The verdict
Shoppers Stop loyalists ke liye ek perfect entry-level fashion credit card. ₹500 welcome voucher joining fee ko neutral kar deta hai, aur private brands par 3% returns wardrobe shopping ko rewarding banata hai.
₹500 welcome voucher joining fee ko directly recover karta hai. Private brands par har mahine ₹5,000 spend karne par ₹150/month (saal ke ₹1,800) reward points bante hain. ₹50,000 spend par annual fee waiver aur ₹600 fuel surcharge savings add karke ₹500 fee ke against total annual value ₹2,900+ nikalta hai.
Jo cardholders Amazon, Flipkart ya Myntra jaise multiple platforms par shopping prefer karte hain, unke liye Myntra Kotak ya SBI SimplyCLICK zyada versatile rahenge.
✓What works
- +Shoppers Stop private label brands par 3% valueback (6 SS Points per ₹150 spent).
- +Other Shoppers Stop purchases par 1% valueback (2 SS Points per ₹150 spent).
- +Exclusive sale previews ke sath complimentary Shoppers Stop Silver Edge membership.
- +Pehle 30 din mein transaction karne par ₹500 Shoppers Stop welcome voucher.
- +Saal mein ₹50,000 spend karne par 100% annual renewal fee waiver.
- +Petrol pumps par ₹400 se ₹5,000 ke fuel spends par 1% surcharge waiver.
✕What doesn't
- −₹500 + GST joining aur annual renewal fee.
- −3% accelerated rate strictly Shoppers Stop private brands par applicable hai.
- −Airport lounge access included nahi hai.
What it earns
1 Shoppers Stop Reward Point = ₹0.75 for redemption at Shoppers Stop.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Shoppers Stop Private Label Brands (3%) | 6 Points / ₹150 (3.0% return) | Uncapped | 4,000 Points (~₹3,000 value) |
| Other Shoppers Stop & Retail Spends (1%) | 2 Points / ₹150 (1.0% return) | Uncapped | 1,333 Points (~₹1,000 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
3% on Private Brands + Silver Edge Tier
Private label apparel par 3% points earn karein aur Silver Edge perks enjoy karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Shoppers Stop Private BrandsStop, Life, Fratini, Haute Curry, Kashish aur Arcelia par valid. | 3× · 6 Points / ₹150 | Uncapped | — |
| General Retail SpendsSabhi domestic shopping par 2 points per ₹150. | 1× · 2 Points / ₹150 | Uncapped | — |
Redemption options
Points ko Shoppers Stop stores ya website checkout par ₹0.75 per point par redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Shoppers Stop PurchasesBEST VALUE | ₹0.75 / Reward Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Shoppers Stop retail outlets, HomeStop aur online website/app.
- +Apparel, footwear, cosmetics aur accessories.
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Fuel purchases (sirf 1% surcharge waiver milega).
- −ATM cash withdrawals aur digital wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (₹500 Welcome Voucher Included) |
| Annual Renewal Fee | ₹500 + GST (Saal mein ₹50,000 spend par waived) |
| Finance Charges (Interest Rate) | 3.75% per month (45.0% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | ₹400 se ₹5,000 ke transactions par 1% waiver (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 se 60 saal (Salaried) / 21 se 65 saal (Self-Employed) |
| Minimum Monthly Net Income | ₹20,000+ per month (Salaried) ya ₹3L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended for smooth approval |
Frequently Asked Questions
Kya Shoppers Stop HDFC Bank Credit Card par airport lounge access milta hai?
Shoppers Stop HDFC Bank Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Shoppers Stop HDFC Bank Credit Card par reward rate aur points ki real rupee value kya hai?
Shoppers Stop HDFC Bank Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Shoppers Stop HDFC Bank Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Shoppers Stop HDFC Bank Credit Card
Shoppers Stop HDFC Bank Credit Card Shoppers Stop ke saath partnered ek budget-friendly department store fashion co-branded card hai, jo apparel shoppers aur families ko clothing aur lifestyle products par everyday savings provide karta hai. Sirf ₹500 + GST annual fee par issue hone wale is card ki renewal fee previous anniversary year mein ₹50,000 se zyada retail spend complete karne par 100% waive ho jaati hai.
Card targeted retail value deliver karta hai: Shoppers Stop in-house private label brands (Life, Stop, Fratini, Kashish) par 3% reward points, other brand purchases aur general retail spending par 1% reward points, joining par ₹500 Shoppers Stop welcome voucher, aur 1% fuel surcharge waiver.
Key Privileges aur Everyday Benefits
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3% Points on Private Label Brands: Shoppers Stop ke in-house brands (Life, Stop, Fratini, Kashish) par 3% reward points earn karein.
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1% Points on Other Retail Spends: Baki sabhi brands aur online/offline retail transactions par 1.0% reward points earn karein.
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₹500 Welcome Shopping Voucher: Card activate karte hi ₹500 ka complimentary shopping voucher receive karein.
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Ultra-Low ₹50,000 Spend Waiver: Annual retail spend ₹50,000 cross karte hi renewal fee 100% reverse ho jaati hai.
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1% Fuel Surcharge Waiver: Petrol pumps par ₹400 se ₹4,000 ke fuel transactions par 1% surcharge waiver (up to ₹250 per cycle).
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
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Private Brand Tiering: 3% accelerated rate strictly private label apparel par valid hai; external partner brands par 1% milta hai.
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No Complimentary Lounges: Is card par koi free domestic ya international airport lounge access included nahi hai.
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Shoppers Stop In-Store Redemption: Points strictly Shoppers Stop stores aur website par billing ke waqt redeem hote hain.
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Excluded Categories: Fuel purchases, rent aggregator payments, wallet top-ups aur government utility taxes par zero points accrue hote hain.
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Standard 3.5% Forex Fee: Foreign currency transactions par standard 3.5% + GST markup fee charge hota hai.
Yeh Card Kinke Liye Best Fit Hai
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Budget Apparel Buyers: Shoppers jo Shoppers Stop ke private label brands se routine fashion shopping karte hain.
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Shoppers Stop Retail Customers: Spenders jo ₹500 welcome voucher ke sath low-maintenance shopping card chahte hain.
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Everyday Spenders on a Budget: Users jo monthly ₹4,500 spend karke ₹50k annual spend waiver comfortably achieve karte hain.
- HDFC Bank — Shoppers Stop HDFC Bank Credit Card official schedule of charges and MITC
- Shoppers Stop Partnership — 3% reward points, ₹500 welcome voucher & Silver Edge membership terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.