Shoppers Stop HDFC Bank Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

Shoppers Stop HDFC Bank Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

The Shoppers Stop HDFC Bank Credit Card is a fantastic option for individuals who enjoy shopping at Shoppers Stop and staying abreast of the latest fashion trends. It comes with a complimentary Shoppers Stop Membership, making it an appealing choice for those who frequent this store. This co-branded credit card is specifically designed to provide generous rewards to customers who shop at Shoppers Stop.

Cardholders enjoy exclusive benefits, including earning multiple reward points on their shopping purchases. These points can be later redeemed for further purchases at Shoppers Stop, allowing cardholders to enjoy additional savings on their shopping sprees.

Rewards and Benefits

Earn 3% Reward Points on all purchases at Shoppers Stop and 1% Reward Points on all other transactions. These points can be redeemed for purchases at Shoppers Stop outlets or online through their website. The card also offers Zero Liability Protection, ensuring the cardholder is not liable for any fraudulent transactions after reporting the loss of the card to the bank.

Fees & Charges

There are no spend-based waivers or redemption fees associated with the Shoppers Stop HDFC Bank Credit Card. However, there is a foreign currency markup of 3.5% on the converted amount, plus taxes. The interest rate is 3.6% per month or 43.2% per annum. Cardholders also enjoy a 1% fuel surcharge waiver, up to Rs. 250 per statement cycle, at all petrol stations in India. The cash advance charge is 2.5% of the transaction amount, with a minimum charge of Rs. 500. There is no fee for add-on cards.

Product Details

Receive a complimentary Shoppers Stop Membership with the Shoppers Stop HDFC Bank Credit Card. Enjoy a welcome benefit of a Shoppers Stop Voucher worth ₹500, redeemable on any bill value. Benefit from a 1% fuel surcharge waiver across all fuel stations, up to ₹250 per statement cycle. All reward points will be reflected in your Shoppers Stop account and can be redeemed exclusively on the platforms and outlets associated with Shoppers Stop.

Pros/Cons

Pros of the Shoppers Stop HDFC Bank Credit Card include its lifetime free status, as it does not have any annual or joining fees. Additionally, you can make UPI payments by linking your RuPay credit card for added convenience.

However, there are some limitations to consider. The reward points, known as First Citizen Points, can only be used on the Shoppers Stop platform or outlets. Furthermore, this card does not offer any golfing benefits, and cardholders do not have access to domestic or international lounges.

Shoppers Stop HDFC Credit Card Features and Benefits

The Shoppers Stop HDFC Bank Credit Card offers a range of benefits designed to enhance your shopping experience. Here’s a detailed look at its features:

Welcome Benefit: As a welcome gift, cardholders receive a voucher worth Rs. 500, which can be redeemed on any bill value at Shoppers Stop.

Milestone Benefits: Earn Rs. 500 per month for a minimum purchase of Rs. 15,000 at Shoppers Stop over the weekend. This benefit is capped at once per month and five times per year.

Reward Benefits: Enjoy complimentary Shoppers Stop Membership and earn 3% Reward Points on every Shoppers Stop spend, with a maximum cap of Rs. 500 per month. Additionally, earn 1% Reward Points on Non-Shoppers Stop Spends, with a maximum cap of Rs. 1000 per month.

Reward Redemption: Redeem Bank Reward Points against a Shoppers Stop voucher at a value of Rs. 1. For non-Shoppers Stop vouchers, redemption will be as per HDFC Bank’s current redemption catalog.

Eligibility Criteria: For self-employed Indian Citizens, the minimum age is 21 years, and the maximum age is 65 years, with an ITR of Rs. 6 Lakhs or more. For salaried Indian Citizens, the minimum age is 21 years, and the maximum age is 60 years, with a net monthly salary of Rs. 20,000 or more.

Fees and Charges: The Shoppers Stop HDFC Bank Credit Card is a lifetime free card, with no joining or annual fee. The interest rate is 3.6% per month on the outstanding amount. The cash advance fee is 2.5% of the transaction amount or a minimum of Rs. 500. The forex markup fee is 3.5% on all foreign currency transactions.

Shoppers Stop HDFC Bank Credit Card Review

The Shoppers Stop HDFC Bank Credit Card is a valuable addition to HDFC’s lineup, offering a host of shopping benefits. Cardholders receive an exclusive Shoppers Stop membership, enabling them to earn rewards on their purchases at Shoppers Stop. These rewards accumulate as points in the Shoppers Stop account, and can be redeemed against future purchases either in-store or online. This card is perfect for individuals looking for a convenient and rewarding shopping experience at Shoppers Stop.