Vyaya

Axis Bank Shoppers Stop Credit Card Review: Fees, Rewards & Benefits

Get 10% value back on Shoppers Stop private brands with the Axis Bank Shoppers Stop Credit Card. Check fees, ₹2,250 welcome vouchers, and eligibility.

Vyaya Team · Mar 2026
5 min read
Value Score
7.2 / 10
Annual Fee
₹500
Best For
Shoppers Stop Loyalists
Network
Visa
Expert Verdict

A solid entry-level co-branded card for frequent Shoppers Stop customers. While it lacks lifestyle perks like lounge access, its high reward rate on private labels and low fee waiver threshold make it a high-value tool for fashion spending.

Axis Bank Shoppers Stop Credit Card credit card by Axis Bank - Visa network
REWARD SUMMARY
0.5% Base Rewards
Elevate your shopping experience with unlimited rewards.
← Tap to flip back

The Bottom Line

The Axis Bank Shoppers Stop Credit Card is a solid entry-level co-branded card for frequent Shoppers Stop customers. While it lacks lifestyle perks like lounge access, its high reward rate on private labels and low fee waiver threshold make it a high-value tool for fashion spending. With a ₹500 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on shoppers stop private labels and 300 bonus points. For anyone researching axis bank shoppers stop credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Shoppers Stop Loyalists. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like
+High 10% value back (20 points per ₹200) on Shoppers Stop private label brands.
+Unlimited reward points with no monthly capping on earnings.
+Welcome benefits worth up to ₹2,550 including vouchers and points.
+Complimentary First Citizen Club Golden Glow membership with extended exchange periods.
What we don't
No domestic or international airport lounge access.
Reward points are primarily valuable only for Shoppers Stop ecosystem redemptions.
High interest rate of 3.75% per month if balance is carried forward.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Shoppers Stop Loyalists

Maximum value is derived through accelerated points on private labels and exclusive sale previews.

Best value above ₹10,000/month

Probably not for

Skip
Frequent Travelers

The card lacks travel-specific benefits like lounge access or air mile conversions.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Annual fee-₹500
Net Value (Year 1)-500
Net Value (Year 2+)-500
Progress to fee waiver0%

Spend ₹1,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

Axis Bank Shoppers Stop Credit Card offers 0.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Shoppers Stop Private Labels
0%
Shoppers Stop Other Brands ...
0%

Welcome Offer

300 Bonus Points

Fees & Charges

Joining fee₹500
Annual fee₹500
Fee waiverSpend > ₹1,00,000

Eligibility

  • Min Income: ₹1.8 Lakhs
  • Min Credit Score: 700
  • Primary cardholder must be 18-70 years old. Salaried individuals need a minimum income of ₹15,000/month; self-employed need ₹30,000/month.

Exclusions & Terms

Fuel

    Rent

      Wallet Load

        Insurance

          Government Services

            Education

              Utilities

                Cash Advance

                  Compare with Alternatives

                  Feature
                  Axis Bank Shoppers Stop Credit Card by Axis Bank - credit card comparison
                  Axis Bank Shoppers Stop Credit Card
                  Axis Bank
                  Current Card
                  SBI Card PRIME by SBI Card - credit card comparison
                  SBI Card PRIME
                  SBI Card
                  View Details
                  Annual Fee
                  ₹500
                  ₹2,999
                  Joining Fee
                  ₹500
                  ₹2,999
                  Reward Rate
                  0.5%
                  0.12%
                  Network
                  Visa
                  Visa
                  Best For
                  Shoppers Stop Loyalists
                  lifestyle-spenderfrequent-traveler

                  Frequently Asked Questions

                  2 data-backed answers from our card database

                  What is the value of 1 First Citizen point on this card?+

                  1 First Citizen point is valued at ₹0.50 when redeemed at Shoppers Stop stores or online.

                  How can I get the annual fee waived?+

                  The annual fee of ₹500 is waived if you spend more than ₹1 Lakh in the preceding card anniversary year. Note that rent and wallet transactions are excluded from this calculation.

                  Ready to apply?

                  ₹500 fee. Excellent rewards. Apply now securely.

                  Apply on Axis Bank

                  Explore More on Vyaya