Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 1 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL

Add-on Card Fee

Free per supplementary card

Late Payment Charges

Total amount due	Late fee
Total Payment Due < ₹500	Nil
Total Payment Due ₹501 - ₹5000	₹500
Total Payment Due ₹5001 - ₹10000	₹750
Total Payment Due > ₹10000	₹1,200

Axis Bank

Shopping

Lifestyle

Rewards

Best For: Frequent Shoppers Stop shoppers, First Citizen loyalty program members, Those seeking lifestyle and shopping rewards

Axis Bank Shoppers Stop Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.5

Pros

20x accelerated First Citizen points on Shoppers Stop private labels
Welcome vouchers worth ₹2250 and complimentary Golden Glow Membership
Annual fee waived on ₹1 lakh annual spend
Unlimited reward points with no cap
Fuel surcharge waiver up to ₹400 per statement cycle
15% dining discount on EazyDiner

Cons

Benefits highly concentrated around Shoppers Stop ecosystem
Low base reward rate of 2 points per ₹200 on non-Shoppers Stop spends
High finance charges at 3.75% per month (55.55% per annum)
Foreign currency transaction fee of 3.5%
Additional fees on fuel (above ₹50,000), utility (above ₹25,000), wallet load (above ₹10,000), and gaming (above ₹10,000) spends per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No reward points on fuel transactions

1% fee on cumulative fuel spends above ₹50,000 per statement cycle

1% fee on cumulative utility spends above ₹25,000 per statement cycle

1% fee on cumulative wallet load spends above ₹10,000 per statement cycle

1% fee on cumulative online skill-based gaming spends above ₹10,000 per statement cycle

1% rent transaction fee per transaction

1% education transaction fee per transaction via third-party apps

GST on fuel surcharge is non-refundable

Dynamic Currency Conversion markup 1.5% + taxes on eligible international transactions

Additional ₹100 charge if Minimum Amount Due not paid for two consecutive cycles

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy

Form 60

INCOME Proof

Latest payslip

Form 16

IT return

ADDRESS Proof

Driving License

Electricity Bill

Landline Telephone Bill

Notable Exclusions

No reward points on fuel transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Axis Bank Shoppers Stop Credit Card

The Axis Bank Shoppers Stop Credit Card is designed for dedicated Shoppers Stop enthusiasts and First Citizen loyalty program members who want to maximize rewards from their shopping experiences. New cardholders receive a compelling welcome package that includes First Citizen reward points worth Rs. 300 on their first transaction within 30 days, complimentary Shoppers Stop vouchers worth Rs. 2,250, and an exclusive complimentary Golden Glow Membership, delivering immediate value from the moment the card is activated. The card's reward structure is built around the Shoppers Stop ecosystem. Cardholders earn an accelerated 20 First Citizen points per Rs. 200 spent on private label brands, 12 points per Rs. 200 on beauty products and other Shoppers Stop brands, and 2 points per Rs. 200 on all other purchases. Points are credited directly to the cardholder's First Citizen Loyalty account, seamlessly integrating with the existing program. Beyond shopping rewards, the card offers additional everyday benefits including a 15% instant dining discount on EazyDiner, capped at Rs. 500 per month, and a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000. The joining and annual fee is Rs. 500 each, though the annual fee is waived on cumulative annual spends of Rs. 1 lakh or more, making it a rewarding choice for regular Shoppers Stop patrons.

Expert Review