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Shoppers Stop HDFC Bank Credit Card

by Kshitiz V Sharma on

The Bottom Line

Shoppers Stop HDFC Bank Credit Card
Only for Shoppers Stoppers

6 First Citizen Points / ₹150 on Shoppers Stop Private label brands, 2 First Citizen Points on all other Shoppers Stop brands and all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.4% 0.5% 0.8% 0.6% 0.8%
Est. Monthly Reward (₹) 20 45 155 305 825
All-India Rewards Rank* 100 154 109 201 156
Within Bank Rank* 16 23 20 29 24
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Shoppers Stop HDFC Bank Credit Card gives 1.44% effective reward on shopping and 0.48% on all other spending.

We estimate this card has a net reward yield of 0.5-0.8% on spending above ₹10,000 with the card in a month, making it a low reward card for HDFC Bank customers.

Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000 per month.

If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.

If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Shoppers Stop HDFC Bank Credit Card
Card Type Reward
Reward Features 6 First Citizen Points / ₹150 on Shoppers Stop Private label brands

2 First Citizen Points / ₹150 on all other Shoppers Stop brands & other spends except fuel and wallet

Milestone Rewards 2000 First Citizen Points on spending ₹2 Lakhs annually
Other Rewards Complimentary Shoppers Stop membership
Rewards Redemption Fee ₹99
Reward Caps – 500 F.C Points p.m. on Shoppers Stop Private label brands

– 1,000 F.C points p.m. on grocery txn.

Preferred Redemption Method Redeemed at Shoppers Stop Outlet or Website
1FC= ₹0.60

Fees & Charges

Card Shoppers Stop HDFC Bank Credit Card
Joining Fee Nil
Annual Fee Nil
Min. Annual Credit Card Spend
for Fee Waiver
N/A
Income Criteria Salaried ₹20,000 p.a.
Self-employed ITR>₹6 Lacs
Supplementary Card Fee Free
Interest Rate 43.20% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500
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