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Federal BankShoppers Stop HDFC Bank Credit Card is a lucrative card for people who love to shop at Shoppers Stop and like to stay updated on fashion trends. It offers complementary Shoppers Stop Membership to people who avail of this card. This co-branded credit card is specially designed for consumers seeking generous rewards while purchasing at Shoppers Stop.
The cardholders get exclusive benefits such as accrual of multiple reward points on shopping purchases and redeeming them later against further purchases that they make at Shoppers Shop. Keep reading for more benefits and features of the Shoppers Stop HDFC Bank Credit Card.
Earlier, this card used to be lifetime free, while now it can be availed with a joining charge.
Shoppers Stop HDFC Bank Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
Earn 3% Reward Points on every Shoppers Stop spend and 1 % Reward Points on Non-Shoppers Stop Spends
Reward Redemption
The points can be redeemed on purchases made in Shoppers Stop Outlet or online through Shoppers Stop website.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
Cardholder shall not be liable for any fraudulent transaction done on the card post reporting the loss of card to the bank.
Spend Based Waiver
NA
Rewards Redemption Fee
NA
Rewards Redemption Fee
NA
Foreign Currency Markup
3.5% on conversion amount (plus tax)
Interest Rates
3.6% per month or 43.2% per annum
Fuel Surcharge
Cardholders get a 1% fuel surcharge waived (up to Rs. 250 per statement cycle), across all petrol stations in India.
Cash Advance Charges
2.5 % of the transaction amount subject to a minimum charge of Rs 500.
Add-on Card Fee
NA
- Complimentary Shoppers Stop Membership.
- Get a Shoppers Stop Voucher worth ₹500 as a welcome benefit redeemable on any bill value.
- 1% fuel surcharge waiver across all fuel stations (up to ₹250 per statement cycle)
- All points will be reflected in the Shoppers Stop account and can be redeemed only on the platforms and outlets
Pros
- Shoppers Stop HDFC Bank Credit Card is a lifetime free card with zero annual and joining fees.
- You can also make UPI payments by linking your RuPay credit card.
Cons
- Reward points (First Citizen Points) can only be availed on the Shoppers Stop platform or outlets.
- This card does not provide any golfing benefits, and you will also not have access to domestic or international lounges.
Shoppers Stop HDFC Credit Card Features and Benefits
Following are the detailed features and benefits of the Shoppers Stop HDFC Bank Credit Card:
Welcome Benefit
Cardholders get a voucher worth Rs. 500 as a welcome benefit, which can be redeemed on any bill value at Shoppers Stop.
Milestone Benefits
- Earn ₹500 per month for a minimum purchase of ₹15,000 on Shoppers Stop over the weekend.
- Capped to a maximum of once in a month and five times in a year.
Reward Benefits
- Enjoy complimentary Shoppers Stop Membership
- Earn 3% Reward Points on every Shoppers Stop spend (Maximum cap of ₹500 per month)
- 1 % Reward Points on Non-Shoppers Stop Spends (Maximum cap of ₹1000 per month)
Reward Redemption
- Bank Reward Points redemption value will be ₹1 when availed against the Shoppers Stop voucher.
- All non-Shoppers Stop voucher redemptions will be as per HDFC Bank’s current redemption catalog.
Shoppers Stop HDFC Bank Credit Card Eligibility Criteria
The eligibility of the applicant to apply for the Shoppers Stop HDFC Bank Credit Card is as follows :
- For self-employed Indian Citizens, the minimum age of the applicant should be 21 years, and the maximum age should be 65 years, and he should have submitted an ITR of Rs.6 Lakhs or more
- For salaried Indian Citizens, the minimum age of the applicant should be 21 years, and the maximum age should be 60 years with a net monthly salary of Rs. 20,000 or more.
Shoppers Stop HDFC Bank Credit Card Fees and Charges
- Shoppers Stop HDFC Bank Credit Card is a lifetime free card, so you don’t need to pay any joining or annual fee for this.
- The interest rate on this card is 3.6% per month. Interest is charged on the outstanding amount not paid by the due date.
- The cash advance fee on this credit card is 2.5% of the transaction amount or a minimum of ₹500.
- The forex markup fee on this credit card is 3.5% on all foreign currency transactions.
Comparison Between Shoppers Stop & Shoppers Stop Black HDFC Credit Card
Let’s compare the Shoppers Stop HDFC Bank Credit Card with the Shoppers Stop Black HDFC Bank Credit Card. While both cards are ideal for purchases at Shoppers Stop, they have some differences.
| Benefits | Shoppers Stop HDFC Credit Card | Shoppers Stop Black HDFC Credit Card |
| Joining Fee | ₹299 + GST | ₹4,500 + GST |
| Renewal Fee | ₹299 + GST | ₹4,500 + GST |
| Reward Points | Earn 3% Reward Points on every Shoppers Stop spend (Maximum cap of ₹500 per month) | Get 7% Reward Points on every SS spends. Maximum cap at ₹2000 per month |
| Domestic Lounge Access | N/A | 16 (Annually) |
| International Lounge Access | N/A | 8 (Annually) |
Shoppers Stop HDFC Bank Credit Card Review
The Shoppers Stop HDFC Bank Credit Card is an exclusive HDFC card with attractive shopping benefits. Customers gain access to an exclusive Shoppers Stop membership that allows them to gain rewards when they purchase at Shoppers Stop. The reward points are credited to the Shoppers Stop account, which the members can redeem against the purchases made at Shoppers Stop either at the store or through the website. It’s ideal for those seeking a seamless shopping experience at Shoppers Stop.
