Shoppers Stop HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card


Joining Fee: Zero
Annual Fee: Zero


Co-Branded, Rewards

Reward Rate

0.8% to 3%



Issued On

Visa, Rupay


Milestone Rewards, Fuel Surcharge Waiver

Table of Contents

The new Shoppers Stop HDFC Bank credit cards can be quite useful if you frequently shop at Shoppers Stop outlets. The lower variant Shoppers Stop HDFC Bank credit card is Lifetime Free and includes complimentary membership with Shoppers Stop. For every Rs 150 spent, we earn up to 6 First Citizen points. Also included in the benefits of the Shoppers Stop HDFC Bank credit card are a fuel surcharge waiver and milestone rewards. Check out this detailed review of the Shoppers Stop HDFC Bank credit card.

Fees and Charges

Joining FeeZero – LTF
Welcome BenefitRs 500 voucher redeemable on minimum shopping of Rs 3000 at Shoppers Stop stores on private label brands
Annual FeeZero – LTF
Renewal BenefitNone
Shoppers Stop HDFC Bank Credit Card Review: Fees and Charges

This is a LTF credit card. So, we cannot expect much in terms of welcome or renewal benefits. Considering that, it is ok to just have a welcome benefit.

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Shoppers Stop Private Label Brands6 FC per Rs 150 ~2.4%500 FC per month
Other Shoppers Stop Brands2 FC per Rs 150 ~0.8%None
Grocery Spends2 FC per Rs 150 ~0.8%1000 FC per month
Other Spends2 FC per Rs 150 ~0.8%None
Rent, Government, Gold, Jewellery,
Fuel and Wallet
No Rewards
Shoppers Stop HDFC Bank Credit Card Review: Rewards

FC is for First Citizen reward points. This is the reward currency for Shoppers Stop outlets.

The private label brands are exclusive brands owned by Shoppers Stop. Some of them are Haute Curry, Arcelia, Stop, Fratini, Life, Kashish, Back to Earth, Devon North, Fern, Ivy, Harissa, Karrot.

Milestone Rewards

  • 2000 First Citizen Points on spending Rs 2 Lakhs ~0.6% extra return
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This is not a great milestone benefit and most won’t use this card for that much spend. But, if you have the Rupay variant then it is quite possible that you will hit this milestone. Thanks to UPI on Rupay cards! 🙂

Rewards Redemption

The accrued reward points reflect in your connected Shoppers Stop membership account with the same mobile number as HDFC Bank credit card. These can be redeemed at 1 FC point = 60 paise on Shoppers Stop platform or outlets.

Other Key Benefits & Charges

  • Foreign Currency Markup: 3.5%+GST ~4.13%
  • Fuel Surcharge Waiver: 1% waiver up to Rs 250 per billing cycle
  • Interest Rate: 3.6% per month or 43.2% per annum
  • Rewards Redemption Fee: None

Final Thoughts

The Shoppers Stop HDFC Bank credit card is your regular entry-level credit card but it does not offer cashback. So, it is useful only if you like to accumulate First Citizen points. But the reward rates are rather low even for that. When most of the cashback credit cards offer a direct 1% cashback, 0.8% return as FC points does not sound interesting at all.

But, there is one use for this card. You can get this in Rupay variant as Lifetime Free to use for UPI spends if you need it.

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Frequently Asked Questions

Shoppers Stop HDFC Bank Credit Card

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