Loading page
Loading card
HDFC Bank
The ultimate co-branded premium shopping card offering up to 20 First Citizen Points per ₹100 spent at Shoppers Stop.
One-time
Waived on ₹4,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from HDFC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
20% on Online shopping — 20 First Citizen Points per Rs. 100 on Shoppers Stop private label brands., with no stated cap.
Biggest limitation
First Citizen Points are a Shoppers Stop currency — they redeem there and nowhere else, under that programme's own rules.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
20 pts
uncappedOnline shopping
20 First Citizen Points per Rs. 100 on Shoppers Stop private label brands.
2 pts
uncappedEverything else
2 First Citizen Points per Rs. 100 on all other retail spends. Regular brands at Shoppers Stop earn 10 per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹4,500 | — |
| Annual / renewal fee | ₹4,500 | Renewal fee of Rs. 4,500 + GST is waived on annual spends of Rs. 4,00,000 or more. |
| Add-on card | Complimentary First Citizen Black add-on cards for immediate family | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of cash withdrawn, minimum ₹500 per transaction |
| Late payment | Nil up to ₹100; ₹100–₹1,300 slab-based for higher outstanding | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹5,000
of one-time welcome value, on top of what you earn
Every year after
₹4,00,000 a year
is what it takes to keep the ₹4,500 fee off — about ₹33,333 a month
1% waiver. 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500 per statement cycle.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹5,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Shoppers Stop voucher package worth ₹5,000 awarded upon payment of joining fees
Spend ₹4,00,000 a year — about ₹33,333 a month
Annual fee waiver (Spend ₹4,00,000 or more in membership year)
Spend ₹2,00,000 a year — about ₹16,667 a month
Milestone Gift Card worth ₹2,000 (Awarded on reaching ₹2,00,000 spending within a membership year)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Shoppers Stop Black HDFC Bank Credit Card · this card | ₹4,500 | 20% online shopping | Included |
| Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹4,500 plus GST, waived on ₹4,00,000 of annual spend.
The strongest published rate is 20% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Unlimited complimentary domestic lounge access for primary cardholder
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No points on fees, finance charges, cash withdrawals, or dynamic conversion transactions No reward points on fuel, wallet load, rent, cash advance, and government payments
HDFC Bank publishes about ₹1,50,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed at Shoppers Stop under the First Citizen programme
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Complimentary domestic airport lounge access, as published under the card's travel benefits.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Shoppers Stop Black HDFC Bank Credit Card — 20% on online shopping. ₹4,500 a year.