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Credit Cards · India

Axis Bank Shoppers Stop Credit Card

Updated 3 Jul 2026Source-linked

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.

Axis Bank logo
Axis Bank Shoppers Stop Credit Card
Visa logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForOnline shopping
  • Reward TypeFirst Citizen Reward Points (points)
Rewards Rate
  • 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
Welcome Benefits
  • First Citizen Reward Points worth ₹300
  • Welcome vouchers redeemable in-store (₹1,500) and online (₹250), plus ₹500 voucher on Exclusive Brand Apparel
Axis Bank logoAxisVisa logoentryCo-brand · Shoppers Stop ↗
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Rewards and Benefits

Rewards Rate
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.
Reward Redemption
First Citizen: Each First Citizen Point = ₹0.50, redeemable at Shoppers Stop.
Welcome Benefits
First Citizen Reward Points worth ₹300
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

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

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Accelerated earn worth ≈5.0% on shoppers stop exclusive brand apparel.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹300 welcome benefit

  • First Citizen Reward Points worth ₹300
    First transaction within 30 days of card issuance
    Window: 30 days from issuance.
  • Welcome vouchers redeemable in-store (₹1,500) and online (₹250), plus ₹500 voucher on Exclusive Brand Apparel
    First year only

Accelerated rewards

  • 20 pts per ₹200 on shoppers stop exclusive brand apparel
    Merchants: shoppers-stop
    Unlimited 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 brands
    Merchants: shoppers-stop, homestop
    12 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).

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

Last verified 3 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.
Tagsco brandedshoppers stopretailshoppingentry