← Part of Axis Credit Cards in India
The Axis Bank Shoppers Stop Credit Card is a co-branded offering designed for frequent shoppers at Shoppers Stop, one of India’s leading premium fashion and beauty retailers. This card provides significant value back through accelerated reward points and exclusive benefits, with an annual fee of ₹500. As of 2026, the card aims to the omnichannel shopping experience for Shoppers Stop’s 9.8 million First Citizens Club members.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Credit Card (Axis Bank & Shoppers Stop) |
| Primary Focus | Rewards and benefits on purchases at Shoppers Stop and partner brands |
| Issuing Banks | Axis Bank |
| Retail Partner | Shoppers Stop |
| Annual Fee | ₹500 |
| Joining Fee | ₹500 plus applicable taxes |
| Renewal Fee | ₹500 (waived on cumulative spend of ₹1 lakh and above) |
| Welcome Benefits | Complimentary Shoppers Stop vouchers worth ₹2,250; Complimentary Golden Glow Membership; First Citizen reward points worth ₹300 on first use within 30 days |
| Reward Points (Shoppers Stop) | 10X reward points on purchases at Shoppers Stop; 6X reward points on beauty products and select brands at Shoppers Stop |
| Reward Points (Private Label Brands) | Unlimited 20 First Citizen accelerated points for every ₹200 spent on Shopper’s Stop private label brands |
| Reward Points (Auto-Credit) | First Citizen Reward Points auto-credited post first transaction |
| Reward Point Redemption Value | 1 First Citizen Point = ₹1 (redeemable at Shoppers Stop, Homestop, and partner brands) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on all fuel outlets in India (up to ₹250 per statement cycle) |
| Dining Benefits | 15% instant discount via EazyDiner (capped at ₹500 per month, on minimum order value of ₹2,500) |
| Weekend Shopping Benefit | Earn ₹500 per month for a single purchase of ₹15,000 or above on Shoppers Stop (Friday, Saturday, Sunday; capped once a month, five times a year) |
| Discount Vouchers | ₹500 discount on merchandise worth ₹5,000+ at Shoppers Stop (min. ₹4,500 paid via card); Discount on merchandise worth ₹2,500+ (min. ₹2,000 paid via card) |
| Eligibility (Age) | 18 to 70 years |
| Eligibility (Residency) | Resident of India |
| Monthly Interest Charges | 3.6% per month |
| Annual Interest Charges | 52.86% annually |
| Late Payment Fee | Up to ₹1,200 (depending on outstanding amount) |
| Lounge Access | Not included |
| Renewal Benefits | No dedicated renewal benefits beyond fee waiver |
| Terms & Conditions Update | Updated w.e.f. June 20, 2025 |
This co-branded card uses Axis Bank’s financial solutions and Shoppers Stop’s extensive network, offering tailored rewards for loyal customers. The card’s benefits are primarily concentrated on the shopping experience at Shoppers Stop outlets and its associated brands.
Axis Bank Shoppers Stop Credit Card in India: Types, Categories & Key Components Explained
The Axis Bank Shoppers Stop Credit Card, launched in collaboration with Shoppers Stop, offers a range of benefits tailored for frequent shoppers. This co-branded card provides welcome benefits worth ₹2,250 and complimentary Golden Glow Membership, the shopping experience at Shoppers Stop and its partner brands.
