Shoppers Stop HDFC Bank Credit Card – Benefits, Fees & Eligibility

Introduction

The Shoppers Stop HDFC Bank Credit Card is a co-branded offering from HDFC Bank, specifically designed for individuals who frequently shop at Shoppers Stop and wish to stay updated on fashion trends. Positioned as a lucrative card for shoppers, it provides a complimentary Shoppers Stop Silver Edge Membership and generous reward points on purchases made both at Shoppers Stop and elsewhere. Cardholders also receive a welcome voucher, enhancing its appeal for dedicated Shoppers Stop customers.

Welcome Benefits

• Shoppers Stop Voucher worth ₹500, redeemable on any bill value at Shoppers Stop.
• Complimentary Shoppers Stop Silver Edge Membership.

Fees

• Joining Fee: ₹299 + GST.
• Renewal Fee: ₹299 + GST.
• Rewards Redemption Fee: ₹99 + GST.
• Foreign Currency Markup: 3.5% + GST on all foreign currency transactions.
• Interest Rates: 3.75% per month (or 45% annually) on the outstanding amount not paid by the due date.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to ₹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 ₹500.

Rewards

• Complimentary Membership: Enjoy a complimentary Shoppers Stop Silver Edge Membership.
• Shoppers Stop Spends: Earn 3% Reward Points on every Shoppers Stop spend, with a maximum cap of 500 Reward Points per month.
• Non-Shoppers Stop Spends: Earn 1% Reward Points on Non-Shoppers Stop Spends, with a maximum cap of 1,000 Reward Points per month.
• Milestone Benefits: Earn ₹500 per month for a minimum purchase of ₹15,000 on Shoppers Stop over the weekend. This benefit is capped to a maximum of once per month and five times per year.
• Movie & Dining: Not applicable.
• Travel: Not applicable.
• Domestic Lounge Access: Not applicable.
• International Lounge Access: Not applicable.
• Golf: Not applicable.
• Insurance Benefits: Not applicable.
• UPI Payments: You can make UPI payments by linking your RuPay credit card.

Rewards Redemption Guide

• Reward Points can be redeemed against multiple options.
• Bank Reward Points redemption value will be ₹1 when availed against a Shoppers Stop voucher.
• All non-Shoppers Stop voucher redemptions will be as per HDFC Bank’s current redemption catalog.
• Reward Point Value for Product Catalogue: ₹0.25 per point.
• Reward Point Value for Cashback: ₹0.20 per point.
• Reward Point Value for Airmiles: ₹0.25 per point.
• Reward Point Value for Unified SmartBuy (Flights/Hotels): ₹0.20 per point.
• Reward points are credited to the Shoppers Stop account and can be redeemed against purchases made at Shoppers Stop, either at the store or through the website/registered application.
• To redeem vouchers/welcome benefits, Shoppers Stop will share SMS/email communications on the registered mobile number and email address. Customers must follow the steps mentioned and intimate Shoppers Stop staff at the time of billing.

Card Eligibility Criteria

• For self-employed Indian Citizens:
  • Minimum age: 21 years.
  • Maximum age: 65 years.
  • Must have submitted an ITR of ₹6 Lakhs or more.
• For salaried Indian Citizens:
  • Minimum age: 21 years.
  • Maximum age: 60 years.
  • Net monthly salary of ₹20,000 or more.

Card Review

The Shoppers Stop HDFC Bank Credit Card is an exclusive HDFC card offering attractive shopping benefits, making it ideal for those seeking a seamless shopping experience at Shoppers Stop. Customers gain access to an exclusive Shoppers Stop membership that allows them to earn and redeem rewards on purchases made at Shoppers Stop outlets or digital stores.

• Pros:
  • You can make UPI payments by linking your RuPay credit card.
• Cons:
  • This card does not provide any golfing benefits.
  • You will not have access to domestic or international lounges.

Important Product Details

• Complimentary Shoppers Stop Silver Edge 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).
• Earn 3% Reward Points on every Shoppers Stop spend (Maximum cap of 500 Reward Points per month).
• Earn 1% Reward Points on Non-Shoppers Stop Spends (Maximum cap of 1,000 Reward Points per month).
• Opportunity to earn ₹500 per month for a minimum purchase of ₹15,000 on Shoppers Stop over the weekend (capped once a month, five times a year).
• Ability to make UPI payments by linking your RuPay credit card.
• The card does not offer golfing benefits or access to domestic or international lounges.

Other Details

• The card is best suited for shopping.
• The reward type is Reward Points.
• Earlier, this card used to be lifetime free, but now it can be availed of with a joining charge.