Key facts
- Joining fee
- ₹299
- Annual fee
- ₹299. HDFC doesn't publish a spend-based waiver.
- Welcome benefit
- ₹500 Shoppers Stop voucher (sent on WhatsApp, used in store with this card) and First Citizen Silver Edge membership worth ₹350
- At Shoppers Stop
- 3% in reward points on Shoppers Stop store and website spends, capped at 500 points a month
- Elsewhere
- 1% in reward points, capped at 1,000 points a month. Minimum transaction ₹150.
- Weekend bonus
- ₹500 in points for a single purchase of ₹15,000 or more on Friday to Sunday, once a month, up to 5 times a year
- Point value
- ₹1 each against Shoppers Stop vouchers; ₹0.20 each as statement credit (₹50 fee, minimum 500 points)
- No points on
- Wallet loads, rent, government, fuel, supermarkets, tax, EMI and insurance
- Lounge access
- None
- Fuel
- 1% surcharge waiver, up to ₹250 a cycle
- Forex markup
- 3.5% + GST
- Eligibility
- Salaried 21–60 with ₹20,000 a month, or self-employed 21–65 with ITR above ₹6 lakh
Checked against HDFC Shoppers Stop card page, Shoppers Stop card T&C, HDFC KFS and MITC on 28 Oct 2026. Fees exclude 18% GST.
Good
- Welcome benefits worth more than the fee
- 3% back at Shoppers Stop when taken as vouchers
- RuPay, so it works on UPI
Watch out
- Points worth only ₹0.20 as statement credit
- Shoppers Stop earning capped at 500 points a month
- No published fee waiver
- No lounge access
What it's worth
In year one you get a ₹500 voucher and Silver Edge membership for a ₹299 fee. After that, ₹5,000 a month at Shoppers Stop earns 150 points, worth ₹150 in Shoppers Stop vouchers, up to the 500-point monthly cap. Take the points as statement credit instead and they're worth a fifth as much, minus a ₹50 fee.
The catch
Some older posts, including ours, described this as a lifetime-free card with a private-brand bonus. HDFC's current terms show a ₹299 annual fee and a flat 3% on all Shoppers Stop spends. There's no extra tier for private brands.
Who it suits
Regular Shoppers Stop customers who will redeem points as Shoppers Stop vouchers. Everyone else will get more from a general cashback card such as SBI Cashback.
Applying
After the online form, most banks ask for a short video KYC call. Keep your original PAN card, a white sheet of paper and a pen ready. Here's how to get through it first time, and how to resume if you stopped midway.