Axis Bank Shoppers Stop Credit Card
The Axis Bank Shoppers Stop Credit Card is a entry co-branded credit card from Axis Bank and Shoppers Stop, with a joining fee of ₹500 + GST.
It earns up to 20 pts per ₹200 (≈5.0% value) on Shoppers Stop spends in the form of first citizen reward points (points).
Welcome benefit: First Citizen Reward Points worth ₹300.
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForOnline shopping
- Reward TypeFirst Citizen Reward Points (points)
- 20 pts per ₹200 on shoppers stop exclusive brand apparel
- 12 pts per ₹200 on shoppers stop other brands
- Base 0.50% on other spends
- First Citizen Reward Points worth ₹300
- Welcome vouchers redeemable in-store (₹1,500) and online (₹250), plus ₹500 voucher on Exclusive Brand Apparel
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.5% = ₹75/mo
- Groceries₹8,000 · 0.5% = ₹40/mo
- Dining & food delivery₹8,000 · 0.5% = ₹40/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.5% = ₹50/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹2,460 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by Axis Bank and Shoppers Stop.
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,00,000.
- Available on the Visa network.
Pros & Cons
- Annual fee waivable on ₹1,00,000 spend.
- Accelerated earn worth ≈5.0% on shoppers stop exclusive brand apparel.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹300 welcome benefit
- First Citizen Reward Points worth ₹300First transaction within 30 days of card issuanceWindow: 30 days from issuance.
- Welcome vouchers redeemable in-store (₹1,500) and online (₹250), plus ₹500 voucher on Exclusive Brand ApparelFirst year only
Accelerated rewards
- 20 pts per ₹200 on shoppers stop exclusive brand apparelMerchants: shoppers-stopUnlimited 20 First Citizen accelerated points per ₹200 on Shopper's Stop private-label / Exclusive Brand Apparel (≈5% value back).
- 12 pts per ₹200 on shoppers stop other brandsMerchants: shoppers-stop, homestop12 First Citizen points per ₹200 on other Shoppers Stop brands, Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (≈3% value back).
- No per-cycle cap on Shoppers Stop FC points documented in the card T&C (retrieved 2026-07-05): exclusive-brand 20/₹200 (12 SS + 8 Axis) and other-brand 12/₹200 (4 SS + 8 Axis) are merchant-gated, uncapped.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- utilities
- insurance premiums
- education
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹400 per monthly.
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.