Credit Cards · Honest Review

HDFC Bank Shoppers Stop Credit Card

HDFC Bank · Visa

₹500Annual fee
1.00%Base rate
₹25KMin income/mo
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Your Verdict

HDFC Bank Shoppers Stop Credit Card
HDFC Bank · Visa
  • ✓3% reward points on all Shoppers Stop spends
  • ✓1% reward points on all other spends
  • ✓Complimentary Shoppers Stop Silver Edge membership
  • ✓₹500 Shoppers Stop voucher on card activation
  • ✓2,000 bonus reward points on ₹2L annual spend
₹500/yrAnnual fee
₹500
Annual fee
1.00%
Base reward rate
None
Lounge access
720+
CIBIL score
Our verdict
The HDFC Shoppers Stop Credit Card is a co-branded card designed for regular Shoppers Stop shoppers, offering 3% reward points on all Shoppers Stop purchases and 1% on other spends. The complimentary Silver Edge membership adds exclusive in-store discounts and early sale access.
Fees & charges

What HDFC Bank Shoppers Stop Credit Card costs you

HDFC Bank Shoppers Stop Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend ₹2L/year.

FeeAmount
Annual fee (year 2+)₹500
Joining fee (one-time)₹500
Fee waiver conditionSpend ₹2L/year
Spend required for waiver₹2,00,000 / year
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

HDFC Bank Shoppers Stop Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)1.00%
🛒 Online Shopping3%
3%
Online Shopping
Welcome bonus

Shoppers Stop Silver Edge membership + ₹500 voucher

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on HDFC Bank Shoppers Stop Credit Card are limited — the card's value proposition is primarily the reward rate structure.

🛫
No lounge access
This card does not include airport lounge access.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for HDFC Bank Shoppers Stop Credit Card

HDFC Bank Shoppers Stop Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried and self-employed applicants.

₹25,000
Min monthly income
720+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹25,000
CIBIL score720+ (good to excellent)
Age range21–60 years
Employment typeSalaried & self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get HDFC Bank Shoppers Stop Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 3% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
Frequently asked questions

HDFC Bank Shoppers Stop Credit Card — Questions answered

What is the annual fee for HDFC Bank Shoppers Stop Credit Card?
The annual fee is ₹500 from year 2 onwards, with a one-time joining fee of ₹500. The fee is waivable: Spend ₹2L/year.
What is the minimum income required for HDFC Bank Shoppers Stop Credit Card?
Salaried applicants need a minimum net monthly income of ₹25,000 and a CIBIL score of at least 720. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on HDFC Bank Shoppers Stop Credit Card for online shopping?
HDFC Bank Shoppers Stop Credit Card earns 3% on online shopping with no monthly cap. On all other spends, the base reward rate is 1.00%.
Does HDFC Bank Shoppers Stop Credit Card provide airport lounge access?
HDFC Bank Shoppers Stop Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on HDFC Bank Shoppers Stop Credit Card?
The annual fee on HDFC Bank Shoppers Stop Credit Card is automatically waived when you meet the spend threshold: Spend ₹2L/year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get HDFC Bank Shoppers Stop Credit Card approved?
Most applications for HDFC Bank Shoppers Stop Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.