Our Money Guide
HDFC Bank Shoppers Stop Credit Card

Pros and Cons of Shoppers Stop HDFC Bank Credit Card

Pros

  • Lifetime free card
  • Complimentary Shopper Stop membership

Cons

  • Comparatively low reward rate on most card spends

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Cashback Rates 1% – 5%

1% – 5%

1.5% – 5%

2% – 5%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge Waiver
Annual Fee ₹1,000 + Applicable Taxes

No Annual Fees

₹500

₹499

Annual Fee Offers Annual Fee Reversal on meeting ₹1,00,000 spends

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Annual fee waived off on annual spends greater than ₹. 2,00,000.

Minimum Income Not Specified

Not Specified

Not Specified

Not Specified

Features & Benefits of Shoppers Stop HDFC Bank Credit Card

2.40% reward on Shoppers Stop Private Label Brand purchases

0.80% reward on all other Shoppers Stop brands || all other card purchases

You earn 1.33 First Citizen Points worth ₹0.80 (80 paise), on every ₹100 you spend.

1 First Citizen Point = ₹0.60 or 60 paise. First Citizen Points will reflect in your Shoppers Stop membership account, and can be redeemed on shopping at all Shoppers Stop Stores.

Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment.

Additional benefits upto 0.6% (milestone benefits)

You get 2000 First Citizen Points worth ₹1200, at annual card spend of ₹2 lakhs – 0.6% benefit

Fuel surcharge waiver upto ₹250 per month

HDFC Bank customer care number

Zero lost card liability

Shoppers Stop HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining feeLifetime free
Renewal fee from 2nd year onwardsLifetime free

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : Net monthly income of ₹20,000 per month || Self-employed : ₹6 lakhs per year
Credit scoreNot specified, a minimum credit score of 750 is generally preferred

How To Apply & Track Your Application Status ?

Step-by-step guide –

Online application process 
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit your application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi” 
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Approval timeline and tracking your application statusIn most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Click here to track the status of your HDFC Bank Credit Card application.
– You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

You maybe required to provide additional documents, on a case-to-case basis.
Apply Now

on HDFC Bank website

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