Compare : HDFC Millennia Credit Card vs Shoppers Stop HDFC Bank Credit Card

Bonus 1,000 cash points on joining fee payment

Shoppers Stop voucher worth Rs. 500

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

3% reward points on every Shoppers Stop purchase, up to 500 reward points per month

1% reward points on every non-Shoppers Stop purchase, up to 1,000 reward points per month

Redeem vouchers at Shoppers Stop, for 1 reward point =Rs. 1

Other Redemption Options: Product Catalog (1 point = Up to Rs. 0.25); Cashback (1 point = Rs. 0.2); Airmiles (1 point =Rs. 0.25); Unified Smartbuy for flight/hotel bookings (1 point= Rs. 0.2)

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

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Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

3% value back on Shoppers Stop spends

Complimentary Shoppers Stop membership and voucher as welcome benefits

Redemption of rewards against Shoppers Stop vouchers at a 1:1 ratio

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

No annual fee waiver

Low base reward rate on other spends

Low redemption value against cashback and travel bookings

Maximum capping on earned reward points

Those who frequently spend online across partner brands.

Frequent Shoppers wo prefer Shoppers Stop for their apparel shopping