| Type/Category | Details | Key Feature |
|---|---|---|
| Co-branded Credit Card | Issued by Axis Bank in partnership with Shoppers Stop. | Designed to offer exclusive rewards and privileges for shopping. |
| Welcome Benefit | ₹2,250 redeemable at Shoppers Stop and Homestop. | Credited upon first use within 30 days of issuance. |
| Membership Benefit | Complimentary ‘Shoppers Stop First Citizen Club Golden Glow’ membership. | Includes extended exchange period (45 days), free home delivery, and birthday offers. |
| Reward Points – Shoppers Stop (10X) | 10X reward points on purchases at Shoppers Stop. | Maximizes value for regular Shoppers Stop customers. |
| Reward Points – Beauty & Select Brands (6X) | 6X reward points on beauty products and other select brands at Shoppers Stop. | Specific to categories like beauty, rewards for niche spending. |
| Reward Points – Private Label Brands (20 First Citizen Points) | Unlimited 20 First Citizen accelerated points for every ₹200 spent on Shopper’s Stop private label brands. | Points are directly credited to the customer’s First Citizen loyalty account. |
| Reward Points – General Spends (2 First Citizen Points) | Unlimited 2 First Citizen points for every ₹200 spent elsewhere. | Applies to non-Shoppers Stop transactions. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel outlets in India, capped at ₹250 per statement cycle. | Valid on transactions between ₹400 and ₹5,000. |
| Dining Privileges | 15% instant discount via EazyDiner, capped at ₹500 per month. | Requires a minimum order value of ₹2,500. |
| Weekend Shopping Benefit | Earn ₹500 per month for a single purchase of ₹15,000 or above at Shoppers Stop on Friday, Saturday, or Sunday. | Capped at once per month and five times per year. |
| Reward Redemption | Points redeemable at Shoppers Stop, Homestop, and partner brands (Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox). | 1 First Citizen Point is approximately ₹0.70 in value. |
| Annual Fee | ₹500 plus applicable taxes. | Waived on cumulative spends of ₹1 lakh and above in the preceding year. |
| Joining Fee | ₹500 plus applicable taxes. | One-time fee charged upon card issuance. |
| Interest Charges | 3.6% per month, equating to 52.86% annually. | Applied to outstanding balances if not paid by the due date. |
| Late Payment Fee | Up to ₹1,200, depending on the outstanding amount. | Charged for payments missed after the due date. |
The card’s structure focuses on maximizing rewards for shopping at Shoppers Stop and its associated brands, making IT a suitable choice for loyal customers. Eligibility requires Indian residency and an age between 18 and 70 years, with applications available online or at Axis Bank branches.
Axis Bank Shoppers Stop Credit Card in India: Key Statistics & Data Points for 2026
The Axis Bank Shoppers Stop Credit Card offers a welcome benefit of ₹2,250 redeemable at Shoppers Stop and Homestop, alongside a complimentary Golden Glow Membership. As of 2026, the card carries an annual fee of ₹500, which can be waived on cumulative spends of ₹1 lakh or more.
| Metric | Value | Source |
|---|---|---|
| Annual Fee | ₹500 (waived on ₹1 lakh annual spend) | Axis Bank, Paisabazaar |
| Joining Fee | ₹500 plus applicable taxes | Axis Bank |
| Renewal Fee | ₹500 (waived on ₹1 lakh cumulative spend) | Axis Bank |
| Welcome Benefit (Vouchers) | ₹2,250 redeemable at Shoppers Stop and Homestop | Axis Bank, UrbanMoney |
| First Transaction Benefit | ₹300 First Citizen reward points (within 30 days of issuance) | CardInsider |
| Interest Charges (Monthly) | 3.6% per month | Axis Bank |
| Interest Charges (Annually) | 52.86% annually | Axis Bank |
| Late Payment Fee | Up to ₹1,200 (depending on outstanding amount) | Axis Bank |
| Age Eligibility | 18 to 70 years | BankBazaar |
| Residency Requirement | Resident of India | Axis Bank |
| Reward Points (Shoppers Stop) | 10X reward points on purchases | Paisabazaar |
| Reward Points (Beauty & Select Brands) | 6X reward points on beauty products and select brands | Paisabazaar |
| Reward Points (Private Label Brands) | 20 First Citizen accelerated points for every ₹200 spent | Axis Bank |
| Fuel Surcharge Waiver | 1% (capped at ₹250 per statement cycle) | Moneycontrol |
| EazyDiner Discount | 15% (capped at ₹500/month, min. Order ₹2,500) | Paisabazaar |
| Weekend Shopping Benefit | Earn ₹500/month on single purchase of ₹15,000+ at Shoppers Stop (Fri-Sun) | Moneycontrol |
| Complimentary Membership | Shoppers Stop First Citizen Club Golden Glow Membership | Axis Bank |
| Shoppers Stop First Citizen Club Member Base | 9.8 million (as of 2026) | Axis Bank |
| Credit Card Rule Changes Effective Date | April 1, 2026 (RBI) | RBI |
The card’s reward structure heavily favors Shoppers Stop purchases, offering up to 20 First Citizen accelerated points for every ₹200 spent on private label brands, reinforcing its value for frequent shoppers at the store.
