Axis Bank Shoppers Stop Credit Card
A Shoppers Stop co-brand card paying First Citizen points: 20 per ₹200 on Shoppers Stop's own brands, 12 per ₹200 on other brands there, 2 per ₹200 elsewhere, each point worth ₹0.50 at Shoppers Stop only; ₹500 a year, waived on ₹1 lakh of spend. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Terms |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. | |
Rewards
Reward points, ₹0.50 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All other spends | 2 points per ₹200 Product page | no cap on record |
Paid as Shoppers Stop First Citizen points, credited to the First Citizen account and redeemable only at Shoppers Stop, Homestop and the group's beauty stores (₹0.50 a point).
Spends at Shoppers Stop earn 20 points per ₹200 on its exclusive brands and 12 per ₹200 on other brands; CardWise does not price Shoppers Stop as a category.
No rewards on
- Utilities, insurance, education, government, wallet, rent and fuel (also transportation, tolls and gift cards) Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹400 a statement cycle Product page
- Welcome: First Citizen points worth ₹300 on the first transaction within 30 days of issue Product page
- Welcome: Shoppers Stop vouchers worth ₹2,250, usable at Shoppers Stop and Homestop against minimum purchases Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 20 First Citizen points per ₹200 on Shoppers Stop's own (private label) brands Product page
- 12 First Citizen points per ₹200 on beauty and other brands at Shoppers Stop Product page
- Complimentary First Citizen Golden Glow membership Product page
- EazyDiner: 15% instant discount, up to ₹500 a month Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the card network (the terms mention both Mastercard and Visa codes)
- a RuPay variant for UPI
- a minimum income
The quotes behind the figures
23 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining fee ₹500 (only for new card issuance)”
“Annual Fee ₹500 (Waived for cumulative spend of Rs. 1 L and above)”
“A Cardmember shall be exempted from the said Annual Card Fee if the Cardmember spends INR 1 Lakh or more on the Card during the anniversary year.”
“Foreign currency transaction fee 3.5% of the transaction value”
“The Redemption Value of Each FC Point = Rs. 0.50”
“Unlimited 2 First Citizen points earned on every ₹200 spent elsewhere”
“Cardmember shall earn 2 FC Points on every INR 200 spent for all other spends apart from spends at Shoppers Stop (in-store, website or mobile app), Homestop, Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox on the Credit Card.”
“Excluded MCCs • Transportation, Bridge fees, Road fees & Tolls • Utilities • Insurance • Educational Institutions • Govt. Institutions • Wallet • Rent • Fuel • Gift Card”
“Rent and Wallet MCCs will be excluded from the Target spends calculated for the Annual Card Fee waiver.”
“Maximum discount is capped at ₹500 per month”
“Never expiring First Citizen Points”
“You can redeem your First Citizen Points instantly against purchases made at Shoppers Stop, Homestop, Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox.”
“Get 1% fuel surcharge on fuel purchases at all fuel outlets across India”
“Valid on transactions between ₹400 to ₹5000 only; maximum benefit up to ₹400 per statement cycle”
“Enjoy First Citizen reward points worth ₹300 upon first transaction within 30 days of card issuance”
“Get Complimentary Shoppers Stop vouchers worth ₹2250 redeemable at Shoppers Stop and Homestop”
“Unlimited 20 First Citizen accelerated points for every ₹200 spent on private label brands of Shopper's Stop”
“Unlimited 12 First Citizen accelerated points for every ₹200 spent on beauty products and other brands at Shopper's Stop”
“Enjoy exclusive privileges of complimentary Golden Glow Membership”
“Enjoy a 15% instant discount on EazyDiner with Axis Bank Shoppers Stop Credit Card”
“Primary Cardholder should be 18-70 years of age.”
“The individual should be a Resident of India.”
“Axis Bank Shoppers Stop Credit Card Compare Welcome benefits worth of ₹2250 Earn up to 20 First Citizen reward points at Shoppers Stop Earn 2 First Citizen reward points on other spends Joining Fee: ₹500 Annual Fee: ₹500 Know More Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology