Axis Bank
Axis Bank Shoppers Stop Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.5% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
This card rewards shopping at Shoppers Stop. You earn 20 First Citizen points per Rs 200 on Shoppers Stop private labels and 12 points per Rs 200 on beauty and other brands in the store. Spends elsewhere earn about 0.5%.
The fee is ₹500 plus GST, waived at ₹1 lakh annual spend. The Shoppers Stop vouchers worth Rs 2,250 on joining are more than the fee, so the first year is well covered.
It suits regular Shoppers Stop customers, and you also get a complimentary Golden Glow membership. The catch is that the value is tied to one store. Outside Shoppers Stop the card earns little and has no lounge access.
Best for: Regular Shoppers Stop customers, Fashion and beauty shoppers, Low-fee card seekers.
01Axis Bank Shoppers Stop Credit Card Rewards and Benefits
02Axis Bank Shoppers Stop Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.5%₹100
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,200
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Shoppers Stop and HomeStop, Shoppers Stop Exclusive brands: 5% back
- Spending ₹8,333 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Shoppers Stop and HomeStop, Shoppers Stop Exclusive brands: the 5% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500 plus GST
- Fee waived on ₹1 lakh annual spend
- 20 First Citizen points per ₹200 on Shoppers Stop private labels
- 12 points per ₹200 on beauty and other Shoppers Stop brands
- Shoppers Stop vouchers worth ₹2,250
- Complimentary Golden Glow membership
05Pros and Cons
Pros
- Welcome vouchers worth more than the fee
- High points at Shoppers Stop
- Easy ₹1 lakh fee waiver
Cons
- About 0.5% back outside Shoppers Stop
- Rewards tied to one retailer
- No lounge access
- 3.5% forex markup
06How Axis Bank Shoppers Stop Credit Card earns Rewards
0.5% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | No cap | Only at: Shoppers Stop and HomeStop, Shoppers Stop Exclusive brandsTerms: 20 First Citizen points per ₹200 on Shoppers Stop Exclusive (private-label) brands, 5% in store credit. Every other brand bought at Shoppers Stop earns 12 points per ₹200 (3%); the rate applies only inside the Shoppers Stop estate, never to general online shopping. |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 First Citizen points per ₹200 on all general spends (0.5% in store credit)
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07Axis Bank Shoppers Stop Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped ₹400 per statement month. Fuel earns no First Citizen points.
08Axis Bank Shoppers Stop Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Dec 2024 | Reduced: Bank-wide charges revisionSource: Axis Bank | - | - |
| 15 Jul 2024 | Changed: Legacy Citi First Citizen cardholders migrated to AxisSource: Axis Bank | First Citizen Citibank card (Citi India, Mastercard, launched 2002) | Axis Bank Shoppers Stop Credit Card (Axis, Visa) |
See this card's change history → · All card changes in August 2026 →
10Cards Similar to Axis Bank Shoppers Stop Credit Card
Axis Bank Shoppers Stop Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Shoppers Stop Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.5% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Shoppers Stop Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, when you spend ₹1 lakh in a year.
What is the welcome benefit?
Shoppers Stop vouchers worth ₹2,250.
Where do I earn the most points?
On Shoppers Stop private labels, at 20 First Citizen points per ₹200.
What is the joining fee for the Axis Bank Shoppers Stop Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Shoppers Stop Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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