HDFC Shoppers Stop Credit Card Review | HDFC Bank Shoppers Stop Credit Card 2022

If you are a shopping addict and looking for a card that can offer you some savings from your compulsive shopping expenses, then you should take a look at the hdfc shoppers stop credit card. Targeting the shopaholics this card offers useful first citizen reward points on every transaction, complimentary membership of Shoppers Stop, handsome monthly waivers on fuel surcharges, and lots more.

The best part is that you will get to enjoy all the benefits without any joining or annual fees. More about the hdfc credit card shoppers stop offers are discussed below.

What are the shoppers stop hdfc credit card eligibility criteria?

  • Resident Type: Indian
  • HDFC bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years. 
    • Income: The average monthly income of the applicant should be Rs.20,000 or more. 
  • HDFC credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years. 
    • Income: The annual income tax return should be Rs.6 lakh.
  • An excellent credit score(760 or more) will help you to get the shoppers stop hdfc credit card more easily.

What documents are required to apply for this hdfc shoppers stop card?

  • Photocopy of Address proof (any 1)
    • Last 6 months’ bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR(Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Nowadays, all hdfc bank new credit cards are delivered in an inactive state to ensure the security of your account during shipment. So, if you are thinking about how to activate hdfc credit card for the first time? then make sure to take a look at our HDFC faq page.

How much does the shoppers stop hdfc credit card cost?

  • Shoppers stop hdfc bank card joining fee: None.  
  • HDFC shoppers stop credit card annual fee: Free for a lifetime.

What are the shoppers stop hdfc card benefits?

  • A wonderful joining bonus to make a perfect start for you:

With the activation of your hdfc bank shoppers stop card, you will be welcomed with a Rs.500 gift voucher from Shoppers Stop. You can use the hdfc credit card shoppers stop voucher to shop for private label brands’ clothing (min shopping amount should be Rs.5,000).

  • Get rewarded for every transaction you make:

For every Rs.150 transaction, this shoppers stop credit card offers you first citizen points. The details are given in the table below.

Product category

HDFC credit card reward points earning rate

Shoppers Stops private label brands. 6 first citizen points for every Rs.150 transaction (up to 500 points per hdfc credit card billing cycle)
Other shoppers stop brands and other categories of transactions. 2 hdfc credit card reward points.

You will not get any hdfc credit card points for fuel purchases and wallet top-ups. Those points can be used for shopping at Shoppers Stop outlets. You can check the status of your earned points from your hdfc credit card app.

  • Enjoy freedom from fuel surcharges:

By using the shoppers stop shopping card to purchase fuel from any fuel station in India, you can earn a 1% waiver on fuel surcharges. You can get a maximum of Rs.250 waiver per hdfc credit card statement cycle.

  • Earn extra benefits from milestone spending:

On spending Rs.2 lakh within a year, you can earn up to 2000 hdfc first citizen points. You can track your hdfc credit card status from your hdfc credit card net banking account.

  • Make repayments easier with the low-cost EMI option:

With the hdfc smart emi option, you can split your high-value transactions into small monthly installments at an affordable rate. You can calculate the applicable hdfc smart emi interest rate and monthly installment amount from the hdfc credit card emi calculator.

  • Convenient hdfc bank credit card bill payment options to make your life easier:

You can pay hdfc credit card bill online from your net banking account or by using any credit card payment app like Cred, Google Pay, Paytm, Phone pe, etc. But if you don’t like the online payment options then click here to know how to pay hdfc credit card bill offline?

  • Enjoy the convenience of the contactless payment facility:

This hdfc shopping credit card is equipped with an advanced contactless payment facility, this feature allows you to make payments just by placing your card over any contactless-enabled POS machine. 

You can also control the contactless payment option from your hdfc credit card netbanking account, click here to go to the hdfc credit card login page.

What are the hdfc credit card charges?


Payable amount

HDFC credit card cash withdrawal charge 2.5% against the withdrawn amount, min Rs.500 (check your available hdfc bank credit card limit before making a withdrawal)
HDFC credit card finance charges The hdfc credit card interest rate can go up to 3.6% monthly or 43.2% annually (applicable if the hdfc credit card payment is not made within the due date)
HDFC international transaction charges 3.5% against the transaction amount
HDFC add on credit card fee Free for a lifetime

As per the new rbi regulations, online transactions on new credit cards are temporarily disabled. So if you can’t use your hdfc bank credit card for online transactions then click here to know how to enable hdfc credit card for online transactions?

How to get in touch with the hdfc credit card customer care department?

  • Call the hdfc credit card customer care number: 1800-266-4332 (Toll-Free) / 1800-202-6161(Toll-Free) or 022-6160-6161
  • Write to the hdfc credit card customer care email id: 

100xGain Ratings:


Pros and Cons of the hdfc bank shoppers stop credit card:



  • It’s a lifetime free hdfc credit card.
  • The rate of earning hdfc credit card rewards points is quite good.
  • You can also earn a handsome monthly waiver on fuel surcharges.
  • The hdfc shopping offers are only applicable to the Shoppers Stop branded clothes. 
  • There are no dining or entertainment benefits on this shoppers stop hdfc credit card.

If you don’t want to continue with your old HDFC credit card and are thinking about how to close hdfc credit card account permanently? then feel free to visit our HDFC faq page to know the complete hdfc credit card cancellation process.

Final Opinion:

After analyzing the hdfc credit card benefits, I can say that this card is going to be beneficial for those who shop frequently with Shoppers Stop. They can make some handsome monthly savings with the exclusive hdfc credit card offers on shoppers stop.

But the shoppers stop hdfc credit card also has some major drawbacks too. The shopping benefits are only applicable at Shoppers Stop outlets or websites and you will not get any dining or entertainment benefits from this card. So if you are looking for a better option, then feel free to take a look at our top shopping credit cards page, it will help you in making an informed decision.

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: