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Side-by-Side Comparison|Updated March 2026

Axis Bank Shoppers Stop Credit Card vs Axis Bank Neo 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 Neo Credit Card

7.2/10
Annual Fee₹250
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Shoppers Stop Credit CardAxis Bank Neo Credit Card
Annual Fee₹500₹250
Joining Fee₹500₹250
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.5%0.2%
Reward CurrencyFirst Citizen Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
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 Neo 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 Neo Credit Card

Pros

  • 40% off on Zomato up to ₹120 per order (twice monthly, min spend ₹499).
  • 5% off on utility bills via Paytm up to ₹150 per month.
  • 10% instant discount on Blinkit (up to ₹250) and BookMyShow (up to ₹100).
  • Flat ₹150 off on Myntra for select styles on minimum spend of ₹999.

Cons

  • Very low base reward rate of 0.1% (1 point per ₹200).
  • No complimentary airport lounge access.
  • Reward points excluded on fuel, rent, insurance, and utilities.

Our Verdict

Both Axis Bank Shoppers Stop Credit Card and Axis Bank Neo Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

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 Neo Credit Card if

Low entry barrier and easy approval for those with basic income.

Frequently Asked Questions

Which is better: Axis Bank Shoppers Stop Credit Card or Axis Bank Neo Credit Card?
Both Axis Bank Shoppers Stop Credit Card and Axis Bank Neo Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Shoppers Stop Credit Card and Axis Bank Neo Credit Card?
Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500, while Axis Bank Neo Credit Card has an annual fee of ₹250. 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 Axis Bank Neo 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 Neo Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Shoppers Stop Credit Card and Axis Bank Neo 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 Neo 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 Neo Credit Card?
For beginners, Axis Bank Neo Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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