Shoppers Stop HDFC Bank Credit Card

Interest-free period

• Interest free (grace) credit period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · harvested from product page · 2026-07-30 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5000.
• Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).

Verified · harvested from product page · 2026-07-30 · source

Redemption value

• 1 Reward Point = Re 1 when redeemed against Shoppers Stop vouchers.
• Other options: Product Catalogue up to 0.25, Cash Back 0.2, Airmiles 0.25, Unified SmartBuy (Flights/Hotels) 0.2.
• Min redemption vs statement balance: 500 Reward Points.
• Statement credit rate: 1 RP = ₹0.2 with ₹50 redemption fee (w.e.f 1 Aug 2024).
• Reward catalogue redemption handling charge: ₹99 + Taxes.
• Reward Point validity: 2 years.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Reward cap

• 3% category monthly cap: 500 Reward Points.
• 1% category monthly cap: 1000 Reward Points.
• Cardholder can earn up to 500 Reward Points under the 3% feature on Shoppers Stop spends per month.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Reward exclusion

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Award example

• Example (billing cycle 15 Jan'24 to 14 Feb'24): ₹3,000 Shoppers Stop purchase earned 90 RP (3% category).
• ₹2,000 apparel online earned 20 RP (1%).
• ₹15,000 rent earned NA (excluded MCC).
• ₹25,000 electronics earned 250 RP (1%).
• ₹17,000 weekend Shoppers Stop purchase earned 910 RP (500 RP weekend benefit + 410 RP to hit 500 monthly cap).
• Total ₹58,000 spends = 1,080 Reward Points.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Milestone benefit

• Weekend offer: Earn ₹500 (per month) for a single purchase of ₹15,000 or above on Shoppers Stop over the weekend (Friday, Saturday and Sunday).
• Capped to a maximum of once in a month and 5 times in a year.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Transfer rule

• For redemption against Flights and Hotels via SmartBuy, up to 50% of booking value can be redeemed through Reward Points.
• Rest paid via HDFC Bank Credit Card.
• Flights & hotels redemption capped at 50,000 RP per calendar month (w.e.f 1 Jan 2023).
• Reward Point redemption capped at 50,000 RP per calendar month (w.e.f 1 Feb 2023).
• Up to 70% of product/voucher value redeemable on select vouchers/products (w.e.f 1 Feb 2023).
• Unredeemed points lapse after 2 years.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Dining benefit

• Complimentary Shoppers Stop Silver Edge membership worth ₹350 as soon as the customer receives the card.
• Customers earn First Citizen Reward Points as a Shoppers Stop Silver member over and above the card features.

Verified · Terms & Conditions (incl. Reward Point T&Cs) - Shoppers Stop HDFC Bank Credit Card · 2026-07-30 · source

Eligibility

• Individuals above the age of 21 years can apply for the Shoppers Stop HDFC Bank Credit Card.
• Based on the Bank's internal policy, the potential customer will be given the right card.

Verified · Shoppers Stop HDFC Bank Cobrand Credit Card - FAQs (incl. reward redemption values) · 2026-07-30 · source