Fees & charges
| Joining fee | ₹4,500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹4,500 + applicable taxes |
| Renewal-fee waiver | Not stated on HDFC's page |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | 7% Reward Points on every Shoppers Stop spend; 2% Reward Points on every non-Shoppers Stop spend (points valid 2 years) |
|---|---|
| Welcome benefit | ₹1,500 Shoppers Stop welcome voucher (redeemable on any transaction at Shoppers Stop) + complimentary Shoppers Stop First Citizen Black membership |
| Lounge access | 16 domestic lounge visits/year (4 per quarter) + 8 international lounge visits/year (2 per quarter) |
| Key benefits | Co-branded shopping card: 7% rewards at Shoppers Stop / 2% elsewhere, ₹1,500 welcome voucher, First Citizen Black membership, domestic + international airport lounge access, and 1% fuel surcharge waiver (up to ₹500/statement cycle). |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 4,500MITC v4.3, fee table L385-396 | ₹4,500 + applicable taxes | ✓ |
| Fee waiver (min spend) | NAMITC v4.3, fee table L385-396 | No card-specific spend threshold stated; HDFC's general renewal-fee-waiver conditions apply at the bank's discretion | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycleMITC v4.3, fee table L385-396 | 1% fuel surcharge waiver (up to ₹500 per statement cycle) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L385-396 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 7% Reward Points on every Shoppers Stop spend; 2% Reward Points on every non-Shoppers Stop spend (points valid 2 years) | • |
| Welcome benefit | Not in MITC | ₹1,500 Shoppers Stop welcome voucher (redeemable on any transaction at Shoppers Stop) + complimentary Shoppers Stop First Citizen Black membership | • |
| Lounge access | Not in MITC | 16 domestic lounge visits/year (4 per quarter) + 8 international lounge visits/year (2 per quarter) | • |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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