CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Shoppers Stop Credit Card

28
Ranked #109 of 170 in credit
creditVisa

HDFC-Shoppers Stop co-branded entry-level card for loyal Shoppers Stop shoppers, offering accelerated First Citizen Points redeemable only within the Shoppers Stop ecosystem, at a low fee.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value14/100 · weight 71%
≈ 0.69% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.3% score bonus — earns broadly without narrow category restrictions.
Fee efficiency97/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks0/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹299 + 18% GST
= ₹353 total
Annual fee
₹299 + 18% GST
= ₹353 / year total
Waiver: No standard spend-based waiver identified for this base variant
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
apparelpoints2.50%(5 pts @ ₹0.50)—Accelerated points at Shoppers Stop stores
online_spendspoints1.50%(3 pts @ ₹0.50)——
travelpoints0.50%(1 pts @ ₹0.50)——
fuelpoints0.50%(1 pts @ ₹0.50)——
groceriespoints0.50%(1 pts @ ₹0.50)——
diningpoints0.50%(1 pts @ ₹0.50)——
all_spendspoints0.25%(0.5 pts @ ₹0.50)—Base rate other categories

Welcome offer

Rs 500 Shoppers Stop voucher, redeemable on min Rs 5,000 spend on private label brands

Milestone benefits

Pros

  • Low fee (Rs 299)
  • free Shoppers Stop Silver Edge membership
  • 6 FC points/Rs 150 (~3%) on Shoppers Stop private label brands, capped 500 pts/month
  • 2 FC points/Rs 150 on other Shoppers Stop brands

Cons

  • Redemption locked entirely to Shoppers Stop (no cash/other voucher flexibility)
  • no lounge access (Black variant only)
  • low reward rate outside Shoppers Stop
  • no reward points on fuel, wallet loads, EMI, jewelry/gold coins

What's inside

More benefits

  • First Citizen loyalty tier upgrade

    Complimentary upgraded First Citizen membership tier at Shoppers Stop

    yearly. Card issuance

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60 (net monthly income > Rs 20,000) or 21-65 self-employed (ITR > Rs 6 lakh/annum)

Small print

Fuel surcharge:1% fuel surcharge waiver at all fuel stations