MyFinCards
Axis Bank Shoppers Stop Credit Card

Joining Fee

₹500

Annual Fee

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

Forex Markup

3.5% + GST

INTERNATIONAL
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

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

Our Verdict

Best for Shoppers Stop loyalists with 20x points on private labels and welcome vouchers worth ₹2250.

Frequently Asked QuestionsAbout Axis Bank Shoppers Stop Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Shoppers Stop Credit Card?
To apply for the Axis Bank Shoppers Stop Credit Card, the primary cardholder must be between 18 to 70 years of age and a resident of India. These criteria are indicative, and Axis Bank reserves the right to approve or decline applications based on its internal assessment. There is no specific minimum income requirement publicly stated for this card.
DOCUMENTSWhat documents are required to apply for the Axis Bank Shoppers Stop Credit Card?
The following documents are typically required: a PAN Card photocopy or Form 60, proof of income (latest payslip, Form 16, or IT return), and residence proof (Driving License, Electricity Bill, or Landline Telephone Bill). Please note this list is indicative and documents required may vary on a case-to-case basis as determined by the bank.
FEESWhat are the joining and annual fees for the Axis Bank Shoppers Stop Credit Card?
The Axis Bank Shoppers Stop Credit Card has a joining fee of ₹500 (applicable only for new card issuance) and an annual fee of ₹500. The annual fee is waived if your cumulative spends reach ₹1 lakh or more during the year. Add-on card joining and annual fees are both nil.
BENEFITSWhat welcome benefits do I get with the Axis Bank Shoppers Stop Credit Card?
Upon card issuance, you receive complimentary Shoppers Stop vouchers worth ₹2,250 redeemable at Shoppers Stop and Homestop, exclusive privileges of a complimentary Golden Glow Membership, and First Citizen reward points worth ₹300 upon completing your first transaction within 30 days of card issuance. These welcome benefits are applicable for the first year only.
REWARDSHow do reward points work on the Axis Bank Shoppers Stop Credit Card?
The card offers tiered First Citizen reward points: 20 accelerated points per ₹200 spent on private label brands at Shoppers Stop, 12 accelerated points per ₹200 spent on beauty products and other brands at Shoppers Stop, and 2 points per ₹200 on all other spends. There is no cap on reward points earned. Points are credited directly to your First Citizen Loyalty account, and each FC point has a redemption value of ₹0.50.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
Cardholders get a 1% fuel surcharge waiver on fuel purchases at all fuel outlets across India. This waiver is valid only on transactions between ₹400 and ₹5,000, with a maximum benefit of up to ₹400 per statement cycle. Please note that GST charged on the fuel surcharge is non-refundable. A 1% fuel transaction fee applies on cumulative fuel spends of ₹50,000 or more per statement cycle.
BENEFITSIs there a dining discount available with the Axis Bank Shoppers Stop Credit Card?
Yes, cardholders enjoy a 15% instant discount on EazyDiner with the Axis Bank Shoppers Stop Credit Card. The maximum discount is capped at ₹500 per month, and the offer is applicable on a minimum order value of ₹2,500. This benefit provides savings on dining out and helps enhance the overall lifestyle value of the card.
FEESWhat are the finance charges and late payment fees on the Axis Bank Shoppers Stop Credit Card?
The finance charges (applicable on retail purchases and cash) are 3.75% per month, which equals 55.55% per annum. Late payment fees are: nil if total payment due is less than ₹500; ₹500 if due is between ₹501–₹5,000; ₹750 if between ₹5,001–₹10,000; and ₹1,200 if greater than ₹10,000. An additional ₹100 charge applies if the Minimum Amount Due is not paid for two consecutive cycles.
INTERNATIONALWhat are the foreign currency transaction charges on this card?
The Axis Bank Shoppers Stop Credit Card has a foreign currency transaction fee of 3.5% of the transaction value. Additionally, a Dynamic Currency Conversion markup of 1.5% plus taxes is applicable on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign nation. This card may not be the best choice for frequent international travellers.
FEESAre there any transaction fees on utility, wallet load, or gaming spends?
Yes, additional fees apply on certain transaction categories per statement cycle: a 1% fee on cumulative utility spends of ₹25,000 or more, a 1% fee on cumulative wallet load transactions of ₹10,000 or more, and a 1% fee on cumulative online skill-based gaming spends of ₹10,000 or more. A 1% fee also applies per transaction on rental and education payments made via third-party apps.
APPLICATIONHow can I apply for the Axis Bank Shoppers Stop Credit Card?
You can apply for the Axis Bank Shoppers Stop Credit Card online through the Axis Bank official website by clicking the 'Apply Now' button on the card's page. You will need to submit your personal details, income proof, PAN card or Form 60, and residence proof. You can also visit the nearest Axis Bank branch to apply in person. The bank will assess your application based on eligibility criteria and may approve or decline at its discretion.
FEESWhat is the cash withdrawal fee for the Axis Bank Shoppers Stop Credit Card?
The cash withdrawal fee on the Axis Bank Shoppers Stop Credit Card is 2.5% of the cash amount, with a minimum charge of ₹500. In addition to this fee, finance charges of 3.75% per month (55.55% per annum) will apply on cash withdrawals from the date of the transaction until the amount is fully repaid. It is advisable to avoid using your credit card for cash withdrawals due to these high costs.
USAGEHow do I redeem my First Citizen reward points earned on the Axis Bank Shoppers Stop Credit Card?
Reward points earned on the Axis Bank Shoppers Stop Credit Card are credited directly to your First Citizen Loyalty account linked to your Shoppers Stop membership. You can redeem these points at Shoppers Stop stores or online at Shoppers Stop and Homestop. Each First Citizen (FC) point has a redemption value of ₹0.50. Since there is no cap on points, you can accumulate unlimited points and redeem them for purchases across the Shoppers Stop ecosystem.
REWARDSWhat is the total potential annual savings with the Axis Bank Shoppers Stop Credit Card?
Based on the bank's value chart for annual spends of ₹3,00,000, the total annual savings can exceed ₹8,500. This includes welcome vouchers worth ₹1,750, ₹300 in First Citizen reward points, ₹2,500 in reward points from Shoppers Stop exclusive brand spends, ₹2,100 from other Shoppers Stop brand spends, ₹750 from outside spends, ₹100 fuel surcharge waiver, and ₹500 from annual fee waiver. Note that welcome benefits apply to the first year only.
CANCELLATIONHow can I cancel or close my Axis Bank Shoppers Stop Credit Card?
To cancel your Axis Bank Shoppers Stop Credit Card, you can contact Axis Bank's customer care at 1800 209 5577 or 1800 103 5577 (toll-free), or call 1860 419 5555 / 1860 500 5555 (charges applicable). You can also reach out via WhatsApp Banking by messaging 'Hi' to 7036165000, or visit your nearest Axis Bank branch. Ensure all outstanding dues are cleared before requesting cancellation, and redeem any remaining First Citizen reward points before closure.

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