Departmental Store Retail Privilege — Up to 3% Rewards at Shoppers Stop & First Citizen Tier
Fashion shoppers, departmental store buyers, and families who purchase clothing, cosmetics, and lifestyle brands at Shoppers Stop outlets.
₹299
One-time upfront₹299
Waived on ₹50,000 annual spend1% Reward Points on all other retail transactions
On eligible spends3.50% + GST
Cross-currency spendsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Shoppers Stop HDFC Bank Credit Card is a tailored retail credit card created for fashion-conscious consumers and families who regularly upgrade their wardrobe and cosmetic essentials at Shoppers Stop departmental stores across India. Priced at a budget-friendly **annual fee of ₹299 + GST**, the card delivers immediate first-year profitability by gifting a **₹500 Shoppers Stop voucher** upon completing the first retail purchase within 30 days of setup, effortlessly covering the initial fee. At Shoppers Stop stores and its official e-commerce portal, cardholders earn **3% of their spend as Reward Points (6 Reward Points per ₹150 spent)**, which are credited directly to your Shoppers Stop account and redeemable 1:1 against future apparel, footwear, perfume, and cosmetics purchases. Cardholders are also enrolled in the **Shoppers Stop First Citizen loyalty program**, unlocking priority billing counters, alteration perks, and exclusive member-only sale previews. On all other retail purchases, the card earns a steady 1% reward rate (2 Reward Points per ₹150). The annual fee is completely waived upon achieving annual retail spends of **₹50,000**, alongside a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. While it does not include airport lounge access, for consumers who frequent Shoppers Stop for festive clothing, seasonal apparel, and beauty brands, this card provides reliable and practical returns.
Earn 3% Reward Points on fashion, footwear, and beauty purchases at Shoppers Stop retail stores and shoppersstop.com.
Receive complimentary First Citizen Silver Edge membership delivering in-store reward point accumulation on every transaction.
Redeem your accumulated Reward Points at 1 RP = ₹1.00 for Shoppers Stop vouchers to discount your future shopping bills.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Shoppers Stop Stores & Website | 3% Reward Points on purchases at Shoppers Stop stores and website (max 500 RP/month; 1 RP = ₹1.00 on vouchers) | 500 Reward Points/mo | Standard terms apply |
| Other Retail Spends | 1% Reward Points on all other eligible retail transactions (max 1,000 RP/month) | 1,000 Reward Points/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Shoppers Stop Stores & Website | ₹12,000 | 3% Reward Points on purchases at Shoppers Stop stores and website (max 500 RP/month; 1 RP = ₹1.00 on vouchers) | — | ₹500/monthly | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 1% Reward Points on all other eligible retail transactions (max 1,000 RP/month) | — | ₹1,000/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹299
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹15,000 or more in an anniversary year to receive a full waiver of the ₹299 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹299 + GST (Welcome benefit of ₹500 Shoppers Stop e-voucher on executing the first retail transaction in 30 days). • Annual Renewal Fee: ₹299 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹50,000 in the preceding anniversary year. • Shoppers Stop Accelerated Rewards: 6 Reward Points per ₹150 spent at Shoppers Stop physical stores and online portal (approx 3.0% value back). • Base Rewards: 2 Reward Points per ₹150 spent on all other eligible retail transactions (approx 1.0% value back). • Loyalty Tier Privileges: Automatic enrollment into Shoppers Stop First Citizen membership with member preview days and priority customer service. • Reward Redemption Value: 1 Reward Point = ₹0.75 when redeemed against purchases at Shoppers Stop outlets. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000 across all fuel stations in India. • Foreign Currency Markup: 3.50% + GST on foreign exchange transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹299 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Shoppers Stop HDFC Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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