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Guide

How to Apply for the HDFC Shoppers Stop Credit Card in 2026

Renish Mithani's profile photo Renish Mithani
3 min read
Reviewed by Darshil Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

The HDFC Shoppers Stop Credit Card is a co-branded lifetime-free card for Shoppers Stop shoppers. It offers 5 reward points per ₹150 on Shoppers Stop purchases, 2 reward points per ₹150 on all other retail, 1% fuel surcharge waiver, and a milestone voucher of ₹500 on spends of ₹50,000 in a quarter. The card is targeted at users who shop at Shoppers Stop regularly.

Why this matters

If you spend ₹5,000/month at Shoppers Stop, the 5X gives you 167 points/month. The card is a strong choice for users who shop at Shoppers Stop for fashion and accessories. The card is open to non-HDFC customers.

How to Apply for the HDFC Shoppers Stop Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the co-branded HDFC Shoppers Stop Credit Card and earn 5X reward points on Shoppers Stop purchases. Eligibility, fees, and walkthrough.

  1. Check Shoppers Stop card eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
  2. Apply online via HDFC website or Shoppers Stop — Visit hdfcbank.com → Cards → Credit Cards → Shoppers Stop. The application is also available on shoppersstop.com → My Account → Credit Cards.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in SmartHub. Approval takes 5–10 working days.
  6. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, SmartHub, or at any HDFC ATM by setting a 4-digit PIN.
  7. Use on Shoppers Stop for 5X — Use the card at Shoppers Stop stores and shoppersstop.com to earn 5 reward points per ₹150. 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 progress in SmartHub under Milestones.

Common mistakes to avoid

The 5X is restricted to Shoppers Stop purchases — non-Shoppers Stop stores earn only 2X. The 5X is also capped at 5,000 points per month. Going above the cap earns 2X on the rest.

Pro tips

  • Use the card at Shoppers Stop to maximise 5X
  • Track the 5,000 points/month cap in SmartHub
  • Pair with HDFC Millennia for online shopping
  • Chase the ₹500 milestone voucher with a quarterly spend of ₹50,000

Frequently asked questions

Is HDFC Shoppers Stop lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 5X cap?

5X on Shoppers Stop is capped at 5,000 points per month.

Does the 5X apply to non-Shoppers Stop stores?

No. The 5X is restricted to Shoppers Stop purchases.

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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