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HDFC Bank
Three per cent back at Shoppers Stop on a Rs. 299 card, with points that redeem at face value there.
One-time
Per year
Uncapped rewards
Score 700+
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
3% on Online shopping — 3% back as Reward Points on Shoppers Stop spends, capped at 500 points a month., with no stated cap.
Biggest limitation
Earning is capped hard: 500 Reward Points a month on Shoppers Stop and 1,000 a month on everything else. A large purchase does not earn proportionally.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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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.
3%
uncappedOnline shopping
3% back as Reward Points on Shoppers Stop spends, capped at 500 points a month.
1%
uncappedEverything else
1% back as Reward Points on all other spends, capped at 1,000 points a month.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹299 | — |
| Annual / renewal fee | ₹299 | No spend-based waiver is published. The Rs. 299 + GST renewal fee is charged from the second year. |
| Add-on card | Not published by HDFC Bank for this card. Confirm on the card MITC before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | Not published by HDFC Bank in the summary for this card. The slab table is in the card MITC. | — |
| 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
₹500
of one-time welcome value, on top of what you earn
Every year after
₹299 a year
charged with no published way to avoid it
Not offered on this card. The Shoppers Stop Black variant carries lounge access.
1% waiver. 1% fuel surcharge waiver, capped at Rs. 250 per statement cycle. Fuel spends earn no Reward Points.
UPI credit-card linking is available only on RuPay credit cards.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
Shoppers Stop voucher worth Rs. 500 on card activation.
Spend ₹15,000 a year — about ₹1,250 a month
Rs. 500 back on a minimum Shoppers Stop weekend purchase of Rs. 15,000 in a month. Capped monthly and limited to five times a 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 |
|---|---|---|---|
| HDFC Shoppers Stop Credit Card · this card | ₹299 | 3% online shopping | No |
| 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.
₹299 plus GST, with no published spend-based waiver.
The strongest published rate is 3% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Shoppers Stop vouchers, at 1 point = Re. 1, HDFC Bank rewards catalogue, at a lower rate
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.
No. The Rs. 299 Shoppers Stop HDFC card has no complimentary lounge visits. Lounge access comes with the Shoppers Stop Black variant, at a much higher fee.
3 reward points per Rs. 100 on online shopping and 1 per Rs. 100 elsewhere, a Rs. 500 Shoppers Stop voucher on activation, and Rs. 500 back on a Shoppers Stop weekend purchase of Rs. 15,000 in a month (up to five times a year). Points are worth Re. 1 each when redeemed for Shoppers Stop vouchers.
Re. 1 when redeemed for Shoppers Stop vouchers; redeemed anywhere else, about Rs. 0.20 to Rs. 0.25. The card only makes sense if you shop at Shoppers Stop.
Rs. 299 plus GST as the joining fee and from the second year. Revolved balances attract up to 3.75% a month, cash withdrawals 2.5% (minimum Rs. 500), and the fuel surcharge waiver is 1% capped at Rs. 250 a cycle.
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.
HDFC Shoppers Stop Credit Card — 3% on online shopping. ₹299 a year.