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Side-by-Side Comparison|Updated March 2026

Axis Bank Shoppers Stop Credit Card vs Axis Bank - Flipkart Axis 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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Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Shoppers Stop Credit CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹1,00,000₹3,50,000
Base Reward Rate0.5%1%
Reward CurrencyFirst Citizen Reward PointsCashback
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 - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

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 - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Our Verdict

Both Axis Bank Shoppers Stop Credit Card and Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Frequently Asked Questions

Which is better: Axis Bank Shoppers Stop Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Both Axis Bank Shoppers Stop Credit Card and Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card?
Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Axis Bank Shoppers Stop Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Axis Bank Shoppers Stop Credit Card or Axis Bank - Flipkart Axis 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 .... Axis Bank - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both Axis Bank Shoppers Stop Credit Card and Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis 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 Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank Shoppers Stop Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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