How Axis Bank Shoppers Stop Credit Card in India Works: Process, Steps & Key Details
Applying for the Axis Bank Shoppers Stop Credit Card in India involves meeting specific eligibility criteria and submitting required documents. As of 2026, applicants must be Indian residents between 18 and 70 years old, with the application process available both online and at Axis Bank branches.
The card offers a range of benefits, including welcome rewards and accelerated points on Shoppers Stop purchases, the shopping experience for loyal customers.
- Eligibility Criteria: Applicants must be residents of India, aged between 18 and 70 years, to be considered for the Axis Bank Shoppers Stop Credit Card. The bank reserves the right to approve or decline applications based on internal policies.
- Application Methods: Prospective cardholders can apply online through the official Axis Bank website or by visiting any Axis Bank branch in person. Both channels require submission of necessary documentation.
- Required Documents: Key documents include proof of residence (e.g., landline telephone bill, electricity bill, driving license), proof of income (e.g., IT Returns, Form 16, latest salary slip), and a PAN Card.
- Welcome Benefits: New cardholders receive ₹2,250 redeemable at Shoppers Stop and Homestop, along with ₹300 worth of First Citizen reward points upon first use within 30 days of issuance.
- Golden Glow Membership: The card provides a complimentary Shoppers Stop First Citizen Club Golden Glow Membership, which includes benefits like an extended 45-day exchange period, free home delivery, and exclusive birthday offers.
- Reward Point Structure: Cardholders earn 10X reward points on most purchases at Shoppers Stop, 6X points on beauty products, and an unlimited 20 First Citizen accelerated points for every ₹200 spent on Shopper’s Stop private label brands.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable at all fuel outlets across India, capped at ₹250 per statement cycle, providing savings on fuel expenses.
- Dining Discounts: Cardholders can avail a 15% instant discount at EazyDiner, capped at ₹500 per month, on a minimum order value of ₹2,500.
- Weekend Shopping Bonus: On Fridays, Saturdays, and Sundays, a single purchase of ₹15,000 or more at Shoppers Stop earns ₹500 per month, capped at five times annually.
- Terms and Conditions Update: The terms and conditions for the Axis Bank Shoppers Stop Credit Card are scheduled for an update effective June 20, 2025, which may impact existing features or benefits.
Understanding these operational details helps applicants the process and maximize the card’s benefits for their shopping needs.
Axis Bank Shoppers Stop Credit Card in India: Benefits, Advantages & Why Students Choose IT
The Axis Bank Shoppers Stop Credit Card offers significant value for frequent shoppers at Shoppers Stop, providing welcome benefits worth ₹2,250 and accelerated reward points. Cardholders receive a complimentary Golden Glow Membership, which includes an extended exchange period of 45 days and free home delivery.
This co-branded card, launched in partnership with one of India’s largest private sector banks and a leading fashion retailer, focuses on the omnichannel shopping experience for its users.
- Welcome Benefits: New cardholders receive ₹2,250 redeemable at Shoppers Stop and Homestop, along with First Citizen reward points worth ₹300 upon first use within 30 days of issuance.
- Accelerated Reward Points: Earn 10X reward points on all purchases at Shoppers Stop, and 6X reward points on beauty products and other select brands within Shoppers Stop.
- Private Label Brand Rewards: Get unlimited 20 First Citizen accelerated points for every ₹200 spent on Shopper’s Stop private label brands.
- Golden Glow Membership: Enjoy a complimentary Shoppers Stop First Citizen Club Golden Glow membership, offering exclusive sale previews and birthday offers.
- Weekend Shopping Bonus: Earn ₹500 per month for a single purchase of ₹15,000 or more at Shoppers Stop on Fridays, Saturdays, or Sundays, capped at five times annually.
- Dining Discounts: Avail a 15% instant discount via EazyDiner, capped at ₹500 per month, on a minimum order value of ₹2,500.
- Fuel Surcharge Waiver: Benefit from a 1% fuel surcharge waiver at all fuel outlets across India, up to ₹250 per statement cycle.
- Shopping Vouchers: Receive a ₹500 discount on merchandise worth ₹5,000 and more at Shoppers Stop stores, including Airport and Homestop outlets, when paying a minimum of ₹4,500 with the card.
