Shoppers Stop HDFC Bank Credit Card: Check Feature & Benefits

Updated: 04-03-2024 11:55:08 AM

Key Highlights of Shoppers Stop HDFC Bank Credit Card

The key highlights of the Shoppers Stop HDFC credit card are given below:

Annual Fee	Rs 299 + GST
Renewal Fee	Rs 299 + GST
Key Benefits	Earn Rs 500 per month on minimum purchase of Rs 15,000 on SS brands over the weekend. This benefit is available once in a month and cam be availed for a maximum of 5 times in a calendar year, 1% fuel surcharge waiver, etc.
Reward Points	Earn 3% reward points on every SS Spends, Other spends qualify for 1% reward points, Maximum cashback is limited to Rs 500 for SS brands and Rs 1,000 per month for other spends.
Welcome Benefits	Rs 500 Shoppers Stop voucher is provided that can be redeemed with bills of any value
Foreign Currency Transaction Fee	2% of the transaction value
Age	21 - 65 years

Features & Benefits of Shoppers Stop HDFC Bank Credit Card

HDFC Bank Shoppers Stop credit card offers the following features and benefits:

Feature	Shoppers Stop HDFC Bank Credit Card (Existing Customers)	Shoppers Stop HDFC Bank Credit Card (Cards issued after 1 March 2024)
Joining Fee/Renewal Fee	Lifetime Free	Rs 299 + GST
Reward Type	First citizen points	Rewards points
Reward Benefit	1. For every Rs 150 spent on private label brands at Shoppers Stop, a card member can earn 6 FC points per month. 2. Other SS brands and other retail spends (except fuel & wallet top-ups) qualify for 2 FC points per Rs 150 spent. 3. There is an upper limit of 500 FC points in a month.	1. Earn 3% reward points on every SS Spends. 2. Other spends qualify for 1% reward points. 3. Maximum cashback is limited to Rs 500 for SS brands and Rs 1,000 per month for other spends.
Welcome Benefit	A Rs 500 Shoppers Stop voucher is provided which can be redeemed on a minimum bill of Rs 3,000	A Rs 500 Shoppers Stop voucher is provided that can be redeemed with bills of any value.
Milestone Benefit	2,000 FC points are awarded on spending Rs 2 lakh in a calendar year	Earn Rs 500 per month on minimum purchase of Rs 15,000 on SS brands over the weekend. This benefit is available once in a month and cam be availed for a maximum of 5 times in a calendar year.
Points Redemption	Card members can redeem FC points at Shoppers Stop stores or its online platform.	The value of 1 reward point is Re 1 if redeemed against the Shoppers Stop voucher. The redemption value of reward points for non-Shoppers Stop vouchers will be as per HDFC Bank's reward redemption catalogue.
Fuel Surcharge Waiver	Under HDFC Shoppers Stop credit card benefits, you get a 1% fuel surcharge waiver across all fuel stations in India. The minimum transaction amount should be Rs. 400 and the maximum Rs. 5,000. The maximum waiver available is up to Rs. 250 per statement cycle.
Smart EMI	With the Smart EMI feature, convert your HDFC Bank credit card spending to SmartEMI at low and attractive interest rates. A processing fee of up to Rs. 999 + GST will be levied. In case of preclosure, 3% of the balance principal outstanding will be levied as preclosure charges.
Other Benefits	Link your credit card with UPI and avail of Scan and Pay for all your transactions. The Shoppers Stop HDFC Bank card is enabled for contactless payments, enabling fast, convenient and secure payments at retail outlets.

Shoppers Stop HDFC Bank Credit Card Fee & Charges

The Shoppers Stop HDFC Bank credit card fees and charges are mentioned below in detail:

Joining fee: Rs 299 + GST
Renewal fee: Rs 299 + GST
Add-on card fee: Nil
Foreign currency markup: 1% of the transaction value
Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.)
Cash advance fee: 2.5% or Rs. 500, whichever is higher.
Railway ticket purchase fee: 1% of the transaction amount + GST. Reversed after the transaction.
Payment return charges: 2% of the payment amount (minimum Rs. 450).
Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
Late fee for non-payment/ partial payment of Insta Jumbo loans: Rs. 500 + GST
Rewards redemption fee: Rs. 99 per redemption request
Cash processing fee: Rs. 100 for all card payments in HDFC Bank branches/ ATMs.
Balance transfer processing fee: 1% of the transfer amount or Rs. 250, whichever is higher.
Duplicate physical statement charges: Rs. 10 per duplicate physical statement
Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST
Smart EMI processing fee: Rs. 999 + GST
Insta Loan, Jumbo Loan & Smart EMI pre-closure charges: 3% of the principal outstanding
Rent pay transaction fee: 1% fee of transaction amount.
Card validation charges: Rs. 2
Lost, stolen or damaged card re-issuance charges: Rs. 100
Outstation cheque processing fee: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
Dynamic currency conversion markup fee: 1%

Shoppers Stop HDFC Bank Credit Card Eligibility

Below are the HDFC Bank Shoppers Stop credit card eligibility criteria:

For Salaried

Nationality: Must be Indian national.
Age: Minimum 21 years and maximum 60 years.
Net Monthly Income: More than Rs. 20,000.

