in-store and online (min ₹150/txn), capped 500 RP a month-
Dining and food delivery1%No capThe card's normal rate-
GroceriesEarns nothing-earns nothing on this card-
Travel: flights, hotels, trains1%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and recharges1%No capThe card's normal rate-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college fees1%No capThe card's normal rate-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency1%No capThe card's normal rate-
Everything else1%No capThe card's normal rate-

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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