Check below for a comparison between HDFC Shoppers Stop vs Moneyback Credit Card or Moneyback Credit Card vs Shoppers Stop and find which is better:-
In the realm of HDFC Bank credit cards designed for retail therapy, the choice between the HDFC Shoppers Stop Credit Card and the HDFC MoneyBack Credit Card presents a strategic decision for individuals seeking optimized benefits on shopping expenditures.
The HDFC Shoppers Stop Credit Card, a collaboration with the renowned retail chain, offers exclusive privileges such as accelerated reward points on Shoppers Stop transactions, bonus points, and discounts, catering to avid shoppers.
In contrast, the HDFC MoneyBack Credit Card is celebrated for its versatility, providing cashback rewards on a variety of everyday expenses, making it an ideal choice for those who prioritize instant savings on routine transactions.
This comprehensive analysis navigates through the distinctive features of each card, empowering users to make an informed decision based on their specific shopping patterns, preferences, and lifestyle choices.
Whether you seek exclusive benefits at Shoppers Stop or prefer versatile cashback rewards, understanding the nuanced features of these HDFC credit cards will guide you toward the one that seamlessly aligns with your financial goals and individual aspirations.
Table of Contents
Overview of Shoppers Stop HDFC Bank Credit Card
This credit card extends a complimentary Shoppers Stop Membership to individuals who choose to acquire it.
Crafted specifically for consumers who desire substantial rewards during their Shoppers Stop transactions, this co-branded card offers exclusive advantages.
Cardholders enjoy the accumulation of numerous reward points on their shopping expenditures, which can later be redeemed for additional purchases at Shoppers Stop.
In addition to reward points, cardholders also receive special promotions on delivery and grocery platforms like Swiggy, Zomato, and BigBasket.
The card comes with a lifetime free membership, and eligible customers seeking an upscale shopping experience at Shoppers Stop can take advantage of this offering.
Overview of HDFC Moneyback Credit Card
Upon payment of the joining or renewal fee, you are granted a yearly welcome and renewal benefit of 500 Cash points.
The renewal fee waiver is also possible based on your annual spending.
This card provides 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.
Utilize these reward points for cashback, SmartBuy flight/hotel bookings, and a diverse range of products/vouchers. Moreover, quarterly spending can earn you gift vouchers every quarter.
HDFC Shoppers Stop vs Moneyback Credit Card
| Features/Charges | Shoppers Stop HDFC Bank Credit Card | HDFC Moneyback Credit Card |
|---|---|---|
| Joining Fees | Nil | Rs 500 |
| Annual Fees | Nil | Rs 500 |
| Welcome Benefits | As a greeting perk, you’ll receive a voucher valued at Rs. 500, applicable for redemption when you make a minimum purchase of Rs. 5000 on exclusive label products. | You’ll obtain 500 Cash Points as a welcome benefit upon completing the membership fee payment. |
| Cashback / Rewards point | Accumulate 6 Points for every Rs.150 expended on Private Label Brands and earn 2 Points for each Rs.150 spent on all non-fuel and non-wallet retail transactions. | Get 4 Reward Points for every Rs 150 spent online and 2 Reward Points for all other types of transactions. |
| Dining benefits | Receive discounts of up to Rs. 1,500 when you shop with specific merchants such as Swiggy, Zomato, and BigBasket. | Avail savings of up to 20% on your restaurant charges by using Swiggy Dineout. |
| Travel benefits | N/A | N/A |
| Annual fees waiver | N/A | Spending Rs. 50,000 or more in the year before results in the cancellation of the annual fee. |
| Fuel surcharge waiver | The 1% surcharge on fuel is exempted. | All fuel transactions are exempt from the 1% fuel surcharge. |
