SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for shoppers stop, shopping, and entry level lifestyle.
Why it can work
It combines accelerated rewards on shoppers stop spends and milestone rewards.
Where value may drop
Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Shoppers Stop Spends
3% Reward Points
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Shoppers Stop spends | 3% Reward Points | 500 reward points |
| Other spends | 1% Reward Points | 1,000 reward points |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Shoppers Stop | Shoppers Stop Vouchers | 1:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- Utility bill payments
- Insurance premium payments
- EMI transactions
- Government-related transactions
- Jewellery purchases
- Wallet loads
- Cash advances
- Payment of outstanding balances
- Education payments
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Rs 500 Shoppers Stop voucher as welcome benefit, redeemable on any transaction at Shoppers Stop store
- Complimentary Shoppers Stop Silver Edge membership worth Rs 350
Additional benefits
- Link RuPay Credit Card to UPI for scan-and-pay transactions
- 1% fuel surcharge waiver on transactions from Rs 400 to Rs 5,000, capped at Rs 250 per statement cycle
Additional details
- Minimum transaction of Rs 150 required to earn reward points
- Points expire after 2 years from the date of accumulation
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Monthly income Rs 20,000
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR greater than Rs 6 lakh
Compare before you decide
Alternatives based on what you might want instead.
YES BANK POP-CLUB Credit Card
Best for upi, gen z, shopping.
Shoppers Stop BLACK HDFC Bank Credit Card
Best for shoppers stop, shopping, premium lifestyle.
HDFC Bank Freedom Credit Card
Best for entry level rewards, shopping, dining.