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HDFC Shoppers Stop Credit Card

HDFC Shoppers Stop Credit Card: Review

Are you a fashion enthusiast who loves to shop at Shoppers Stop? If so, the Shoppers Stop HDFC Bank Credit Card is tailor-made for you. This co-branded credit card offers a delightful blend of style, convenience, and rewards. Let's dive into the details of this exciting card that brings together the best of fashion and finance.

In today's consumer landscape, credit cards have become indispensable tools, offering a myriad of benefits and rewards tailored to various lifestyles and preferences. Among these offerings, the HDFC Shoppers Stop Credit Card stands out as a premier choice for fashion enthusiasts and frequent shoppers alike. Boasting an array of exclusive perks, rewards, and discounts, this credit card collaboration between HDFC Bank and Shoppers Stop promises to elevate your shopping escapades to new heights. Whether you're a fashion aficionado, a trendsetter, or simply someone who loves to indulge in retail therapy, join us as we delve into the features, benefits, and everything else you need to know about the HDFC Shoppers Stop Credit Card.

  • Life Time Free

  • Interest Rate: 3.6% per month i.e. 43.2% annually

  • Welcome Benefit: INR 500 worth of Shoppers Stop voucher, redeemable on minimum shopping of INR 3,000 at Shoppers Stop stores.

  • Special Feature: Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month. Value of 1 point = INR 0.60. Special cashback rate: 2.4%. 


Features and Benefits

  • Welcome Benefits: Upon successful approval and issuance of the HDFC Shoppers Stop Credit Card, cardholders often enjoy attractive welcome benefits like complimentary Shopper Stop Membership, INR 500 Stop Voucher, and when you spend Rs.5,000 on Private Label brands, you can redeem the voucher.

  • Reward Points Accumulation: One of the key highlights of the HDFC Shoppers Stop Credit Card is its robust rewards program. Cardholders earn reward points for every purchase made using the card, both at Shoppers Stop outlets and other merchants. These points can be accumulated and redeemed for a variety of rewards, including merchandise, vouchers, and discounts on future purchases. When you spend on Shoppers Stop private label brands, you earn 6 First Citizen Points, and every month, you can earn 500 First Citizen Points. On other purchases at Shoppers Stop, brands get you 2 First Citizen Points.

  • Exclusive Discounts: The partnership between HDFC Bank and Shoppers Stop unlocks access to exclusive discounts and offers for cardholders. These discounts may extend to a wide range of products, including apparel, accessories, cosmetics, home decor, and more, allowing cardholders to indulge in their favorite brands and products at discounted rates.

  • Fuel Surcharge Waiver: HDFC Shoppers Stop Credit Card often comes with a fuel surcharge waiver at select fuel stations, providing additional savings for cardholders when they refuel their vehicles. Similarly, When you use the Shoppers Stop HDFC Bank Credit Card to buy fuel at any fuel station in India, you receive a 1% discount on the fuel surcharge.

  • Special Financing Offers: From time to time, the HDFC Shoppers Stop Credit Card may feature special financing offers such as no-cost EMI options or low-interest installment plans on purchases made at Shoppers Stop or partner outlets. These financing options make high-ticket purchases more affordable and manageable for cardholders.

Pros and Cons


  • Reward System: Tailored for Shoppers Stop lovers, the generous points system and exclusive benefits add value to your shopping experience.

  • Milestone Rewards: Regular shoppers have the potential to maximize their rewards with achievable spending goals.

  • Fuel Surcharge Waiver: A small perk that adds up for frequent refuelers.

  • Smart EMI: Flexibility for larger purchases without straining your budget.


  • Limited Scope: The card's true value lies in Shoppers Stop and partner brands. If you have diverse shopping habits, consider a more versatile card.

  • Points Redemption: Redemption options are primarily focused on Shoppers Stop and its ecosystem.

Eligibility for the HDFC Shoppers Stop Credit Card

Dreaming of maximizing your shopping experience at Shoppers Stop? The HDFC Shoppers Stop Credit Card could be your key to unlocking exclusive rewards and benefits. But before you apply, understanding the eligibility criteria is crucial to ensure a smooth application process.

Here's what you need to know:

Basic Requirements:

  • Indian Resident: You must be a citizen of India with a valid permanent address.

  • Age: You need to be at least 18 years old.

