Axis Bank Shoppers Stop Credit Card
Axis Bank · Visa · Entry card
A stronger Shoppers Stop ecosystem proposition for customers who can use its vouchers and membership privileges.
Frequent Shoppers Stop customers who value store status and can use the welcome vouchers.
Terms checked 23 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% selected Shoppers Stop labels only |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Shoppers Stop private-label points
Usage-based valueTwenty First Citizen points per ₹200 only on eligible Shoppers Stop private-label purchases.
Conditions: Twenty First Citizen points per ₹200 only on eligible Shoppers Stop private-label purchases.
Other Shoppers Stop brand points
Usage-based valueTwelve First Citizen points per ₹200 on eligible non-private-label Shoppers Stop brand purchases.
Conditions: Twelve First Citizen points per ₹200 on eligible non-private-label Shoppers Stop brand purchases.
Other eligible points
Usage-based valueTwo First Citizen points per ₹200 on other eligible purchases.
20 First Citizen points per ₹200 on Shoppers Stop private labels and 12 on other Shoppers Stop brands
Shown without a cash valueTwo points per ₹200 on other eligible purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Exclusions: rent
₹500 renewal fee waived at ₹1 lakh eligible anniversary-year spend
Shown without a cash value
Welcome benefits · 5 items
₹300 First Citizen points
Recorded value ₹300Welcome points after the first eligible transaction.
Conditions: Complete the first eligible card transaction · Issuer and Shoppers Stop fulfilment terms apply
₹1,500 Shoppers Stop voucher bundle
Recorded value ₹1,500Three ₹500 store vouchers in the current welcome package.
Conditions: Each voucher requires a minimum ₹5,000 eligible Shoppers Stop purchase · Voucher validity and exclusions apply
₹500 private-label voucher
Recorded value ₹500Voucher for eligible Shoppers Stop private-label purchases.
Conditions: Minimum ₹2,500 eligible private-label purchase · Voucher validity and exclusions apply
₹250 online voucher
Recorded value ₹250Voucher for an eligible Shoppers Stop online purchase.
Conditions: Use on the eligible Shoppers Stop online channel · Voucher validity and exclusions apply
Golden Glow membership
Shown without a cash valueShoppers Stop membership privileges; no guaranteed cash-equivalent value is assigned.
Conditions: Membership and store programme terms apply
Memberships · 2 items
Golden Glow membership with early sale access, extended exchange and free delivery
Shown without a cash value15% EazyDiner discount on ₹2,500+ dining bills, capped at ₹500 monthly
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Axis Bank does not publish one universal numeric income threshold for this co-brand card.
Other benefits · 2 items
Birthday and anniversary-month private-apparel discount under store terms
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹400 per statement cycle
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 20 First Citizen points per ₹200 on Shoppers Stop private labels and 12 on other Shoppers Stop brands
- ✓ Two points per ₹200 on other eligible purchases
- ✓ ₹2,550 fixed-face-value welcome package plus Golden Glow membership
- ✓ ₹500 renewal fee waived at ₹1 lakh eligible anniversary-year spend
What to watch
The 5% and 3% values require Shoppers Stop merchant-group context; generic shopping earns 0.5%. Rent and wallet loads do not count for fee waiver, and regulated categories earn no points.
Recorded exclusions
Bills Utilities · Insurance · Education Family · Rent · Fuel Commute · Wallet load · Government payments · Tolls · Gift cards
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
DCC charge and reward exclusions revised
Axis Bank applied the current DCC charge and expanded the Shoppers Stop card reward-exclusion schedule.
- Before
- The prior DCC and exclusion schedule applied.
- After
- DCC is 3.5% before tax and the current utility, insurance, education, government, stored-value, rent and fuel exclusions apply.
Checked 23 Sept 2026Axis Shoppers Stop current terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 28 Aug 2026