HDFC Bank
Gold · Shoppers Stop
Shoppers Stop HDFC Bank Credit Card
HDFC Bank
Earn cashback on Shoppers Stop with a low annual fee
Annual Fee
₹299
Joining Fee
₹299
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,647
Total Annual Benefits
₹4,000
Total Annual Charges
₹353
ROI
1033%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (2)
Shoppers Stop Cashback
3% cashback on all purchases at Shoppers Stop stores and online
- • Valid at Shoppers Stop stores and online
3% cashback
Exclusive Shoppers Stop Offers
Exclusive sale previews and additional discounts during Shoppers Stop sales events
- • During Shoppers Stop sale events
Exclusive offers
₹1,000/yr
Cashback Benefits (1)
All Other Spends
1% cashback on all other retail purchases
1% cashback
Reward Program
Program
Shoppers Stop Cashback
3% on Shoppers Stop, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Shoppers Stop
3x multiplier
3% cashback at Shoppers Stop
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹299 Excluding GST |
| Annual Fee | ₹299 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Shoppers Stop First Citizen integration Exclusive sale access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Shoppers Stop HDFC Bank Credit Card is an entry-level co-branded credit card offering 3% cashback on all Shoppers Stop purchases and 1% on all oth...
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