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Side-by-Side Comparison|Updated March 2026

Axis Bank Shoppers Stop Credit Card vs Axis Bank ACE 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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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Shoppers Stop Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.5%1%
Reward CurrencyFirst Citizen Reward PointsCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
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 ...

Axis Bank ACE 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.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

Axis Bank ACE 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 Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Axis Bank Shoppers Stop Credit Card or Axis Bank ACE Credit Card?
Axis Bank ACE 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 Axis Bank ACE Credit Card?
Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank Shoppers Stop Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Shoppers Stop Credit Card or Axis Bank ACE 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 .... Axis Bank ACE 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 Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Shoppers Stop Credit Card and Axis Bank ACE 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 Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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