The card’s benefits are tailored for individuals who frequently shop at Shoppers Stop and its associated brands, maximizing savings through rewards and exclusive privileges.
Axis Bank Shoppers Stop Credit Card in India: Vs Alternatives: Which Option is Best?
The Axis Bank Shoppers Stop Credit Card offers specific benefits for frequent shoppers at Shoppers Stop, including welcome vouchers worth ₹2,250 and a complimentary Golden Glow Membership. However, alternative cards like the Shoppers Stop HDFC Bank Credit Card also provide tailored rewards, making a direct comparison for optimal value.
| Feature | Axis Bank Shoppers Stop Credit Card (2026) | Shoppers Stop HDFC Bank Credit Card (2026) | Flipkart Axis Bank Credit Card (2026) |
|---|---|---|---|
| Annual Fee | ₹500 (waived on ₹1 lakh annual spend) | ₹299 plus applicable taxes | ₹500 (waived on ₹2 lakh annual spend) |
| Welcome Benefits | ₹2,250 Shoppers Stop vouchers; Complimentary Golden Glow Membership; ₹300 First Citizen reward points on first use within 30 days | Complimentary Shoppers Stop Silver Edge membership worth ₹350; 2,000 First Citizen Points on ₹2 lakh annual spend | ₹500 Flipkart voucher; 15% cashback on first Flipkart transaction (up to ₹500) |
| Reward Points on Shoppers Stop Private Label Brands | Unlimited 20 First Citizen accelerated points for every ₹200 spent | Unlimited 20 First Citizen accelerated points for every ₹200 spent | Not applicable |
| Reward Points on Beauty Products & Other Brands at Shoppers Stop | Unlimited 12 First Citizen accelerated points for every ₹200 spent | Unlimited 12 First Citizen accelerated points for every ₹200 spent | Not applicable |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on all fuel outlets in India (up to ₹250 per statement cycle) | 1% fuel surcharge waiver at all fuel stations in India | 1% fuel surcharge waiver (up to ₹500 per month) |
| Dining Benefits | 15% instant discount via EazyDiner (capped at ₹500 per month, min order ₹2,500) | Not specified | 20% instant discount at partner restaurants via Axis Bank Dining Delights |
| Online Transaction Rewards (Non-Shoppers Stop) | Not specified | Earn points on online transactions in categories like Fashion & Beauty | 5% cashback on Flipkart, Myntra; 4% cashback on Swiggy, Zomato, Uber |
| Lounge Access | No lounge access | Not specified | 4 complimentary domestic lounge visits per year |
While the Axis Bank Shoppers Stop Credit Card excels in dedicated Shoppers Stop rewards and dining discounts, the Shoppers Stop HDFC Bank Credit Card offers a lower annual fee. For broader online shopping benefits beyond Shoppers Stop, the Flipkart Axis Bank Credit Card presents a strong alternative with significant cashback on e-commerce and food delivery platforms.
Common Misconceptions About Axis Bank Shoppers Stop Credit Card in India
The Axis Bank Shoppers Stop Credit Card offers specific benefits for frequent Shoppers Stop customers, but several common misunderstandings exist regarding its features. For instance, the card does not provide lounge access or general renewal benefits beyond the annual fee waiver criteria.
- Misconception 1: Universal High Reward Rate: While the card offers 10X reward points on Shoppers Stop purchases and 6X on beauty products, this high rate is specific to these categories. Other retail spends earn standard points, not the accelerated rates.
- Misconception 2: Lounge Access Included: The Axis Bank Shoppers Stop Credit Card does not come with complimentary airport lounge access. Cardholders seeking lounge benefits should consider other credit card options.
- Misconception 3: Automatic Renewal Benefits: The card does not offer automatic renewal benefits. The annual fee of ₹500 is waived only upon achieving a cumulative spend of ₹1 lakh or more in the preceding year.
- Misconception 4: Instant Point Redemption: First Citizen Reward Points are auto-credited post the first transaction but are redeemable at Shoppers Stop and partner brands like Homestop, Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox, not instantly convertible to cash.
- Misconception 5: All Purchases Earn 20 First Citizen Points: The accelerated 20 First Citizen points for every ₹200 spent is specifically for private label brands of Shopper’s Stop, not all purchases within the store.
