Card Benefits
Key benefits available with this card.
7% Value-Back at Shoppers Stop
Earn 7% reward points on all your Shoppers Stop purchases. Maximum cap of 2,000 reward points per month.
2% Base Rewards
Earn 2% reward points on everyday non-Shoppers Stop retail spends. Maximum cap of 2,000 reward points per month.
Complimentary Black Membership
Get a complimentary Shoppers Stop Black Membership (worth ₹4,500) as a welcome benefit.
₹1,500 Discount Voucher
Receive a Shoppers Stop discount voucher worth ₹1,500 as an introductory welcome gift.
1:1 Point Redemption
Redeem your accumulated reward points against Shoppers Stop vouchers at an excellent 1:1 ratio (1 Reward Point = ₹1).
Premium Airport Lounge Access
Enjoy 16 complimentary domestic airport lounge visits per year and 8 complimentary international lounge visits per year.
1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across petrol pumps in India (capped at ₹500 per month).
Welcome / Free Offer
Complimentary Shoppers Stop Black Membership (worth ₹4,500) and a Shoppers Stop discount voucher worth ₹1,500.
Value up to ₹6,000
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Shoppers Stop Spends | 7.0000 points / ₹100 | Earn 7% reward points on Shoppers Stop purchases. Capped at a maximum of 2,000 Reward Points per month. |
| Non-Shoppers Stop Spends | 2.0000 points / ₹100 | Earn 2% reward points on other eligible everyday retail spends. Capped at a maximum of 2,000 Reward Points per month. |
| Excluded Categories | 0.0000 points / ₹100 | Fuel, EMI conversions, wallet loads, and cash advances do not accrue reward points. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| Shoppers Stop Vouchers | ₹1 | 1 Reward Point = ₹1 when redeemed for Shoppers Stop vouchers. |
| Air Miles / SmartBuy Travel | ₹0.5 | 1 Reward Point = ₹0.50 when converted to Air Miles or redeemed for travel bookings on SmartBuy. |
| Product Catalogue | ₹0.35 | 1 Reward Point = ₹0.35 when redeemed against the HDFC rewards product catalogue. |
| Statement Cashback | ₹0.2 | 1 Reward Point = ₹0.20 when redeemed as direct cash credit against statement balance. |
Airport Lounge Access
Domestic Airport Lounge
16 visits per year (Max 4/quarter) · Domestic
16 complimentary visits to domestic airport lounges per calendar year (capped at 4 visits per quarter).
International Airport Lounge
8 visits per year (Max 2/quarter) · International
8 complimentary visits to international airport lounges per calendar year (capped at 2 visits per quarter).
Fuel Surcharge Waiver
Current Offers & Promotions
Complimentary Black Membership
Active₹4,500 Value
Maximum benefit: 4500.00
Receive a complimentary Shoppers Stop Black Membership worth ₹4,500 on card issuance.
Shoppers Stop Discount Voucher
Active₹1,500 Voucher
Maximum benefit: 1500.00
Get a Shoppers Stop discount voucher worth ₹1,500 redeemable on any bill value at Shoppers Stop.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹70,000 / month
₹840,000 / year ITR
720+
Check issuer criteria
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Salaried Income: ₹70,000/monthly. Self-Employed: ITR > ₹8.4 Lakhs/annum. A good credit score is required.
Income: Salaried: ₹70,000 per month. Self-employed: Annual ITR > ₹8,40,000.
Employment: Salaried and Self-employed Indian residents.
Documents Needed
Fees & Charges
₹4,500
₹4,500 + GST
Pros
• Extremely rewarding for Shoppers Stop loyalists (7% value-back)
• 1:1 redemption ratio for Shoppers Stop vouchers
• Outstanding welcome benefits covering the joining fee completely
• Excellent airport lounge access (16 domestic, 8 international visits per year)
• 2% base reward rate on non-partner spends is quite decent
Cons
• High annual fee of ₹4,500 with no annual spend-based waiver
• Reward earning is strictly capped at 2,000 points per month for both accelerated and base categories
• Reward points drop drastically in value if not redeemed for Shoppers Stop vouchers