The verdict
An attractive entry-level fashion credit card for Shoppers Stop loyalists. The ₹500 welcome voucher neutralizes the joining fee, and 3% valueback on departmental fashion makes it rewarding for wardrobe upgrades.
The ₹500 welcome voucher immediately recovers the joining fee. Spending ₹5,000/month on Shoppers Stop private brands earns ₹150/month in reward points (₹1,800/year). Adding the ₹50,000 spend fee waiver and ₹600 fuel surcharge savings delivers over ₹2,900 in net annual fashion value against a ₹500 fee.
Cardholders who prefer shopping across diverse e-commerce platforms like Amazon, Flipkart, or Myntra will find Myntra Kotak or SBI SimplyCLICK far more rewarding.
✓What works
- +3% valueback (6 SS Reward Points per ₹150 spent) on Shoppers Stop private label brands.
- +1% valueback (2 SS Reward Points per ₹150 spent) on non-private label Shoppers Stop purchases.
- +Complimentary Shoppers Stop Silver Edge membership with exclusive seasonal sale previews.
- +₹500 Shoppers Stop discount voucher upon first transaction within 30 days.
- +100% annual renewal fee waiver upon spending ₹50,000 in a card anniversary year.
- +1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
✕What doesn't
- −₹500 + GST joining and renewal fee.
- −Accelerated 3% reward rate is restricted to Shoppers Stop private brands.
- −No complimentary airport or railway lounge access included.
What it earns
1 Shoppers Stop Reward Point = ₹0.75 for redemption against purchases at Shoppers Stop stores and website.
| Category | 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
Earn 3% points on private fashion labels and enjoy Silver Edge member perks.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Shoppers Stop Private BrandsValid on Stop, Life, Fratini, Haute Curry, Kashish, Arcelia, and Bandeya. | 3× · 6 Points / ₹150 | Uncapped | — |
| General Retail Spends2 points per ₹150 across domestic retail and online shopping. | 1× · 2 Points / ₹150 | Uncapped | — |
Redemption options
Redeem points directly at Shoppers Stop billing counters or website checkout at 1 Point = ₹0.75.
| 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 stores, HomeStop, and online website/app.
- +Apparel, cosmetics, accessories, and footwear.
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Fuel purchases (eligible for 1% surcharge waiver only).
- −ATM cash withdrawals and digital wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (Includes ₹500 Welcome Voucher) |
| Annual Renewal Fee | ₹500 + GST (Waived on ₹50,000 annual spend) |
| Finance Charges (Interest Rate) | 3.75% per month (45.0% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 60 years (Salaried) / 21 to 65 years (Self-Employed) |
| Minimum Monthly Net Income | ₹20,000+ per month (Salaried) or ₹3L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended for smooth approval |
Frequently Asked Questions
Does Shoppers Stop HDFC Bank Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Shoppers Stop HDFC Bank Credit Card?
What is the reward rate and point redemption value on Shoppers Stop HDFC Bank Credit Card?
Which transactions are excluded from earning rewards on Shoppers Stop HDFC Bank Credit Card?
Who is Shoppers Stop HDFC Bank Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Shoppers Stop HDFC Bank Credit Card
The Shoppers Stop HDFC Bank Credit Card is the entry-tier department store fashion co-branded card created in partnership with Shoppers Stop, engineered for value-conscious apparel shoppers and families seeking everyday discounts on clothing, cosmetics, and footwear. Issued at an affordable annual fee of ₹500 + GST, the renewal fee is completely reversed upon spending exceeding ₹50,000 in qualifying retail purchases during the previous anniversary year.
The card provides focused retail value: cardholders earn 3% reward points on Shoppers Stop private label brands (Life, Stop, Fratini, Kashish, Haute Curry), 1% reward points on all other Shoppers Stop purchases and general retail spending, a ₹500 Shoppers Stop welcome voucher, and a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
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3% Reward Points on Private Brands: Earn 3% reward points on Shoppers Stop in-house apparel and accessories brands (Life, Stop, Fratini, Kashish, Haute Curry).
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1% Reward Points on Other Spends: Earn 1.0% reward points on non-private label brands at Shoppers Stop and on all general retail transactions.
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₹500 Shoppers Stop Welcome Voucher: Receive a complimentary ₹500 shopping voucher upon card activation to offset the first-year fee.
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Ultra-Low ₹50,000 Spend Waiver: Annual spend exceeding ₹50,000 completely reverses the ₹500 annual renewal fee.
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1% Fuel Surcharge Waiver: Save on fuel transactions between ₹400 and ₹4,000 across all petrol pumps in India (up to ₹250 per billing cycle).
Important Terms and Spend Conditions to Keep in Mind
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Private Brand Tiering: The 3% accelerated rate applies strictly to Shoppers Stop private label brands; external partner brands earn 1%.
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No Complimentary Airport Lounges: Does not include complimentary airport lounge access across domestic or international terminals.
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Shoppers Stop Store Redemption: Points can be redeemed exclusively against purchases at Shoppers Stop stores and website.
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Excluded Categories: Fuel purchases, rent payments via aggregator platforms, wallet reloads, and government taxes earn zero points.
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Standard 3.5% Forex Fee: Foreign currency transactions attract the standard 3.5% + GST markup fee.
Who Benefits Most
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Budget Apparel & Lifestyle Buyers: Shoppers buying seasonal clothing and footwear from Shoppers Stop in-house brands.
-
First Citizen Program Members: Customers who want an entry-level co-branded shopping card with a 100% fee offset voucher.
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Low-Spend Family Shoppers: Spenders spending ₹4,500 monthly who comfortably hit the ₹50,000 annual fee waiver.
- 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 & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).