M16S / HDFC Bank / Shoppers Stop HDFC Bank Credit Card
entry · cobrand, shopping
Shoppers Stop HDFC Bank Credit Card
The Shoppers Stop HDFC Bank Credit Card costs Rs 299 a year. Its base return is 1% (1% in points on non-Shoppers Stop spends). Accelerated earn: 3% in points on Shoppers Stop purchases. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 299+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on hdfc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 299 |
|---|---|
| Annual fee | Rs 299 |
| Fee notes | Joining/renewal fee Rs 299 + taxes (HDFC page and MITC); no spend-based waiver found. |
Rewards
| Welcome benefit | Rs 500 Shoppers Stop voucher; complimentary Silver Edge membership worth Rs 350 |
|---|---|
| Reward currency | Reward Points (First Citizen) |
| Base earn | 1% in points on non-Shoppers Stop spends |
| Base return | 1% |
| Point valueunverified | 1 point = Re 1 as Shoppers Stop voucher; Rs 0.25 product catalogue; Rs 0.20 cashback (page). Airmiles and SmartBuy values are blank in the page text; aggregator gives Rs 0.25 airmiles and Rs 0.20 SmartBuy travel. |
| Accelerated earn | 3% in points on Shoppers Stop purchases |
| Capsunverified | Grocery spends capped at 1,000 points per month (page); 3% tier 500 points/month and 1% tier 1,000 points/month (aggregator, not on page) |
| Spends that earn nothing | No points on rent and government payments (page); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel |
| Points expiry | 2 years |
| Milestone benefits | Reward Points worth Rs 500 per month for a single purchase of Rs 15,000 or more at Shoppers Stop on weekends (page value chart assumes 5 such visits a year) |
| Reward notes | Redemption fee Rs 99 + GST (MITC). Base return = 1% in points x Re 1 per point as Shoppers Stop voucher, both stated on the issuer page. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | Not applicable per MITC (updated 29 Oct 2026); product page shows 1%, cap Rs 250 |
| Other freebies | Silver Edge membership; RuPay variant can be linked to UPI |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, income Rs 20,000/month; self-employed: age 21-65, ITR above Rs 6 lakh |
| Fine-print notes | Issuer product page read 2026-10-12. Conflicts (issuer page used): milestone_benefits: old 'Rs 500 voucher' (cardinsider) vs page 'Reward Points worth Rs 500'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the Shoppers Stop HDFC Bank Credit Card?
- Rs 299 a year, before GST.
- Does the Shoppers Stop HDFC Bank Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Shoppers Stop HDFC Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Shoppers Stop HDFC Bank Credit Card?
- No points on rent and government payments (page); wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC); fuel