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Guide

How to Apply for the HDFC Shoppers Stop Credit Card

Renish Mithani's profile photo Renish Mithani
3 min read
Reviewed by Darshil Chauhan Last reviewed 13 October 2026 Data verified 13 October 2026
HDFCShoppers StopShoppingRewardsLifetime Free

The HDFC Shoppers Stop Credit Card is a lifetime-free co-branded card for Shoppers Stop shoppers. You earn 5 reward points per ₹150 on Shoppers Stop purchases, 2 reward points per ₹150 on all other retail, and 1% fuel surcharge waiver. A ₹500 milestone voucher is added on ₹50,000 quarterly spend. The card is best for regular Shoppers Stop shoppers.

Why this matters

If you spend ₹5,000 a month at Shoppers Stop, the 5X gives you 167 points a month. That is 2,004 points a year. The card costs nothing to hold.

Why this card

The HDFC Shoppers Stop card is free for life. There is no joining fee, no annual fee, and no spend target. If you shop at Shoppers Stop regularly, you earn 5X on every purchase with no effort.

How to Apply for the HDFC Shoppers Stop Credit Card

Application details Total time: 10 min · You’ll need: PAN card, Aadhaar number, mobile number.

  1. Check if you qualify — You must be 21–60 years old, an Indian resident, with a minimum monthly income of ₹20,000. A CIBIL score of 720 or more helps.

  2. Apply online — Visit hdfcbank.com → Cards → Credit Cards → Shoppers Stop. The application is also available at shoppersstop.com → My Account → Credit Cards.

  3. Fill in your details — Enter your name as on PAN, PAN number, Aadhaar number, mobile, email, address, employment details, and monthly income.

  4. Complete Aadhaar eKYC — Submit your Aadhaar number and enter the OTP sent to your registered mobile. This verifies your identity and address electronically within 60 seconds.

  5. Submit and save your reference number — Submit the form and save the 12-digit application reference number. Track the status in SmartHub. Approval takes 5–10 working days.

  6. Receive and activate your card — The card is delivered within 5 working days of approval. Activate it via IVR, SmartHub, or any HDFC ATM using a 4-digit PIN.

  7. Use the card at Shoppers Stop — Earn 5 reward points per ₹150 at Shoppers Stop stores and shoppersstop.com. The 5X is capped at 5,000 points per month.

  8. Chase the quarterly milestone voucher — Spend ₹50,000 in a quarter to earn a ₹500 gift voucher. Track your progress in SmartHub under Milestones.

Common mistakes to avoid

  • Shopping outside Shoppers Stop — Non-Shoppers Stop purchases earn only 2X. Track your spending to make sure you are getting the 5X benefit.
  • Hitting the 5,000-point monthly cap — The 5X is capped at 5,000 points per month. Going above this earns 2X on the rest.
  • Forgetting the quarterly milestone — You must claim the ₹500 voucher within 60 days of the quarter end. Set a reminder.

Pro tips

  • Use the card only at Shoppers Stop — This maximises the 5X earn rate.
  • Track your points cap in SmartHub — Once you hit 5,000 points in a month, switch to another card for the rest of the month.
  • Pair with HDFC Millennia for online shopping — The Shoppers Stop card is for in-store and shoppersstop.com. Use Millennia for everything else.
  • Claim your quarterly voucher on time — The ₹500 voucher must be claimed within 60 days of the quarter end.

Frequently asked questions

Is HDFC Shoppers Stop lifetime free?

Yes. There is no joining fee, no annual fee, and no fee waiver target. The card stays free for life.

What is the 5X cap?

5X reward points on Shoppers Stop purchases are capped at 5,000 points per calendar month. After that, you earn 2X.

Does the 5X apply outside Shoppers Stop?

No. The 5X is restricted to Shoppers Stop purchases. All other retail earns 2X.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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