Card Benefits
Key benefits available with this card.
3% Rewards at Shoppers Stop
Earn 3% reward points on every Shoppers Stop purchase (capped at 500 reward points per calendar month).
1% Base Everyday Rewards
Earn 1% reward points on non-Shoppers Stop retail spends (capped at 1,000 reward points per calendar month).
Shoppers Stop Silver Edge Membership
Receive a complimentary Shoppers Stop Silver Edge Membership worth ₹350 as a welcome benefit.
₹500 Shoppers Stop Voucher
Get a ₹500 Shoppers Stop discount voucher on card activation, redeemable on any bill value.
1:1 Redemption on Shoppers Stop
Redeem reward points at 1:1 ratio (1 Reward Point = ₹1) against Shoppers Stop shopping vouchers.
Smart EMI Facility
Convert purchases into easy and flexible monthly installments through HDFC Bank Smart EMI.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across fuel pumps in India (capped at ₹250 per statement cycle).
Welcome / Free Offer
Shoppers Stop discount voucher worth ₹500 on card activation and complimentary Shoppers Stop Silver Edge Membership worth ₹350.
Value up to ₹850
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Shoppers Stop Purchases | 3.0000 points / ₹100 | Earn 3% reward points on Shoppers Stop spends. Capped at 500 Reward Points per month (1 RP = ₹1 for Shoppers Stop vouchers). |
| Non-Shoppers Stop Spends | 1.0000 points / ₹100 | Earn 1% reward points on general retail spends. Capped at 1,000 Reward Points per month. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions on fuel, wallet reloads, cash advances, and EMI conversions do not earn reward points. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| Shoppers Stop Vouchers | ₹1 | 1 Reward Point = ₹1 when redeemed against Shoppers Stop shopping vouchers. |
| Product Catalogue & Air Miles | ₹0.25 | 1 Reward Point = up to ₹0.25 when redeemed for items in the product catalogue or converted to air miles. |
| Statement Cashback & SmartBuy | ₹0.2 | 1 Reward Point = ₹0.20 when redeemed for cashback or travel bookings via the SmartBuy portal. |
Airport Lounge Access
Fuel Surcharge Waiver
Current Offers & Promotions
₹500 Shoppers Stop Voucher
Active₹500 Voucher
Maximum benefit: 500.00
Shoppers Stop discount voucher worth ₹500 credited on card activation, redeemable on any bill value.
Silver Edge Membership
Active₹350 Value
Maximum benefit: 350.00
Complimentary Shoppers Stop Silver Edge Membership provided upon card setup.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹20,000 / month
₹600,000 / year ITR
700+
New-to-Credit: Allowed for Salaried & Self-Employed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried and Self-employed. Salaried Income: ₹20,000/monthly. Self-Employed: ITR > ₹6 Lakhs/annum. Credit Score: 700+. New-to-credit applicants are allowed for both salaried and self-employed.
Income: Salaried: ₹20,000 per month. Self-employed: Annual ITR > ₹6,00,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 700+ required.
Documents Needed
Fees & Charges
₹299
₹299 + GST
Pros
• Low annual fee of ₹299 + GST
• Welcome perks worth ₹850 (₹500 voucher + ₹350 Silver Edge membership) exceed the joining fee
• 3% reward points on Shoppers Stop purchases with 1:1 redemption value on store vouchers
• 1% reward points on non-Shoppers Stop purchases
• Accessible income criteria (₹20,000/month salary) and open to New-to-Credit applicants
• 1% fuel surcharge waiver up to ₹250 per month
Cons
• Low reward earning caps (500 points/month for Shoppers Stop and 1,000 points/month for other spends)
• Low redemption value (₹0.20 to ₹0.25 per point) if redeemed outside Shoppers Stop vouchers
• No complimentary airport lounge access
• No spend-based annual fee waiver threshold