For Self-employed

Nationality: Must be Indian national.
Age: Minimum 21 years and maximum 65 years.
Income: Income Tax Returns (ITR) of more than Rs. 6 Lakhs per annum.

How to Apply for a Shoppers Stop HDFC Bank Credit Card?

If you want the Shopper Stop HDFC Bank credit card apply online either through the official website of the HDFC Bank or through our portal by following the steps given below:

Check your eligibility for the Shopper Stop HDFC Bank credit card.
Go to the Credit Cards section and choose your preferred card.
Enter all the required details.
Upload your documents as required for completing the application.

Some Other HDFC Bank Credit Card

Apart from Shoppers Stop HDFC Credit Card, HDFC Bank offers the following credit cards:

IndianOil Credit Card
Freedom Credit Card
Millennia Credit Card
HDFC INFINIA Credit Card
HDFC Diners Black Credit Card
Paytm HDFC Bank Credit Card
Paytm HDFC Bank Select Credit Card
Paytm HDFC Bank Mobile Credit Card
HDFC Regalia Credit Card
Diners Club Privilege Credit Card
MoneyBack+ Credit Card
HDFC MoneyBack Credit Card
Regalia First Credit Card
Swiggy HDFC Credit Card
Flipkart Wholesale HDFC Credit Card
Corporate Platinum Credit Card
Tata Neu Plus HDFC Bank Credit Card
Diners ClubMiles Credit Card
Platinum Times Card
Titanium Times Card6E Rewards - IndiGo HDFC Bank Credit Card
6E Rewards XL- India
Go HDFC Bank Credit Card
InterMiles HDFC Bank Diners Club Credit card
InterMiles HDFC Bank Signature Credit card
InterMiles HDFC Bank Platinum Credit card
Paytm HDFC Bank Business Credit Card
Paytm HDFC Bank SELECT Business Credit Card
Business Regalia
Business MoneyBack Credit Card
Best Price Save Max HDFC Bank Credit Card
Best Price Save Smart HDFC Bank Credit Card
CSC Small Business MoneyBack
All Miles Credit Card
Bharat Credit Card
Business Bharat Credit Card
Business Freedom Credit Card
Business Gold Credit Card
Business Platinum Credit Card
Business Regalia First Credit Card
Diners Club Premium Credit Card
Diners Club Rewardz Credit Card
Doctor's Regalia Credit Card
Doctor's Superia Credit Card
JetPrivilege HDFC Bank Select / Titanium
Platinum Edge Credit Card
Platinum Plus Credit Card
Solitaire Credit Card
Superia Credit Card
Teachers Platinum Credit Card
Titanium Edge Credit Card
Visa Signature Credit Card
World MasterCard Credit Card

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Shoppers Stop HDFC Bank Credit Card FAQs

Do we get reward points on HDFC Bank Shoppers Stop credit card?

Yes, the HDFC Bank Shoppers Stop Credit Card gives you:

6 First Citizen (FC) points for spending every Rs. 150 on Shoppers Stop private label brands.
Maximum limit capped at 500 FC points per month.
2 FC points for spending every Rs. 150 on all other Shoppers Stop brands & other categories (except fuel & wallet).
1 FC point = 60 paise.

How to redeem reward points in HDFC Bank Shoppers Stop credit card?

Accumulated First Citizen Points will reflect in your Shoppers Stop membership account and can only be redeemed at Shoppers Stop outlets or digital stores.

Is Shoppers Stop HDFC credit card lifetime free?

No, the Shoppers Stop HDFC Bank card is not a lifetime free as it involves joining & renewal charges, although if you already have this card then it is still lifetime free credit card for you.

What are the Shoppers Stop First Citizen Points?

Shoppers Stop First Citizen Points are a unique rewards metric system created for Shoppers Stop HDFC Bank credit cardholders only. You earn FC points on retail spending made through your card on fashion, beauty, and home décor as mentioned in the product features and benefits.

What is the use of Shoppers Stop credit card?

The Shoppers Stop HDFC Bank card can be used for online as well as offline purchases at Shoppers Stop outlets or digital stores. You earn Shoppers Stop First Citizen Points on all your spending.

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