Shoppers Stop HDFC Bank Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:47 PM - Comment(s)

Shoppers Stop HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card – exclusive shopping rewards, cashback benefits, and fee details
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Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

Shoppers Stop HDFC Bank Credit Card Review
"Making Your Favorite Store More Rewarding"

Introduction

The Shoppers Stop HDFC Bank Credit Card is a co-branded credit card designed for frequent shoppers at Shoppers Stop. It offers a range of benefits, including high reward points on Shoppers Stop spends, complimentary membership, and a fuel surcharge waiver, making it an excellent choice for those who value shopping rewards. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • Receive a Shoppers Stop voucher worth ₹500 as a welcome gift, redeemable on any bill value at Shoppers Stop.

  • Complimentary Shoppers Stop Silver Edge membership, providing exclusive shopping benefits.

Reward Structure

  • Earn 3% reward points on every Shoppers Stop spend, with a monthly cap of ₹500.

  • Earn 1% reward points on non-Shoppers Stop spends, capped at ₹1,000 per month.

Milestone Benefits

  • Earn ₹500 per month for a single purchase of ₹15,000 or more on Shoppers Stop over the weekend. This benefit is capped at once per month and can be availed up to five times annually.

Fuel Surcharge Waiver

  • Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.

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Fees And Charge Table

Card Essential

 Type:- SHOPPING CARD

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 Welcome Benefits:-  Get a ₹500 Shoppers Stop welcome voucher.
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Joining Fee:- ₹299 + GST  
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  Annual Fee:- ₹299 + GST  
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 Reward Structure:- Rewards on shopping
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Renewal Benefit:- Renewal Fees will be levied every year.
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 Interest Rate:- 3.75% per month (i.e., 45% per annum)
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 Forex Mark-up:- 3.50% + TAXS
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 Cash Advance Charges:- 2.5% or ₹500 Whichever is higher
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 Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹550 
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 Wallet Transactions  Charges:- 1% + GST 
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Rental Transactions  Charges:- 1% + GST 
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 Utility Transactions  Charges:- 1% + GST 
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 Education Fee Payment Charges:-1% + GST 
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Railway Surcharge:- 1% + GST 
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 Fuel Surcharge:- 1% 

Rewards and Benefits Analysis

The Shoppers Stop HDFC Bank Credit Card is ideal for frequent shoppers at Shoppers Stop, offering substantial rewards on these purchases. The complimentary Silver Edge membership and fuel surcharge waiver enhance its appeal for everyday expenses.

Practical Considerations

While the card excels in shopping rewards, its benefits are limited for non-Shoppers Stop spends. Additionally, the monthly caps on reward points might restrict high spenders from maximizing their rewards.

Redemption Options

Reward points can be redeemed at a value of ₹1 per point when used against Shoppers Stop vouchers. For other redemption options, the value is lower, typically around ₹0.20 to ₹0.25 per point for cashback or bookings via HDFC SmartBuy.

Ideal User Profile

This card is best suited for:

  • Frequent shoppers at Shoppers Stop.

  • Individuals who value shopping rewards and exclusive membership benefits.

  • Those seeking an affordable credit card with practical benefits.

Final Thoughts

The Shoppers Stop HDFC Bank Credit Card offers a compelling package for frequent Shoppers Stop customers with  high reward rate and complimentary membership. While it may not be ideal for everyone due to its limited premium benefits, its affordability and focused rewards make it a solid choice for those who regularly shop at Shoppers Stop.

Additional Tips for Potential Applicants

  • Eligibility: Ensure you meet the income requirements (₹20,000/month for salaried or ₹6 lakh/year ITR for self-employed).

  • Usage: Maximize spends at Shoppers Stop to get the most out of the rewards.

  • Redemption: Opt for Shoppers Stop vouchers for the best redemption value.

CDMS EXPERT ADVICE

The Shoppers Stop Black HDFC Bank Credit Card suits frequent shoppers who can fully use its premium benefits without overspending. Avoid opening it or any card just for rewards or cashback. Use credit cards wisely—limit yourself to two, spend only on genuine needs, and pay bills in full to stay debt-free. If you struggle with debt, prioritize managing and reducing it before adding premium cards. 

CDMS can guide you toward relief and disciplined credit use.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Shoppers Stop HDFC Bank Credit Card aligns with their 

Shopping habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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