Shoppers Stop HDFC Bank Credit Card
3% Shoppers Stop point earn, valued at ₹0.20 per point for statement cash.
Try your spend →How this estimate works
The Shoppers Stop HDFC Bank Credit Card earns 3% of eligible Shoppers Stop purchases in reward points, capped at 500 points/calendar month; other eligible purchases earn 1%, capped at 1000 points/month. The purchase must be at least ₹150. The special Shoppers Stop chip assumes a recognized store or official-site transaction. This cash-only estimate values points at ₹0.20 toward statement credit after a 500-point minimum, rather than the issuer's ₹1/point Shoppers Stop voucher option. It assumes one qualifying purchase per month, one redemption after one year, deducts one ₹50 plus estimated GST cash-redemption fee, then deducts the ₹299 plus estimated GST first-year joining fee separately. If fewer than 500 points accrue in the first year, this model assigns zero first-year redemption value even though points last two years. Fuel, supermarkets/groceries, wallet, rent, government, tax, EMI and insurance earn zero here. Store weekend offer, welcome voucher, loyalty membership, lounge and fuel surcharge waiver values are not counted.
Issuer terms
Issuer card and redemption · Issuer fee · Issuer reward terms
Terms checked 29 September 2026. Cash redemption is not the higher-value Shoppers Stop voucher option.