In collaboration with HDFC Bank and Shoppers Stop has introduced two co-branded credit cards: the HDFC Bank Shoppers Stop Credit Card and the Black Shoppers Stop HDFC Bank Credit Card. These cards are shopping credit cards that offer rewards for purchases at Shoppers Stop, Private Label brands, and other purchases. They also include benefits like card activation, milestone rewards, lounge access, and insurance coverage.
| HDFC Bank Shoppers Stop Credit Card | |
|---|---|
 | |
| Type | Entry Level Credit Card |
| Best Suited For | Reward Points & Shopping |
| Joining Fee | Rs. 299 + GST |
| Annual Fee | Rs. 299 + GST |
| Welcome Benefits | 500 Rs Shoppers Stop Gift Voucher |
| Best Feature | 3% Reward Points on every ST purchase, |
| Card Pandit Rating |  |
Table of Contents
HDFC Bank Shoppers Stop Credit Card Welcome Benefits ;-
- You will receive a complimentary Shopper’s Stop membership.
- You will receive a Shoppers Stop voucher worth Rs. 500.
- You can redeem the voucher after spending Rs. 5,000 on private label brands.
Shoppers Stop HDFC Credit Card Weekend Offer :
Hey there! How about earning an extra Rs. 500 each month? It’s super simple! All you need to do is make a single purchase of Rs. 15,000 or more on Shoppers Stop over the weekend. And don’t worry, you can only earn this reward once a month, with a maximum of 5 times per year.
Just to clarify, we consider Friday, Saturday, and Sunday as the weekend. So if you plan your shopping accordingly, you can easily earn some extra cash!
Milestone Benefits:
When you make purchases worth Rs.2 lakh annually, you will receive a total of 2,000 First Citizen Points as a reward.
Shoppers Stop HDFC Bank Credit Card Reward Points :-
- Get 3% Reward points on all Shoppers Stop purchases (Monthly limit of Rs 500)
- Get 1% Reward points on all Non-Shoppers Stop purchases ( Monthly limit of Rs 1000 )
Note: Starting January 1st, 2023
- You can earn a maximum of 1000 reward points per month on your grocery purchases.
- You will not earn any reward points for payments made in the rental and government categories, Any kind of wallet loading, EMI Transactions,
- 1% fee will be applied to rental transactions starting from the second transaction you make each month.
You can use your reward points on Smartbuy or Netbanking. The reward points are valid for 2 years. 1 reward point for 1 rupee when you want to get Shoppers Stop vouchers; otherwise, below are the options.
| Title | 1 Reward point value |
| Product Catalogue | Upto 0.25 |
| Cash Back | 0.2 |
| Airmiles | 0.25 |
| Unified SmartBuy (Flights/Hotels) | 0.2 |
Fuel Surcharge Waiver
You can get a 1% discount on fuel charges, up to ₹250 per billing cycle, at any fuel station in India. This applies to transactions between ₹400 and ₹5,000. The maximum discount you can receive per billing cycle is ₹250.
Shoppers Stop Credit Card Fees & Charges
Discover the HDFC Bank Shoppers Stop Credit Card fees and charges. Find out about the costs associated with this credit card to make informed financial decisions.
| Criteria | Details |
| Joining Fee | Rs. 299 + GST |
| Annual Fee | Rs. 299 + GST |
| Finance Charges | 2.5% to 3.5% p.m. (30% to 43% p.a.) |
| Add-on card fee | Nil |
| Forex-markup fee | 3.5% + GST |
| Late Payment Fee | 2.5% of total amount due (Min 100 & Max 1300 Rs) |
| Card replacement | Rs. 100 |
| Cash Processing | Rs. 100 |
| Rewards redemption fee | Rs. 99 + GST |
| Cheque payment fee | Rs. 100 |
| Overlimit | 2.5% of overlimit amount or Rs.600 (whichever is higher) |
Eligibility & Documents Requirements
Below listed are some of the Shoppers Stop HDFC Bank Credit Card Eligibility & Documents Requirements
- You must be Indian citizen and above 21 years of age
- You must be able to demonstrate a stable credit history
- You must be salaried or self-employed and withdraw a stable salary
| Title | Details |
| Occupation | Salary | Job | Business |
| Age | Min 21 years & Max 65 Years, |
| ID Proof | Pan Card, Aadhar Card, Driving License. Voter Card, Passport |
| Address Proof | Aadhar Card, Ration Card, Utility Bill, Passport, Voting Card, and Driving License |
| Income Proof | Salary Slip | ITR File | Bank Statement | Form 16 |
HDFC Shoppers Stop Credit Card Pros & Cons:
Explore the pros and cons of the HDFC Bank Shoppers Stop Credit Card. Make an informed decision by understanding the advantages and disadvantages of using this credit card.
Pros
- A welcome voucher worth Rs. 500,
- hdfc bank shopper stop credit card benefits
- Higher reward rate on shoppers stop purchase
- 1% waiver on the fuel surcharge
Cons
- Low reward rate
- No airport lounge access
- No reward point on wallet load, EMI transaction, rent payment
HDFC Shopper Stop Credit Card Conclusion:
It’s true that deciding for a co-brand card only makes sense if you are a frequent shopper of a particular brand. These cards are designed to offer specialized benefits and rewards for loyal customers. If you don’t spend a significant amount with the brand, it may not be worth getting a co-brand card.
Regarding HDFC Bank’s policy of not allowing multi-carding, it means that if you already hold an HDFC Credit card, you would need to give it up in order to get a new co-branded card. This can be inconvenient for customers who want to benefit from both cards simultaneously.
If you already hold another HDFC credit card, it’s worth considering whether the benefits of the basic card outweigh those of the co-branded card. Purchasing vouchers through HDFC SmartBuy might provide better rewards for your specific needs. It’s important to carefully evaluate the rewards programs and features of both options before making a decision.
If you shop frequently at Shoppers Stop, the card may be worth it. Otherwise, it’s not worth it. It has no value.
Are you planning to apply for this HDFC credit card? Share your thoughts in the comments below.
Frequently Asked Questions (FAQs)
Yes, that’s correct! By becoming a Shoppers Stop First Citizen member, you can enjoy various benefits such as saving money on your purchases, receiving exclusive weekend shopping offers, getting a welcome voucher, and even accessing an airport lounge. It’s a great way to enhance your shopping experience and enjoy additional perks.
As a Shoppers Stop First Citizen member, you can earn points on various transactions, including online purchases and in-store brands. For example, you can earn six points for every purchase on Shoppers Stop private label brands, with a monthly limit of 500 points. These points can be redeemed for rewards, including discounts on online purchases through the Shoppers Stop app, enhancing your shopping experience and savings.
Yes, you can apply for the card if you are eligible.