Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Shoppers Stop Credit Card vs ICICI Bank Sapphiro 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
View Full Details

ICICI Bank

ICICI Bank Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Shoppers Stop Credit CardICICI Bank Sapphiro Credit Card
Annual Fee₹500₹3,500
Joining Fee₹500₹6,500
Fee Waiver Spend₹1,00,000₹6,00,000
Base Reward Rate0.5%0.25%
Reward CurrencyFirst Citizen Reward PointsICICI Bank Rewards
NetworkVisaVisa
Editor Rating7.2/108/10
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 ...

ICICI Bank Sapphiro Credit Card

  • 0% on International Spends

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.

ICICI Bank Sapphiro Credit Card

Pros

  • High-value welcome vouchers worth over ₹9,000 covering travel, shopping, and dining.
  • Dual-card advantage (Amex + Mastercard/Visa) allows for broader acceptance and network-specific offers.
  • Generous movie benefits with Buy 1 Get 1 up to ₹500 twice a month on BookMyShow.
  • Complimentary golf rounds (up to 4 per month) based on spending milestones.

Cons

  • High annual fee of ₹3,500 which is only waived on a relatively high spend of ₹6 lakhs.
  • Domestic lounge access is contingent on a high quarterly spend of ₹75,000.
  • Reward rate on utilities and insurance is low at 1 point per ₹100.

Our Verdict

ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card if

Offers both domestic and international lounge access along with travel-specific welcome vouchers.

Frequently Asked Questions

Which is better: Axis Bank Shoppers Stop Credit Card or ICICI Bank Sapphiro Credit Card?
ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card?
Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500, while ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500. Axis Bank Shoppers Stop Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Axis Bank Shoppers Stop Credit Card or ICICI Bank Sapphiro 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 .... ICICI Bank Sapphiro Credit Card offers 0.25% base rewards with bonuses on International Spends. The better choice depends on your primary spending categories.
Can I have both Axis Bank Shoppers Stop Credit Card and ICICI Bank Sapphiro Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Shoppers Stop Credit Card and ICICI Bank Sapphiro 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 ICICI Bank Sapphiro 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.

Related Comparisons

Axis Bank Shoppers Stop Credit Card vs SBI Card PRIMEICICI Bank Sapphiro Credit Card vs SBI Card PRIMEAxis Bank Shoppers Stop Credit Card vs Axis Bank Atlas Credit CardICICI Bank Sapphiro Credit Card vs Axis Bank Atlas Credit CardAxis Bank Shoppers Stop Credit Card vs SBI Card ELITEICICI Bank Sapphiro Credit Card vs SBI Card ELITE

Explore More

Axis Bank Shoppers Stop Credit Card Full ReviewICICI Bank Sapphiro Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips