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Features of the HDFC Shoppers Stop Credit Card

  • Overview of HDFC Shoppers Stop Credit Card

    The HDFC Shoppers Stop Credit Card is a co-branded offering designed for avid shoppers who frequent Shoppers Stop outlets and seek to maximize their rewards on fashion, lifestyle, and home décor purchases. This card combines the convenience of a credit card with exclusive benefits tailored to enhance the shopping experience, both online and offline. With a focus on rewarding style-conscious consumers, it provides a range of features that cater to frequent shoppers while offering additional perks like fuel surcharge waivers and contactless payments.

  • Why Choose This Card?

    This credit card stands out for its targeted rewards structure, making it an excellent choice for those who regularly shop at Shoppers Stop. It offers a seamless way to earn and redeem rewards, alongside practical benefits like EMI conversion and secure payment options. Whether you're upgrading your wardrobe or redecorating your home, this card ensures your spending translates into meaningful savings.

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    • Welcome and Membership Benefits:
      Complimentary Welcome Voucher: Upon activation, receive a ₹500 Shoppers Stop voucher, redeemable on a minimum spend of ₹3,000 at Shoppers Stop stores.
      Free Shoppers Stop Membership: Enjoy exclusive offers, priority billing, and early access to sales through a complimentary First Citizen Silver Edge membership.
    • Shoppers Stop Purchases: Earn 3% reward points on every purchase made at Shoppers Stop outlets or online, with a monthly cap of 500 points. This translates to substantial savings for frequent shoppers.
    • Non-Shoppers Stop Purchases: For all other retail transactions, cardholders earn 1% reward points, capped at 1,000 points per month. This ensures you’re rewarded even when shopping elsewhere.
    • First Citizen Points: When spending on Shoppers Stop private label brands, you earn 6 First Citizen Points for every ₹150 spent, capped at 500 points monthly. Other Shoppers Stop brand purchases yield 2 First Citizen Points per ₹150.
    • Redeeming Reward Points:
    • Shoppers Stop Vouchers: One reward point equals ₹1 when redeemed for Shoppers Stop vouchers, making it a high-value option for cardholders.
    • HDFC Bank Catalogue: For non-Shoppers Stop redemptions, points can be used as per HDFC Bank’s redemption catalogue, offering flexibility for other purchases like travel or electronics.
    • Validity: Reward points remain valid for 2 years, giving ample time to accumulate and redeem them strategically.
    • Weekend Milestone Benefits: To sweeten the deal, the card offers milestone rewards for weekend shopping at Shoppers Stop: Spend ₹15,000 or more in a single transaction over the weekend (Friday to Sunday) and earn a ₹500 voucher. This benefit is capped at once per month and five times annually, encouraging planned shopping sprees.
    • Payment Flexibility and Convenience:
      Contactless Payments: Tap-and-go functionality for transactions up to ₹5,000 without a PIN.
      UPI Integration: RuPay variant allows UPI linkage for seamless scan-and-pay at merchants.
      EMI Conversion: SmartEMI lets you convert purchases of ₹2,500 or more into easy EMIs.
    • Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
    • Fees and Charges:
      Joining Fee: ₹299 + taxes
      Annual Fee: ₹299 + taxes
      Finance Charges: 3.6% per month (43.2% annually)
      Cash Advance Fee: 2.5% or ₹500 (whichever is higher)
      Forex Markup: 3.5%
      Rewards Redemption Fee: ₹99 per redemption request
    • Reward Points & Redemption: Structure: Earn rewards on Shoppers Stop and other spends. Monthly caps: 500 points for Shoppers Stop spends and 1,000 for others.
      Exclusions: No rewards on fuel, rent, EMI, wallet loads, government transactions, jewelry, etc.
      Redemption: 1 point = ₹1 for Shoppers Stop vouchers; other redemptions via HDFC catalogue.
    • Weekend Milestone Benefits: Spend ₹15,000+ in a single transaction from Friday to Sunday and get a ₹500 Shoppers Stop voucher. (Max: once per month, five times a year)
    • Security and Fraud Protection: Zero Liability: Report loss/theft immediately to avoid liability for fraudulent use.
      Secure Transactions: PIN required for payments above ₹5,000. Uses RuPay for added security.
    • Eligibility Criteria: Salaried: Indian nationals aged 21–60 with income > ₹20,000/month
      Self-Employed: Aged 21–65 with ITR > ₹6 lakhs/year
    • Required Documents: Identity Proof (e.g., PAN, Aadhaar, Passport), Address Proof (e.g., Utility bill, Aadhaar), Income Proof (e.g., salary slips, Form 16, ITR)
    • Limitations:
      Reward Caps: 500 points/month for Shoppers Stop, 1,000 for others
      Fee Triggers: 1% fee on second monthly rent payment; 1% markup on DCC (international currency conversion)
    • Why Choose HDFC Shoppers Stop Credit Card?
      Designed for fashion enthusiasts and frequent Shoppers Stop customers. Earn maximum rewards, enjoy exclusive sales, and benefit from milestone vouchers, fuel waivers, UPI integration, and EMI options.
    • How to Apply: Visit HDFC’s website or a Shoppers Stop store. Submit the online form, upload documents, and await verification.
      Tips: Maintain a good credit score, provide accurate documents, and show a stable income.
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Benefits of HDFC Shoppers Stop Credit Card

