Shoppers Stop HDFC Bank Credit Card- Eligibility & Apply Online

The Shoppers Stop HDFC Bank Credit Card is the perfect credit card for those individuals or people who tend to do a lot of shopping, as this HDFC credit card provides rewards for various types of spending. 

Let us see what the Shoppers Stop HDFC Bank Credit Card provides its cardholders in detail.

Fees and Charges

• Foreign Currency Markup: If you buy stuff in another country, there’s a fee of 3.5% on how much you spend (and some tax too).
• Interest Rates: If you borrow money, you pay 3.6% every month. That’s like 43.2% in a whole year.
• Fuel Surcharge: If you use your card to buy gas, you can get 1% of the fuel charge taken off (up to Rs. 250 each month) at all gas stations in India.
• Cash Advance Charges: If you take out cash with your card, it costs 2.5% of what you take. But you have to pay at least Rs. 500.

Shoppers Stop HDFC Bank Credit Card Details

• Free Shoppers Stop Membership: You get a free membership to Shoppers Stop when you get this card.
• Welcome Voucher: You’ll get a Shoppers Stop voucher for ₹500 as a welcome gift. You can use it on any bill.
• Fuel Surcharge Waiver: You won’t have to pay 1% extra for gas at all fuel stations (up to ₹250 each month).
• Points in Your Account: All the points you earn will show up in your Shoppers Stop account. You can only use them at their stores and online.

Rewards of Shoppers Stop HDFC Bank Credit Card

• Welcome Benefit: When you get this card, you’ll receive a voucher for Rs. 500. You can use it on any bill at Shoppers Stop.
• Milestone Benefits: If you spend at least₹15,000 at Shoppers Stop over the weekend, you earn₹500. You can only do this once a month and up to five times a year.
• Reward Benefits: You receive a complimentary Shoppers Stop membership. Earn 3% reward points on all your purchases at Shoppers Stop, with a maximum of ₹500 each month. You also earn 1% reward points on things you buy outside of Shoppers Stop (up to ₹1,000 each month).
• Reward Redemption: When you use your Reward Points for a Shoppers Stop voucher, each point is worth ₹1. If you want to use points for other vouchers, check HDFC Bank’s redemption catalog for the value.

Pros and Cons | Shoppers Stop HDFC Bank Credit Card

Pros

• You can use UPI payments by linking your RuPay credit card, which makes paying super easy.

Cons

• You can only use your Reward Points (First Citizen Points) at Shoppers Stop stores or their website.
• This card doesn’t have any golfing benefits, and you can’t use it for airport lounges in India or other countries.

Welcome Benefit of Shoppers Stop HDFC Bank Credit Card

• You get a voucher worth Rs. 500 from Shoppers Stop. You can use this voucher for any purchase at Shoppers Stop by showing the message when you pay.
• Just remember, you can only use this voucher if you pay with your Shoppers Stop HDFC Bank Credit Card.

Weekend Offer of Shoppers Stop HDFC Bank Credit Card

• You can earn Rs. 500 each month by spending Rs. 15,000 or more, but at Shoppers Stop during the weekend.
• The weekend is counted as Friday, Saturday, and Sunday.
• You can do this offer only once a month and up to five times a year.

Contactless Payment

• The Shoppers Stop HDFC Bank Credit Card allows for contactless payments, meaning you can pay quickly and securely at stores.
• Check for the symbol: To see if your card can do this, look for the contactless symbol on your card.
• Payment Limit: In India, you can pay up to ₹5,000 without having to enter your credit card PIN. If you want to pay ₹5,000 or more, you will need to enter your PIN for safety.

Fuel Benefits | Shoppers Stop HDFC Bank Credit Card

• You get a 1% fuel surcharge waiver, which means you won’t have to pay extra fees on gas purchases.
• This applies to all petrol-diesel pumps in India.
• You need to spend at least₹400 and no more than₹5,000 on gas.
• The most you can save is ₹250 each month.

Shoppers Stop HDFC Bank Credit Card | Eligibility Requirements

Here’s who is eligible to apply for the Shoppers Stop HDFC Bank Credit Card:

• For Self-Employed People
  • You should be a minimum of 21 years old and a maximum of 65 years old.
  • You need to show that you made at least Rs. 6 lakhs by submitting your Income Tax Return (ITR).
• For Salaried People
  • You must also be at least 21 years old, but you can be up to 60 years old.
  • You must earn at least Rs. 20,000 monthly.

Different Fee Details

• Lifetime Free Card: The Shoppers Stop HDFC Bank Credit Card is free forever, so you don’t have to pay any joining or annual fees.
• Interest Rate: The interest rate is 3.6% each month. This means if you don’t pay the amount you owe by the due date, you will be charged extra.
• Cash Advance Fee: If you take out cash with this card, it costs 2.5% of what you take out, but you have to pay at least ₹500.
• Forex Markup Fee: If you use your card to buy stuff in another country, there’s a fee of 3.5% on the money you spend.

HDFC Bank Credit Card Activation Guidelines

Objective:

• You need to activate your HDFC Bank Credit Card within 37 days after you get it. This is a rule from the Reserve Bank of India (RBI). If you do not activate it, the bank will shut down your account.

How to Activate Your Card:

• Setting Your Credit Card PIN:
  • Through IVR: You can call the number 1860 266 0333 to set a 4-digit PIN for your card. Just say your card number, get a code on your phone (OTP), and then pick your PIN.
  • Through Net Banking: If you have an HDFC savings or salary account, log in to Net Banking, go to Cards, and choose Change PIN to set your new PIN.
• Enabling online and international transactions:
  • Through MyCards: You will have to visit Mycards.hdfcbank.com, log in using OTP, and link your credit card. Click on “Card Control” to turn on online, contactless, and international transactions.
  • Through WhatsApp Banking: Save the number 7070022222 and send a message saying “Manage My Credit Card” to enable features.
  • Through Eva: Click here to chat with Eva and choose what you want to enable.
• Using Your Credit Card:
  • Just use your card for at least one online or in-store purchase to activate it.
• SmartPay Registration:
  • Add billers to your HDFC Bank credit card and sign up for SmartPay by providing standing instructions.

Conclusion

The Shoppers Stop HDFC Bank Credit Card is a great choice for people who love shopping. It provides various rewards, such as a welcome voucher and fuel surcharge. exemptions, and points for shopping at Shoppers Stop. With no annual fees and special benefits for weekend spending, it makes shopping even more fun. However, remember that the rewards can only be used at Shoppers Stop, and the card must be activated within 37 days to keep it. Overall, it’s a handy card for shoppers who want to save money and earn rewards while spending.

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