HDFC Shoppers Stop Credit Card
HDFC Bank
Last updated: Oct 27, 2025
₹299
₹299
2%
No lounge access
Contents
HDFC Shoppers Stop is a co-branded shopping credit card focused on rewarding purchases at Shoppers Stop and affiliated lifestyle merchants. It delivers accelerated rewards on Shoppers Stop spends, a welcome voucher, and membership benefits for regular shoppers.
Features of HDFC Shoppers Stop Credit Card which makes it unique
Shoppers Stop membership
Complimentary Silver Edge membership (value as per partner)
Member pricing and extra benefits at Shoppers Stop
Better in-store shopping benefits vs regular cards
Welcome voucher
One-time Shoppers Stop welcome voucher on card issuance
Instant value on first purchase
Useful for new cardholders who shop at Shoppers Stop
Rewards Structure of HDFC Shoppers Stop Credit Card
Shoppers Stop spends
acceleratedValid at Shoppers Stop and affiliated terminals
Higher earn rate on Shoppers Stop purchases
Non-Shoppers Stop spends
baseAll other merchants
Standard earn rate on everyday spends
Milestones of HDFC Shoppers Stop Credit Card
Seasonal shopping offers
Varies : Bonus reward points or additional vouchers
Membership upgrade
Varies : Enhanced Shoppers Stop membership benefits (if eligible)
Fees & Charges of HDFC Shoppers Stop Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹299 |
| Annual Fee | ₹299 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Standard renewal; check HDFC terms for waiver/discounts and membership offers.
Fee Explanation Refer to HDFC Bank fees & charges for precise slab-wise late payment and other fees.
Lounge Access Benefits with HDFC Shoppers Stop Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Base Shoppers Stop card does not include complimentary lounge access; premium variants may.
Insurance Coverage with HDFC Shoppers Stop Credit Card
Standard card protections
Refer to HDFC's T&CDependent on card variant and issuance terms
Additional Features of HDFC Shoppers Stop Credit Card
Contactless Payments
Tap and pay enabled where accepted
Subject to merchant support
Card Controls
Enable/disable online, contactless, and international transactions via MyCards
Use HDFC MyCards portal or app
Welcome Bonus with HDFC Shoppers Stop Credit Card
Welcome Bonus: Shoppers Stop voucher worth ₹500 and Silver Edge membership benefit
Bonus Conditions: Welcome voucher and membership given on successful card issuance as per HDFC terms.
Application Process for HDFC Shoppers Stop Credit Card
Processing Time
Allow up to 5–7 business days for verification and dispatch as per HDFC process.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank credit cards page
Fill personal and income details
Upload KYC documents
Receive verification and final approval
Card dispatched as per bank timelines
Required Documents for HDFC Shoppers Stop Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Shoppers Stop Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at Visa-accepting merchants
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Shoppers Stop Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and identity/address proof as per HDFC KYC requirements.
How Approval Is Decided
- Minimum net monthly income (salaried) as per HDFC eligibility
- Indian resident
- Credit history meeting HDFC thresholds
Pros of HDFC Shoppers Stop Credit Card
- Strong value for frequent Shoppers Stop shoppers
- Affordable annual fee
- Extra membership benefits and welcome voucher
Cons of HDFC Shoppers Stop Credit Card
- Reward capping may limit value for very high spenders
- Limited accelerated rewards outside Shoppers Stop and partner merchants
Frequently Asked Questions about HDFC Shoppers Stop Credit Card
How can reward points be redeemed?
Reward points can be redeemed via HDFC’s rewards portal for vouchers, catalog items, or transfer options where applicable; check the reward catalogue for options.
What is the welcome benefit for the HDFC Shoppers Stop card?
Cardholders receive a Shoppers Stop welcome voucher (₹500) and complimentary Silver Edge membership as per HDFC’s current offer at issuance.
How many reward points do I earn on Shoppers Stop purchases?
You earn an accelerated reward value (typically 3% value back) on Shoppers Stop transactions — monthly capping applies as per HDFC T&Cs.
What is the annual fee for this card?
The current annual/joining fee is ₹299 for the base Shoppers Stop variant; check HDFC’s fees page for the latest schedule.
Is lounge access included with the base Shoppers Stop card?
No. The base Shoppers Stop card generally does not include complimentary lounge access; upgraded/premium variants may offer lounge benefits.
Who is eligible to apply for this card?
Salaried applicants: Indian nationals aged 21–60 with net monthly income above ₹20,000 are typically eligible. Self-employed criteria are listed on HDFC’s eligibility page.
How do I enable online or international transactions?
Use HDFC MyCards portal or the Card Controls section to enable/disable online, contactless, and international transactions.
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