HDFC Shoppers Stop credit card

HDFC Shoppers Stop

HDFC Bank · Mastercard

HDFC Shoppers Stop credit card rewards loyal Shoppers Stop customers with First Citizen points on every purchase in-store and online.

Annual Fee

₹500

Waived at ₹1.0L spend

Joining Fee

₹500

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

680

₹3L+ income

Key Features

10X reward points at Shoppers Stop — on all in-store and online purchases
2X reward points on other department store and apparel spends
1X reward points on all other spends
Complimentary Shoppers Stop First Citizen Gold membership
Exclusive invitations to Shoppers Stop pre-sale and preview events
Reward points redeemable at Shoppers Stop (1 pt = ₹0.25)
Annual fee waived on ₹75,000 spend in previous membership year
Birthday bonus points during your birth month at Shoppers Stop

Welcome Benefits

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₹500 Shoppers Stop Gift Voucher

Receive a ₹500 Shoppers Stop gift voucher on card activation, usable on your first shopping visit or online order

✓

Complimentary First Citizen Gold Membership

Instant Shoppers Stop First Citizen Gold tier membership — earn First Citizen points on every purchase in addition to credit card points

Reward Rates by Category

Dining

2X

Travel

2X

Online

3X

Shopping

5X

Grocery

3X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Shoppers StopRetail / Department Store10X
Department StoresRetail2X

Milestone Benefits

₹2.0 L

5,000 Bonus Reward Points

Earn 5,000 bonus reward points on spending ₹2 lakhs in a year — redeemable at Shoppers Stop

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death insurance for the primary cardholder

₹50 Lakhs

Credit Shield

Dues waived on accidental death — provides financial security for the family

Outstanding balance

Pros

  • 5X points at Shoppers Stop
  • Convert points to First Citizen loyalty
  • Welcome voucher on activation
  • Fuel surcharge waiver
  • Annual fee waived on spend

Cons

  • Best value only for Shoppers Stop regulars
  • No lounge access
  • Limited network for premium benefits

Frequently Asked Questions

How many reward points do I earn at Shoppers Stop?+
10X reward points on all Shoppers Stop purchases — in-store and online. Other department stores and apparel spends earn 2X, and everything else earns 1X.
How do I redeem reward points?+
Points are redeemable at any Shoppers Stop store (1 point = ₹0.25) or online at shopperstop.com. Points are also linked to your First Citizen account.
What is the annual fee?+
₹500 per year. Waived if you spend ₹75,000 or more in the previous membership year.
What is the First Citizen membership benefit?+
Complimentary First Citizen Gold membership earns Shoppers Stop First Citizen points on top of HDFC reward points — effectively double rewards at Shoppers Stop.
Do I get any birthday benefits?+
Yes — you earn bonus First Citizen points during your birthday month at Shoppers Stop. Check First Citizen programme terms for the current bonus.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Shoppers Stop

₹500/yr · 3X rewards