एचडीएफसी शॉपर्स स्टॉप क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Fashion retail co-branded card offering 3% First Citizen points at Shoppers Stop, exclusive store sale privileges, and ₹500 welcome voucher.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Shoppers Stop shopping voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.
No complimentary airport lounge access is included on this fashion retail card.
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).
Complimentary First Citizen Silver Edge membership at Shoppers Stop. Shoppers Stop discount vouchers worth ₹2,000 on reaching ₹2 Lakhs annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹20,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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%.
🚀आवेदन के चरण (How to Apply)
Step 1: Apply online at hdfcbank.com or at customer helpdesk in Shoppers Stop stores. Step 2: Enter PAN and registered mobile number for instant eligibility check. Step 3: Select HDFC Shoppers Stop Card and provide First Citizen membership number if available. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.