HDFC Bank
Shoppers Stop HDFC Bank Credit Card
Data last verified: 11 October 2026
- Joining fee₹299 + GST
- Annual fee₹299 + GST
- Reward rate1% on most spends; 3% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹299 + GST
- Annual fee₹299 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
This card earns reward points worth 3% on Shoppers Stop purchases, up to 500 points a month, and 1% on other spends, up to 1,000 points a month. A point is worth about Rs 1. You also get Shoppers Stop Silver Edge membership and a Rs 500 welcome voucher.
The fee is ₹299 a year and there is no spend-based waiver. The good news is that the Rs 500 welcome voucher is worth more than the first-year fee, and 1% back on around Rs 2,500 a month covers it after that.
It suits people who shop at Shoppers Stop a few times a year and want a low-cost card with UPI. The catch is the monthly caps. Big Shoppers Stop purchases quickly cross the 500 point limit and stop earning the higher rate.
Best for: Occasional Shoppers Stop shoppers, First-time card users, People who want a low fee card on UPI.
01Shoppers Stop HDFC Bank Credit Card Rewards and Benefits
02Shoppers Stop HDFC Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹299 + GST
- Annual fee
- ₹299 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹353
- In your pocket each year₹2,047
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04Product Details
- Joining and annual fee: ₹299, no spend-based waiver
- 3% back as points at Shoppers Stop, up to 500 points a month
- 1% back on other spends, up to 1,000 points a month
- ₹500 Shoppers Stop welcome voucher
- Complimentary Shoppers Stop Silver Edge membership
- UPI enabled RuPay card
05Pros and Cons
Pros
- Welcome voucher is worth more than the fee
- 1% back on general spends
- Low ₹299 fee
- Works on UPI
Cons
- No spend-based fee waiver
- Monthly point caps on both earn rates
- No lounge access
06How Shoppers Stop HDFC Bank Credit Card earns Rewards
1% on most spends; 3% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 3% | ₹500 | Only 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 delivery | 1% | No cap | The card's normal rate |
| Groceries | Earns nothing | - | earns nothing on this card |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% Reward Points on non-Shoppers Stop spends (min ₹150/txn), capped 1,000 RP a month; 1 RP = ₹1 only against Shoppers Stop vouchers, ₹0.20 to 0.25 elsewhere
07Shoppers Stop HDFC Bank Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver (₹400 to ₹5,000 per txn), capped ₹250/statement cycle; fuel spends earn no Reward Points
- Milestone bonuses: Weekend offer, ₹500 in Reward Points for a single Shoppers Stop purchase of ₹15,000+ on Fri-Sun; max once a month and 5 times a year (up to ₹2,500 a year)
08Shoppers Stop HDFC Bank Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹20,000
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
| 1 Aug 2024 | Reduced: Bank-wide HDFC fee revision: ₹50 redemption fee + 1% utility fee | No reward-redemption fee; no utility surcharge | ₹50 per statement-credit redemption; 1% on utility spends over ₹50,000 |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to Shoppers Stop HDFC Bank Credit Card
Shoppers Stop HDFC Bank Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Shoppers Stop HDFC Bank Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹299 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹299 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 3% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Shoppers Stop HDFC Bank Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹299 fee waived?
No. There is no spend-based waiver, so the fee is charged each year.
Is there a cap on rewards?
Yes, 500 points a month on Shoppers Stop spends and 1,000 points a month on other spends.
Can I use it on UPI?
Yes, it is a RuPay card that can be linked to UPI apps.
Who can apply?
Applicants aged 21 to 60 with a monthly income of about ₹20,000.
What is the joining fee for the Shoppers Stop HDFC Bank Credit Card?
The joining fee is ₹299 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Shoppers Stop HDFC Bank Credit Card?
The annual fee is ₹299 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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