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Side-by-Side Comparison|Updated March 2026

Axis Bank Shoppers Stop Credit Card vs Amazon Pay ICICI Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Shoppers Stop Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Shoppers Stop Credit CardAmazon Pay ICICI Bank Credit Card
Annual Fee₹500Free
Joining Fee₹500Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.5%1%
Reward CurrencyFirst Citizen Reward PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Shoppers Stop Credit Card

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

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Shoppers Stop Credit Card

Pros

  • 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.

Cons

  • 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.

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Shoppers Stop Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Shoppers Stop Credit Card if

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

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: Axis Bank Shoppers Stop Credit Card or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Shoppers Stop Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Shoppers Stop Credit Card and Amazon Pay ICICI Bank Credit Card?
Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500, while Amazon Pay ICICI Bank Credit Card has no annual fee. Axis Bank Shoppers Stop Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Shoppers Stop Credit Card or Amazon Pay ICICI Bank Credit Card?
Axis Bank Shoppers Stop Credit Card offers a base reward rate of 0.5% with accelerated rewards on Shoppers Stop Private Labels and Shoppers Stop Other Brands .... Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Shoppers Stop Credit Card and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Shoppers Stop Credit Card and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Shoppers Stop Credit Card or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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