Understanding these specific terms helps cardholders maximize the value of their Axis Bank Shoppers Stop Credit Card for their shopping needs.
What to Do Next: Actionable Steps
Applying for the Axis Bank Shoppers Stop Credit Card in 2026 involves a straightforward process, primarily online or at an Axis Bank branch. Applicants must be Indian residents between 18 and 70 years old, providing proof of income and residence for verification.
- Verify Eligibility: Confirm you are a Resident of India and fall within the 18 to 70 years age range as of 2026.
- Gather Documents: Prepare proof of residence (e.g., electricity bill, driving license), proof of income (e.g., latest salary slip, Form 16, IT Returns), and your PAN Card.
- Choose Application Method: Apply online via the official Axis Bank website or visit any Axis Bank branch in person.
- Review Terms & Conditions: Be aware that the terms and conditions for the Axis Bank Shoppers Stop Credit Card will be updated effective June 20, 2025.
- Understand Fees: The card carries a joining fee of ₹500 plus taxes and an annual fee of ₹500, which can be waived on cumulative spends of ₹1 lakh or more.
- Note RBI Rule Changes: Be aware of new RBI credit card rules, including authentication mechanisms for digital payments, effective April 1, 2026.
Key Takeaways
- The Axis Bank Shoppers Stop Credit Card offers welcome benefits worth ₹2,250 redeemable at Shoppers Stop and Homestop.
- Cardholders receive a complimentary Golden Glow Membership, providing benefits like an extended 45-day exchange period and free home delivery.
- The card provides 10X reward points on Shoppers Stop purchases and a 1% fuel surcharge waiver up to ₹250 per statement cycle.
Check your eligibility and apply for the Axis Bank Shoppers Stop Credit Card directly on the official Axis Bank website or at your nearest branch.
Frequently Asked Questions (FAQs)
What are the main benefits of the Axis Bank Shoppers Stop Credit Card?
The Axis Bank Shoppers Stop Credit Card offers 10X reward points on purchases at Shoppers Stop and 6X points on beauty products. Cardholders receive a complimentary ‘Shoppers Stop First Citizen Club Golden Glow’ membership, which includes benefits like an extended 45-day exchange period and free home delivery. You also get a 1% fuel surcharge waiver across all fuel outlets in India.
What are the annual fees for the Axis Bank Shoppers Stop Credit Card?
The Axis Bank Shoppers Stop Credit Card has an annual fee of ₹500. This fee provides access to accelerated reward points and exclusive Shoppers Stop benefits. Always verify the latest fee structure on the Axis Bank website as of 2026.
How do I redeem First Citizen Points earned with this credit card?
You can redeem accumulated First Citizen Points directly against purchases at Shoppers Stop and its partner brands, including Homestop, Arcelia, MAC, and Clinique. Each First Citizen Point is typically valued at ₹0.70 when redeemed for shopping. Check the Axis Bank terms and conditions for the most current redemption value.
What are the eligibility criteria for the Axis Bank Shoppers Stop Credit Card?
Applicants must be residents of India and meet Axis Bank’s internal age and income requirements. While specific income thresholds vary, a strong CIBIL score above 750 generally improves approval chances. Axis Bank reserves the right to approve or decline applications based on their assessment.
Does the Axis Bank Shoppers Stop Credit Card offer dining benefits?
Yes, the card provides a 15% instant discount via EazyDiner, capped at ₹500 per month. This discount is valid on a minimum order value of ₹2,500. This dining privilege adds value beyond shopping rewards.
Are there any welcome benefits with the Axis Bank Shoppers Stop Credit Card?
Upon activation, cardholders typically receive welcome benefits such as 2,250 redeemable First Citizen Points at Shoppers Stop and Homestop. You also get a complimentary Golden Glow Membership, your initial shopping experience. Verify current welcome offers on the Axis Bank website for 2026.
When were the terms and conditions for the Axis Bank Shoppers Stop Credit Card last updated?
The terms and conditions for the Axis Bank Shoppers Stop Credit Card were updated effective June 20, 2025. IT is advisable to review the latest terms on the official Axis Bank website for any changes impacting your card usage in 2026. RBI guidelines for credit cards are also updated periodically.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.