  • Employment: You must be either salaried or self-employed with a stable source of income.

Financial Requirements:

  • Credit Score: A good credit score (generally above 700) is essential, as it reflects your creditworthiness and repayment history.

  • Income Requirement: HDFC considers your income and existing obligations to determine your eligibility. This varies based on the card variant and your location. For example, the minimum income requirement for the base variant might be ₹25,000 per month, while higher-tier cards may require a higher income.

Additional Factors:

  • Employment Stability: A stable job history with consistent income strengthens your application.

  • Existing Credit Relationships: Having a good relationship with HDFC, such as holding a savings account or other credit cards, can be beneficial.

  • CIBIL Report: A clean CIBIL report free of defaults or missed payments improves your chances of approval.




In conclusion, the HDFC Shoppers Stop Credit Card emerges as a game-changer for avid shoppers, offering a plethora of features and benefits designed to elevate every retail experience. From enticing welcome offers and generous reward points accumulation to exclusive discounts and special financing options, this credit card partnership between HDFC Bank and Shoppers Stop delivers unparalleled value to cardholders. Whether you're indulging in a shopping spree at your favorite brands, refueling your vehicle, or traveling in style with complimentary airport lounge access, this card caters to diverse lifestyle needs with convenience and savings in mind. With its seamless blend of rewards, discounts, and privileges, the HDFC Shoppers Stop Credit Card stands as a testament to the power of collaboration in enhancing the shopping journey. Embrace the possibilities, unlock the perks, and make every purchase a rewarding experience with this coveted credit card in your wallet.

HDFC Credit Cards

HDFC Bank, one of India's leading financial institutions, boasts a diverse portfolio of credit cards tailored to suit a wide array of consumer needs and preferences. Renowned for their innovation, reliability, and customer-centric approach, HDFC credit cards have become synonymous with convenience, rewards, and exclusive benefits. With a range of options spanning from lifestyle, travel, dining, shopping, to entertainment, HDFC ensures that there's a card suited for every lifestyle. The bank's credit cards offer an extensive array of features, including generous reward points, cashback offers, discounts on dining, shopping, and travel bookings, complimentary airport lounge access, and exclusive lifestyle privileges. Whether you're a frequent traveler seeking to earn air miles, a shopaholic looking for discounts and rewards on your purchases, or a food enthusiast wanting to indulge in culinary delights, HDFC credit cards have you covered? Moreover, HDFC Bank continually introduces new offerings and enhancements to its credit card lineup, ensuring that cardholders stay at the forefront of convenience and value. The bank also provides robust security measures, including chip-enabled cards, secure online transactions, and real-time fraud monitoring, to safeguard cardholders against unauthorized usage. With HDFC credit cards, customers not only gain access to convenient payment options but also unlock a world of rewards and privileges, making every transaction a rewarding experience. Whether it's earning points on everyday expenses, enjoying exclusive discounts, or accessing premium services, HDFC credit cards empower individuals to live life to the fullest while managing their finances with ease and confidence.


Q: How many First Citizen Points do I earn with this card? 

You earn 1 point for every ₹150 spent on retail transactions and double that (2 points per ₹150) at Shoppers Stop.

Q: What can I redeem my First Citizen Points for? 

You can redeem them for Shoppers Stop vouchers, merchandise discounts, travel experiences, and more.

Q: Is there a welcome bonus? 

Yes, you receive a 500 Shoppers Stop voucher upon card activation after meeting minimum spending requirements.

Q: Are there any milestone rewards? 

Yes, spend ₹2 lakh in a year and earn an additional 2,000 First Citizen Points.

Q: Is there any fees and charges associated with this card? 

The card is Lifetime Free Credit Card.

Q: What is the interest rate? 

The interest rate is 39.99% per annum.

Q: Are there any other fees I should be aware of? 

Yes, there are potential late payment fees of up to ₹1,000 and cash advance fees of 2.5% of the withdrawal amount or ₹500, whichever is higher.

Q: What are the eligibility criteria for applying? 

You need to be an Indian resident with a good credit score and meet HDFC's income requirements.

Q: How can I apply for this card? 

You can apply online through the HDFC website or app, visit an HDFC branch, or call their customer service.

Q: Does this card offer any fuel surcharge waiver? 

Yes, you get up to ₹250 cashback per statement cycle on fuel transactions at select stations (with minimum spending criteria).



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