Axis Bank Shoppers Stop Credit Card
Axis Bank · Open to apply
Axis and Shoppers Stop's co-brand card: First Citizen points at 20 per ₹200 on Shoppers Stop private labels, 12 per ₹200 on other brands and 2 per ₹200 elsewhere (a First Citizen point is worth ₹0.50, so 5%, 3% and 0.5%), plus ₹2,250 of welcome vouchers and Golden Glow membership. ₹500 fee, waived at ₹1 lakh of spend.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 2 First Citizen points per ₹200 on everything else (0.5%): 2 First Citizen reward points per ₹200 (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20 First Citizen points per ₹200 on Shoppers Stop private-label brands (5%): 20 First Citizen reward points per ₹200 (about 5% at cash value)
- 12 First Citizen points per ₹200 on other brands at Shoppers Stop, Homestop, Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone and Smashbox (3%): 12 First Citizen reward points per ₹200 (about 3% at cash value)
Earns nothing on
- No points on transportation (cabs and local transport)
- No points on tolls, utilities and telecom, insurance, education, government, wallet loads, rent, fuel, gift cards, cash advances and EMI conversions
Where the sources disagree
- EazyDiner dining offer terms: The product page advertises 15% off up to ₹500 a month on EazyDiner for this card. The Dining Delights T&C PDF behind Axis's dining programme (created 2023-06-30) gives an offer period of 2023-07-01 to 2024-06-30 and names Axis retail cards generally, not this one. The programme's current terms (PDF of 2026-10-29, offer period 2026-10-01 to 2027-01-31) list only the Magnus Burgundy, Reserve, Olympus and Burgundy Private cards. The offer is entered as a benefit on the strength of the live product page, which still advertises it.
Terms the calculator does not value
- The calculator's spend profile has no Shoppers Stop line, so none of the 20, 12 or 2 points per ₹200 Shoppers Stop earn rates reach a result. A person who shops there regularly gets far more than the calculator shows.
- The welcome vouchers are discounts on Shoppers Stop purchases (₹5,000 and ₹2,500 minimum bills, valid two months) and are only worth their face value to someone who shops there in the first two months. The calculator counts their full value.
- Shoppers Stop's share of the points (12 on private labels, 4 on other brands, per ₹200) is paid by Shoppers Stop and Axis's share (8 per ₹200) by Axis; Shoppers Stop can change its part of the programme, and Axis accepts no liability for that.
- Eligibility income, credit limit and the exact merchant-ID list Axis uses to recognise Shoppers Stop spend were not found.
Sources
- Axis Bank Shoppers Stop Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank Shoppers Stop Credit Card Member Terms and Conditions (PDF created 2026-08-07) (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of AXIS BANK SHOPPERS STOP Credit Card Terms and Conditions, effective 2025-06-20 (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Revision of Axis Bank credit card T&C, effective 2026-08-28 (generic notice dated 2026-07-27) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank expands its omni-channel shopping segment through its credit card partnership with Shoppers Stop (press release, 2024-04-16) (Press release, the bank's own, read 6 Nov 2026)
- Axis Bank migration page for First Citizen Citi Credit Card holders (Partner's page, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Dining Delights, Axis Bank Exclusive Dining Program with EazyDiner (PDF created 2023-06-30) (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Dining Delights, Axis Bank Exclusive Dining Program with EazyDiner (PDF created 2026-10-29; offer period 2026-10-01 to 2027-01-31) (Reward terms, the bank's own, read 6 Nov 2026)