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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).
🏛️HDFC Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Shoppers Stop Credit Card

एचडीएफसी शॉपर्स स्टॉप क्रेडिट कार्ड

Fashion retail co-branded card offering 3% First Citizen points at Shoppers Stop, exclusive store sale privileges, and ₹500 welcome voucher.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)
Reward Rate3% First Citizen reward points on retail purchases at Shoppers Stop stores and shoppersstop.com. 1% First Citizen point on all other retail transactions.
Airport LoungeNo complimentary airport lounge access is included on this fashion retail card.
Forex Markup3.50% + GST on foreign currency transactions.
01

What Is This Card

HDFC Shoppers Stop Credit Card is a fashion retail co-branded card designed for frequent apparel, cosmetics, and lifestyle shoppers. It delivers accelerated First Citizen loyalty points, billing discounts at Shoppers Stop outlets, and an annual spend fee waiver.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

Shoppers Stop shopping voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.

⚡Reward Points Structure

3% First Citizen reward points on retail purchases at Shoppers Stop stores and shoppersstop.com. 1% First Citizen point on all other retail transactions.

Redemption Value: 1 First Citizen Reward Point = ₹0.60 redeemable instantly against bill settlement at Shoppers Stop POS cash counters.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this fashion retail card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Complimentary First Citizen Silver Edge membership at Shoppers Stop. Shoppers Stop discount vouchers worth ₹2,000 on reaching ₹2 Lakhs annual spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

Rewards are redeemable primarily inside Shoppers Stop and cannot be converted to bank statement credit. No airport lounge access. Standard non-store retail reward rate is modest at 1%.

Forex Markup Fee3.50% + GST on foreign currency transactions.
Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.
Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.
Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).
Reward Points ExpiryFirst Citizen reward points validity governed by Shoppers Stop loyalty program rules (typically 12 months).
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.
04

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹20,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years
Minimum Income₹20,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
CIBIL Score NoteA credit score of 720+ is standard.
SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Apply online at hdfcbank.com or at customer helpdesk in Shoppers Stop stores.
2Enter PAN and registered mobile number for instant eligibility check.
3Select HDFC Shoppers Stop Card and provide First Citizen membership number if available.
4Enter employer details and monthly salary.
5Complete online Video KYC session with bank official.
6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch or Shoppers Stop store customer service desk with PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card (statutory requirement)
2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID
3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet
4. Passport-size photograph.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Shoppers Stop Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Shoppers Stop Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Shoppers Stop Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 First Citizen Reward Point = ₹0.60 redeemable instantly against bill settlement at Shoppers Stop POS cash counters. Please note: First Citizen reward points validity governed by Shoppers Stop loyalty program rules (typically 12 months).
What is the interest-free grace period on HDFC Shoppers Stop Credit Card and how does it work?
The interest-free period on HDFC Shoppers Stop Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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