Shoppers Stop HDFC Bank Credit Card
Shoppers stop HDFC Bank is a decent credit card in the market which is good for those who frequently do shopping over shoppers stop. It offer 3% value back reward rate on shoppers stop and 1% on other spends including groceries and departmental stores. Apart from this it offer Silver Edge Membership which give extra little advantages to its cardholder. The reward rate on this card is little low on other spends which is 1% and also if you redeem reward rate other than shopper stops it will be 1 RP=0.25. Please read below article for detail analysis of this credit card.
JOINING FEE
Rs.299+GST
RENEWAL FEE
Rs.299+GST
REWARDS &CASHBACK
3% Reward Point on Every Shoppers Stop spends and 1 % on Non Shoppers stop spends.
Key Features of HDFC Bank Pixel Play Credit Card
Reward Benefits
- Get 3% Reward points on every ₹150 on online/ offline shoppers stop spends. Maximum 500 RP can be earned in a month.
- Get 1% Reward points on every ₹150 on Non- shoppers stop spends. Maximum 1000 RP can be earned in a month.
- No Reward Points on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances. Bakeries, Insurance, Package store, Beer, Wine, Liquor.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel station across India. Maximum waiver of Rs.250 per statement cycle.
Weekend Benefits
- You will earn ₹500 on shopping of ₹15000 or above on weekend. Weekend offer is capped to maximum once in a month and 5 times in a year. Friday, saturday, sunday will be counted as weekend.
Welcome Benefits
- You will get Shoppers Stop voucher of worth ₹500 as a welcome benefits, redeemable at shoppers stop store or online by making payment through shoppers stop HDFC Bank Credit Card.
Shoppers Stop Silver Edge Membership
- You will get Shoppers Stop First Silver Edge membership. This membership offers with this card which allow to earn Reward points. You will earn 2 reward points on every ₹200 spend on above the reward points earned using this card.
- You will get 30 days Exchange period, 500 Bonus Enrolment points, Free Home delivery and many more.
Reward Redemption
- The earned Reward points if you redeemed on shoppers stop online/offline you will get value of 1 Reward point = ₹1. For others it is mention below so it is advisable use your reward point against shoppers stop only if you want good valuye return.
| Redemption | Rewward Point value |
|---|---|
|
Product Catalouge |
₹0.25 |
|
Cashback |
₹0.2 |
|
Airmiles |
₹0.25 |
|
Unified SmartBuy (Flights/Hotels) |
₹0.2 |
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
Eligibility Criteria
| Criteria | Salaried Individuals | Self Employed Individuals |
|---|---|---|
|
Age |
21-60 Years |
21-65 Years |
|
Income |
More than ₹20000 Per month |
ITR should be 6 lakh or more |
- Final Thoughts
HDFC Shoppers Stop credit card is a suitable choice for the customer who do frequent shopping on shoppers stop and looking decent entry level credit card. Since it is co-branded credit card offer reasonable 3% reward rate and other welcome benefits. Earlier this credit card use to lifetime free but now it is chargeable of ₹299+GST. This credit card if you get in Rupay variant then you can link with UPI and use it. By paying little more you can get much better credit card than this one.
- Frequently Asked Questions
Does Shopper stop HDFC Bank credit card offer lounge benefits?
No, it does not offer any lounge benefits.
Does Shoppers stop HDFC Bank credit card have annual fee waiver?
No, it does not have any criteria for annual fee waiver.