  • Welcome and Joining Benefits:
    • Shoppers Stop Welcome Voucher: Upon card activation, new cardholders receive a complimentary Shoppers Stop voucher worth ₹500, redeemable on any bill value at Shoppers Stop stores or online.
    • First Citizen Silver Edge Membership: Cardholders are enrolled into the First Citizen Silver Edge membership at no extra cost (worth ₹350), offering early access to sales previews and priority customer service.
  • Complimentary Membership Perks:
    • Sales Preview Access: Enjoy early access to Shoppers Stop's seasonal sales, helping you grab the best deals before they sell out.
    • Priority Services: Benefit from dedicated customer support channels, making your shopping experience smooth and personalized.
      • Voucher Usability:
      • Instant Redemption: The ₹500 welcome voucher can be used immediately without a minimum spend, perfect for any size of purchase—big or small.
      • Ease of Use: Whether online or in-store, the voucher reduces your upfront expenses effectively.
      • Reward Points Program:
      • Earn While You Shop: Earn 3% reward points on Shoppers Stop purchases (up to 500 points/month) and 1% on other spends (up to 1,000 points/month).
      • Easy Tracking: Points are credited directly to your Shoppers Stop account for hassle-free management and redemption.
      • Flexible Redemption Options:
      • Straightforward Value: 1 reward point = ₹1 when redeemed for Shoppers Stop vouchers, ensuring clear and valuable returns.
      • Other Options: Points can also be redeemed for merchandise, gift vouchers, or travel rewards via HDFC's catalogue. Points are valid for two years.
      • Maximizing Points with Strategic Spending: Focus on consolidating your Shoppers Stop purchases to hit the monthly cap of 500 points. Timing shopping during festive seasons or sales maximizes rewards and discounts.
      • Weekend Milestone Benefits: Earn a ₹500 voucher each month by making a single purchase of ₹15,000 or more at Shoppers Stop over the weekend (Friday–Sunday). Limited to once per month and five times per year.
      • Strategic Shopping for Maximum Rewards: A ₹15,000 weekend purchase not only earns a ₹500 voucher but also 450 reward points (worth ₹450), effectively reducing your net spend.
      • Fuel Surcharge Waiver for Everyday Savings: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle, saving up to ₹600 annually.
      • Seamless Fuel Transactions: The surcharge waiver applies automatically, adding convenience and savings without changing your habits.
      • Contactless Payments for Convenience: Make payments by tapping your card at POS terminals. No PIN is required for transactions up to ₹5,000 in India.
      • Ideal for On-the-Go Shopping: Contactless capability ensures faster checkouts and enhanced convenience during busy shopping hours.
      • UPI Integration for Modern Payments: Link the RuPay variant of this card to UPI apps for seamless Scan and Pay functionality at both online and offline merchants.
      • Benefits of UPI Transactions: UPI-linked payments retain standard rewards and waivers, enhancing flexibility for small and frequent purchases.
      • EMI Conversion for Big Purchases: Convert big-ticket spends into EMIs, making high-value purchases like fashion or home décor more affordable.
      • Financial Flexibility: Spread payments over time with post-purchase EMI conversion, particularly useful during festive or sale seasons.
      • Zero Liability on Lost Card: Enjoy zero liability for unauthorized transactions post-reporting of card loss to HDFC’s 24-hour helpline.
      • Prompt Reporting for Safety: HDFC ensures quick card blocking and replacement (₹100 fee), ensuring cardholder security.
      • Eligibility and Accessibility: Available to salaried individuals (21–60 years) with ₹20,000+ net monthly income or self-employed individuals (21–65 years) with ITR over ₹6 lakhs p.a.
      • Easy Application Process: Apply online via HDFC Bank’s website or at Shoppers Stop outlets. Simple documentation makes it accessible to many users.
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Steps to Apply for HDFC Shoppers Stop Credit Card

  • 1. Online Application:
    • Step 1: Visit HDFC Bank Website
      Go to www.hdfcbank.com and navigate to the “Credit Cards” section. Find the Shoppers Stop HDFC Bank Credit Card under co-branded cards.
    • Step 2: Check Eligibility
      Use the eligibility checker by entering your age, income, employment type, and city.
    • Step 3: Fill Application Form
      Click “Apply Now” and provide your full name, contact info, PAN, Aadhaar, employment details, income, and residential address.
    • Step 4: Upload Documents
      Upload scanned copies of identity, address, and income proof (PDF/JPEG format, under 2MB).
    • Step 5: Submit and Track
      Submit your form after reviewing it. You'll receive an application reference number for tracking via website or customer care.
  • 2. Offline Application:
    • Step 1: Visit a Shoppers Stop Store
      Go to the nearest Shoppers Stop outlet and visit the credit card counter or customer service desk.
    • Step 2: Request Application Form
      Ask for the Shoppers Stop HDFC Credit Card application. Staff may assist in filling it out.
    • Step 3: Submit Documents
      Submit physical copies of ID, address, income proof, and passport photos. Carry originals for verification.
    • Step 4: Verification
      HDFC Bank verifies your details once they receive your application from the store.
    • Step 5: Receive Confirmation
      Upon approval, you'll get an SMS/email confirmation. The card is delivered in 7–10 working days.
  • 3. Post-Application: Card Activation
    • Online Activation: Log in to HDFC NetBanking or mobile app, go to “Credit Cards” → “Activate Card”. Enter card details and set your PIN.
    • SMS Activation: Send “ACTIVATE <last 4 digits of card>” to the number in the welcome kit.
    • Customer Care: Call the HDFC helpline and follow the IVR instructions.
  • 4. UPI Setup for RuPay Cards:
    • Download a UPI app (e.g., Google Pay, PhonePe).
    • Add your HDFC RuPay Credit Card and verify with the card PIN.
    • Set UPI PIN and use the UPI ID for payments.

Eligibility Criteria for HDFC Shoppers Stop Credit Card

  • Nationality:
    • Applicants must be Indian nationals
  • Age:
    • 21-60 years for salaried individuals
    • 21-65 years for self-employed individuals
  • Income:
    • Salaried: Minimum net monthly income of ₹20,000
    • Self-Employed: Minimum annual income of ₹6 lakh as per ITR
  • Credit Score:
    • Good credit score preferred (750+ recommended)
    • No history of recent defaults or delinquencies
  • Employment/Business Stability:
    • Salaried: Preferably 1+ year with current employer
    • Self-Employed: Stable business/profession for at least 2 years
  • Documents Required:
    • Identity Proof: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License
    • Address Proof: Aadhaar, Passport, Voter ID, Utility Bill (within 3 months)
    • Income Proof:
      • Salaried: Salary slips (last 1-2 months), Form 16, 3-month bank statement
      • Self-Employed: Latest ITR (2 years), 3-month bank statement, business financials (if applicable)
    • Photograph: Recent passport-size photo (especially for offline application)
  • Application Process:
    • Online: Apply via HDFC Bank website with document upload
    • Offline: Apply at Shoppers Stop showroom or HDFC Bank branch
  • Approval Time:
    • Typically 7–14 working days post verification
  • Additional Considerations:
    • Existing HDFC Bank customers may receive faster approval
    • Low debt-to-income ratio improves chances of approval
  • Key Benefits on Approval:
    • 3% reward points on Shoppers Stop spends, 1% elsewhere
    • ₹500 welcome voucher
    • Milestone rewards worth up to ₹2,500 annually
    • Complimentary First Citizen Silver Edge membership
    • 1% fuel surcharge waiver (up to ₹250/month)
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Documents Required for HDFC Shoppers Stop Credit Card

  • Identity Proof (any one):
    PAN Card (mandatory for tax purposes)
    Aadhaar Card
    Voter’s ID Card
    Driving License
    Passport
  • Address Proof (any one):
    Aadhaar Card (with updated address)
    Utility Bill (Electricity/Water/Gas, not older than 3 months)
    Passport
    Driving License (with current address)
    Voter’s ID Card (with current address)
    Registered Rental Agreement
  • Income Proof:
    Salaried Individuals:
    Latest 1–2 salary slips (not older than 2 months)
    Last 3 months’ salary credit bank statements
    Latest Form 16 (if available)
    Appointment Letter (optional, for new employees)

    Self-Employed Individuals:
    Last 2 years’ Income Tax Returns (ITR)
    Last 6 months’ bank statements
    Financial statements (Profit & Loss, Balance Sheet) certified by CA
    Business Proof (e.g., GST registration, shop license)
  • Photographs:
    Two to three recent passport-sized color photographs
  • Application Form:
    Duly filled and signed application form (online or offline)
  • Additional Documents (if applicable):
    Appointment Letter / Employment Contract
    Business Registration Certificate
    Supplementary Card Holder’s ID & Relationship Proof (if applying for add-on card)
    Credit Report or CIBIL Score (if requested)

Factors of HDFC Shoppers Stop Credit Card Overview

  • Reward Points Structure: Earn 3% reward points on every transaction at Shoppers Stop, with a monthly cap of ₹500 worth of points. Non-Shoppers Stop purchases earn 1% reward points, capped at ₹1,000 per month.
  • Welcome Voucher: Upon activation, you receive a ₹500 Shoppers Stop voucher, redeemable on any bill value.
  • Milestone Rewards: Spend ₹15,000 or more at Shoppers Stop over a weekend (Friday to Sunday) and earn ₹500 monthly, capped at once per month and five times annually.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle.
  • Contactless Payments: Enjoy fast and secure transactions with contactless payment options, with PIN required for amounts above ₹5,000.
  • EMI Conversion: Convert large purchases into EMIs for greater financial flexibility.
  • Joining and Annual Fees: The joining fee is ₹299 + GST, and the same amount is charged annually as a renewal fee.
  • Interest and Charges: 3.6% per month (43.2% annually) interest rate on unpaid balances, along with other charges like a 2.5% cash advance fee.
  • Eligibility Criteria: Salaried individuals (21–60 years) with a net monthly income exceeding ₹20,000 and self-employed individuals (21–65 years) with annual income exceeding ₹6 lakhs are eligible to apply.
  • Required Documents: Submit identity proof, address proof, and income proof (recent salary slips or ITR) as required.
  • Complimentary Membership: Enjoy complimentary First Citizen Silver Edge membership, offering additional discounts at Shoppers Stop.
  • Security Features: Contactless and chip-enabled card, with zero liability on fraud post-reporting. Up to 3 lifetime free add-on cards available.
  • Application Process: Apply online via the HDFC website or offline at branches with identity, address, and income proof.
  • Limitations: Monthly caps on reward points may limit earnings for high spenders. No airport lounge access and restricted reward redemption outside Shoppers Stop.

Frequently Asked Questions

1. What are the exclusive benefits of the HDFC Shoppers Stop Credit Card?
Cardholders get 10X Reward Points on Shoppers Stop purchases, 5% back in Reward Points on other spends, welcome vouchers, and birthday gift vouchers.
2. How can I redeem Reward Points earned on this card?
Points can be redeemed only at Shoppers Stop stores or online via the Shoppers Stop app/website as discount vouchers (1 Reward Point = ₹0.25).
3. Is there an annual fee for this card?
Yes, there is an annual fee of ₹500 + GST, but it is waived if you spend ₹50,000 or more in the previous year.
4. Can I convert my Shoppers Stop purchases into EMIs?
Yes, the card offers No-Cost EMI options at Shoppers Stop, along with flexible tenure choices.
5. Do I get any welcome benefits with this card?
New cardholders receive a welcome voucher worth ₹500 on activation and first use at Shoppers Stop.
6. Is there a special birthday offer with this card?
Yes, you get a birthday voucher worth ₹500 from Shoppers Stop every year on your registered birth date.
7. Can I use this card for fuel purchases?
Yes, but fuel surcharge waiver applies only on transactions between ₹400 and ₹5,000 (1% surcharge waiver).
8. Does this card offer any lounge access benefits?
No, the HDFC Shoppers Stop Credit Card does not provide airport lounge access as it is primarily a retail-focused card.
9. How do I check my Reward Points balance?
You can check via HDFC Bank NetBanking, the MyCards app, or by calling customer care.
10. What happens if I don’t use my Reward Points for a long time?
Reward Points expire after 24 months from the date of earning if not redeemed.

List of HDFC Branches in Tamil Nadu

  • Sathyamangalam
  • Sivaganga
  • Sivakasi
  • Sriperumbudur
  • Tenkasi
  • Thanjavur
  • Theni
  • Thiruvallur
  • Thiruvarur
  • Tiruchengode
  • Tiruchirappalli (Trichy)
  • Tirunelveli
  • Tirupathur
  • Tiruppur
  • Tiruvannamalai
  • Tuticorin (Thoothukudi)
  • Udumalpet
  • Usilampatti
  • Vellore
  • Villupuram