Shoppers Stop HDFC Bank Credit Card
HDFC Bank · RuPay · Entry card
A low-cost route to meaningful value for regular Shoppers Stop customers without overstating the co-brand rate elsewhere.
Shoppers Stop regulars seeking a low-fee RuPay co-brand card.
Terms checked 23 Sept 2026
- Annual fee
- ₹299 + GST
- Joining fee
- ₹299 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% Shoppers Stop purchases only |
| International spending | 1% |
| Other miscellaneous | 1% |
| Groceries & essentials | 0% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Gold & jewellery | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Shoppers Stop rewards
Usage-based valueThree points per ₹100 on eligible Shoppers Stop transactions of at least ₹150.
Conditions: Three points per ₹100 on eligible Shoppers Stop transactions of at least ₹150.
Other eligible rewards
Usage-based valueOne point per ₹100 on other eligible retail transactions; issuer calculation requires each transaction to be at least ₹150.
500 bonus points for one ₹15,000+ Shoppers Stop purchase on Friday-Sunday, once monthly and five times yearly
Shown without a cash value3% in-store value at Shoppers Stop, capped at 500 points per month
Shown without a cash value1% on other eligible retail spend, capped at 1,000 points per month
Shown without a cash valueWeekend ₹500-point bonus on a qualifying ₹15,000 Shoppers Stop purchase, up to five times yearly
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹299₹299 annual fee before applicable tax.
Joining fee
Cost ₹299₹299 one-time joining fee before applicable tax.
Welcome benefits · 2 items
₹500 Shoppers Stop voucher
Recorded value ₹500Fixed-face-value welcome voucher under the current card terms.
Conditions: Pay the applicable joining fee · Voucher fulfilment and validity conditions apply
First Citizen Silver Edge membership
Shown without a cash valueCo-brand membership with issuer-stated ₹350 value; no guaranteed cash-equivalent value is assigned.
Conditions: Activate and use under Shoppers Stop membership terms
Card tiers · 1 item
First Citizen Silver Edge membership with issuer-stated ₹350 value
Shown without a cash value
Memberships · 1 item
First Citizen Silver Edge membership with issuer-stated ₹350 value
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. HDFC Bank does not publish one universal numeric income threshold on the current product page.
Other benefits · 1 item
1% fuel-surcharge waiver capped at ₹250 per statement cycle
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 3% in-store value at Shoppers Stop, capped at 500 points per month
- ✓ 1% on other eligible retail spend, capped at 1,000 points per month
- ✓ ₹500 Shoppers Stop welcome voucher and First Citizen Silver Edge membership
- ✓ Weekend ₹500-point bonus on a qualifying ₹15,000 Shoppers Stop purchase, up to five times yearly
What to watch
No renewal-fee waiver is published. Transactions below ₹150 earn nothing; store and base earnings have separate monthly caps, and ₹1 per point applies only to Shoppers Stop voucher redemption.
Recorded exclusions
Groceries · Fuel Commute · Bills Utilities · Rent · Insurance · Gold Jewellery · Wallet load · Government payments · Tax payments · Emi · Cash withdrawal · Vending machines · Liquor · Bakeries
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026