HDFC Bank • Lifetime free, and it pays you back at Shoppers Stop
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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This lifetime free co-branded card is a simple proposition: if you shop at Shoppers Stop, it adds a small layer of value on top of the store's own First Citizen programme. Private label brands earn 6 First Citizen Points per Rs 150, everything else at Shoppers Stop and other category spends earns 2 points per Rs 150, and each point is worth 60 paise at Shoppers Stop. Spending Rs 2 lakh in a year adds a milestone of 2,000 First Citizen Points. There is no fee at all, a Rs 500 welcome voucher on Rs 3,000 of shopping, and a 1% fuel surcharge waiver up to Rs 250 per statement cycle. The caps are tight, especially the 500 points a month limit on private label spends, so this is a small and steady earner for loyal Shoppers Stop shoppers rather than a main spending card.
The 6 points rate applies only to Shoppers Stop private label brands and is capped at 500 First Citizen Points per month. Grocery spends accrue points up to a cap of 1,000 points per month, and no points are earned on rental and government category payments. A 1% fee applies on rental transactions from the second rental transaction in a calendar month, and a 1% markup applies on international transactions billed in Indian rupees. Fuel and wallet spends earn no points.
Last verified against MITC: 21 October 2026 • View official MITC →
Yes. As per HDFC Bank's product page, the card is lifetime free with no joining or annual fee.
1 First Citizen Point is worth 60 paise when redeemed at Shoppers Stop stores or on its online platform.
You earn 2,000 First Citizen Points on spending Rs 2 lakh in a year.
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