Axis Bank Shoppers Stop Credit Card benefits
- Rewards20
First Citizen points per ₹200 on Shoppers Stop exclusive brands, worth ₹0.50 each
- Rewards12
First Citizen points per ₹200 on other brands at Shoppers Stop and partner stores
- Rewards2
First Citizen points per ₹200 on all other eligible spends
- Fees
Annual fee waived on yearly spends of ₹1,00,000 or more
- Gift
Welcome vouchers worth ₹2,250 and ₹300 in points, for cards issued on or after 1 May 2024
Good to know
- Joining fee and annual fee of ₹500 before GST
Axis Bank Shoppers Stop Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Shoppers Stop20 First Citizen points per ₹200 on Shoppers Stop exclusive brands (in store, website or app). No limit stated. The bank pays 8 of the 20 points and Shoppers Stop pays 12. | 10 points per ₹100 | None |
| Shoppers Stop12 First Citizen points per ₹200 on other brands at Shoppers Stop, and at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone and Smashbox. No limit stated. | 6 points per ₹100 | None |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.5 in the usual redemption.
No rewards on: Fuel, utilities, insurance, education, government services, wallet loads, rent, gift cards, and bridge, road and toll fees.
All reward rules
- Base earn is 2 First Citizen points for every ₹200 spent elsewhere, which is 1 point per ₹100.
- The value of one First Citizen point is ₹0.50, as given in the bank's value chart. Points can be used only at Shoppers Stop, Homestop and the partner brands listed by the store.
- Points go to your First Citizen account at Shoppers Stop. They show by the 10th of the next month.
- Welcome benefit for cards issued on or after 1 May 2024: First Citizen points worth ₹300 on the first transaction within 30 days, and Shoppers Stop vouchers worth ₹2,250 in total. It applies once the joining fee is paid. Complimentary Golden Glow membership is also listed.
- EazyDiner: 15% instant discount on dining, up to ₹500 a month, on a minimum bill of ₹2,500.
- A 1% fee applies to rent payments and to education payments through third-party apps. A 1% fee also applies in a statement cycle if utilities reach ₹25,000, fuel ₹50,000, wallet loads ₹10,000 or online skill gaming ₹10,000.
What the Axis Bank Shoppers Stop Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern, using Shoppers Stop where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 0.5% | ₹360 |
| Dining and food delivery | ₹3,000 | 0.5% | ₹180 |
| Online shopping | ₹8,000 | 0.5% | ₹480 |
| Travel | ₹3,000 | 0.5% | ₹180 |
| Fuel | ₹3,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0% | ₹0 |
| Everything else | ₹4,000 | 5% | ₹2,400 |
| Total | ₹30,000 | ₹3,600 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,600* |
Axis Bank Shoppers Stop Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,00,000 a year
- Foreign currency markup
- 3.5%
The annual fee is billed after the first card year. It is waived if you spend ₹1,00,000 or more in the card anniversary year. Rent and wallet spends do not count. The waiver applies to cards issued on or after 1 May 2024. Fees are before GST. Axis Bank has said its card terms change from 28 August 2026.
Fuel surcharge: 1% waiver on fuel transactions between ₹400 and ₹5,000, up to ₹400 per statement cycle. GST on the surcharge is not refunded.
Axis Bank Shoppers Stop Credit Card eligibility
- Age
- 18 to 70
The primary cardholder must be a resident of India. The bank's page gives no minimum income. These criteria are only indicative, and the bank decides each application.
The bank alone decides approval and your credit limit.
Axis Bank Shoppers Stop Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the Axis Bank Shoppers Stop Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 5% at Shoppers Stop and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹5,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Shoppers Stop: the card pays 5% back there, against 0.5% on most other spends.
- You spend ₹1,00,000 a year or more (about ₹8,400 a month), so the ₹500 renewal fee is waived.
Not for you if
- You spend less than about ₹8,400 a month: you would pay ₹590 a year with GST.
- You rarely use Shoppers Stop: outside it the card pays 0.5%.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Axis Bank Shoppers Stop Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Axis Bank Shoppers Stop Credit Card | ₹500 | 5% | ₹1,440* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹17,100 a year, against ₹3,600 with the Axis Bank Shoppers Stop Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Axis Bank Shoppers Stop Credit Card?
The joining fee is ₹500 and the annual fee is ₹500, both before GST. The annual fee is waived if you spend ₹1,00,000 or more in the card anniversary year. Rent and wallet spends do not count.
Is the Axis Bank Shoppers Stop Credit Card lifetime free?
No. By its standard terms it has a ₹500 joining fee and a ₹500 annual fee. You can avoid the annual fee by spending ₹1,00,000 or more in a year.
What reward points does the Axis Bank Shoppers Stop Credit Card give?
You get 20 First Citizen points per ₹200 on Shoppers Stop exclusive brands and 12 points per ₹200 on other brands at Shoppers Stop. Other eligible spends earn 2 points per ₹200. The bank's value chart puts one point at ₹0.50.
Who can apply for the Axis Bank Shoppers Stop Credit Card?
The primary cardholder should be 18 to 70 years old and a resident of India. The bank's page does not state a minimum income. The bank decides each application.
Does the Axis Bank Shoppers Stop Credit Card have a reward point limit?
The bank's terms state no monthly limit on the points. Fuel, utilities, insurance, education, government services, wallet loads, rent, gift cards and tolls earn no points.