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HDFC Shoppers Stop Credit Card
HDFC Bank

HDFC Shoppers Stop Credit Card

★ 3.8 / 5 ⓘ How we rate

3% back at Shoppers Stop + free Silver Edge membership

✅ Verified Oct 2026 from HDFC Bank's official terms →

Joining: ₹299Annual: ₹299🎁 1% – 3% reward points
Apply Now — it's free → 🔒 You'll apply on HDFC Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🛍️
3% backon Shoppers Stop spends
🎁
₹500 voucherwelcome gift
⭐
Silver Edgemembership included
👤
Perfect for

Regular Shoppers Stop customers

Key benefits

  • 3% reward points on Shoppers Stop spends (up to ₹500/month)
  • 1% reward points on other spends
  • ₹500 Shoppers Stop welcome voucher
  • Complimentary Shoppers Stop Silver Edge membership
  • 1% fuel surcharge waiver (min ₹400, up to ₹250 per bill)
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Very low fee
  • Good for Shoppers Stop regulars
  • Welcome voucher beats the fee

Good to know

  • Points worth ₹1 only on Shoppers Stop vouchers
  • Weak everyday rewards elsewhere
  • No lounge access

Quick facts

Fee waiverLow ₹299 fee; welcome voucher covers it
Lounge accessNone
Min. income₹20,000/month
Age21 – 60 years
Credit score700+
NetworkVisa
Forex markup3.5%
Joining fee₹299 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • Welcome voucher may need ₹5,000 private-label spend
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ HDFC Shoppers Stop — common questions

Is the HDFC Shoppers Stop Credit Card lifetime free?

No. It has a joining fee of ₹299 and an annual fee of ₹299 (plus 18% GST). Low ₹299 fee; welcome voucher covers it.

What rewards does the HDFC Shoppers Stop Credit Card give?

1% – 3% reward points. 3% reward points on Shoppers Stop spends (up to ₹500/month).

Who is eligible for the HDFC Shoppers Stop Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 700+. Final approval is decided by the bank.

Does the HDFC Shoppers Stop Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the HDFC Shoppers Stop Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the HDFC Shoppers Stop Credit Card?

Regular Shoppers Stop customers.

Explore🛍️ Shopping Cards🔷 HDFC Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

HDFC Bank Shoppers StopApply in ~5 min
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