The Axis Bank Shoppers Stop Credit Card is built around the First Citizen loyalty programme, making it one of the few credit cards in India that rewards department store shopping at an accelerated rate. Every ₹200 spent on private label brands at Shoppers Stop earns 20 First Citizen accelerated points, while beauty products and other brands at the store earn 12 points per ₹200. Points flow directly into your First Citizen account, where each point carries a redemption value of ₹0.50.Welcome benefits give the card a solid start. New cardholders receive First Citizen reward points worth ₹300 on their first transaction within 30 days, plus Shoppers Stop vouchers totalling ₹2,250 redeemable at Shoppers Stop and Homestop. A complimentary Golden Glow membership further unlocks tier-specific perks within the First Citizen programme.Beyond the Shoppers Stop ecosystem, the card earns 2 First Citizen points per ₹200 on all other purchases. A 15% discount on EazyDiner (capped at ₹500 per month on minimum orders of ₹2,500) adds dining value, while a 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000.At ₹500 joining and annual fee (waivable on ₹1 lakh annual spend), the card is positioned as an entry-level co-branded product. The lack of airport lounge access, no standalone cashback structure, and low earn rate outside Shoppers Stop limit its appeal for general spending. However, for anyone already spending regularly at Shoppers Stop stores, the accelerated points and welcome vouchers deliver noticeable value.
Pros
↑20 accelerated First Citizen points per ₹200 on Shoppers Stop private label brands gives the highest earn rate among co-branded retail cards in this segment
↑Welcome benefits worth over ₹2,500 (vouchers plus First Citizen points) provide immediate value that effectively covers the first year's joining fee
↑Annual fee of ₹500 is waivable on ₹1 lakh spend, which is an achievable threshold for regular Shoppers Stop customers
Cons
↓Earn rate of 2 points per ₹200 outside Shoppers Stop (₹0.50 per point) translates to just 0.5% return, well below most entry-level cards
↓No airport lounge access at any tier, which puts it behind even zero-fee cards like the Axis My Zone that offer 4 domestic lounge visits
↓Reward points are locked into the First Citizen ecosystem with limited redemption flexibility compared to universal cashback or bank reward points
Dining
★3.0
▼
15% instant discount on EazyDiner
Maximum discount capped at ₹500 per month
Minimum order value: ₹2,500
No accelerated reward points on dining transactions
Fuel
★3.0
▼
1% fuel surcharge waiver across all fuel outlets in India
Valid on transactions between ₹400 and ₹5,000
Maximum benefit: ₹400 per statement cycle
GST on fuel surcharge is non-refundable
No reward points earned on fuel transactions
Reward Points
★3.5
▼
First Citizen reward points (₹0.50 per point)
Accelerated earning at Shoppers Stop stores
Points credited directly to First Citizen loyalty account
₹300 worth of points as welcome benefit
Redemption limited to Shoppers Stop ecosystem
Shopping
★4.0
▼
20 First Citizen points per ₹200 on Shoppers Stop private label brands
12 points per ₹200 on beauty products and other store brands
2 points per ₹200 on all other purchases
₹2,250 welcome vouchers for Shoppers Stop and Homestop
Complimentary Golden Glow membership in First Citizen programme
Nil up to ₹500 due; ₹500 (₹501-5,000); ₹750 (₹5,001-10,000); ₹1,200 (above ₹10,000)
Overlimit Charges
2.5% of overlimit amount (min ₹500)
Cash Advance Fee
2.5% of amount (min ₹500)
Card Replacement Fee
Nil
Fee For Duplicate Statement
Waived
Fee For Cheque Bounce
2% of payment amount (min ₹500)
Age Requirement Salaried
18-70 years
Age Requirement Self Employed
18-70 years
Minimum Annual Income Salaried
Not specified (bank discretion)
Minimum Annual Income Self Employed
Not specified (bank discretion)
Minimum Credit Score
700+ (indicative)
Identity Proof
PAN Card (mandatory) or Form 60
Passport
Driving License
Voter ID
Aadhaar Card
Address Proof
Driving License
Electricity Bill
Landline Telephone Bill
Passport
Aadhaar Card
Income Proof Salaried
Latest payslip
Form 16
IT return copy
Bank statement
Income Proof Self Employed
IT return copy
Bank statement
Business proof
The joining fee is ₹500, charged only for new card issuance. Add-on cards have no joining fee. This is a one-time charge that applies when the card is first issued to you.
The annual fee of ₹500 gets waived when your cumulative annual spend reaches ₹1,00,000. This threshold is achievable if you regularly use the card for shopping and daily expenses throughout the year.
The card earns First Citizen reward points, not Axis Bank EDGE Reward Points. You earn 20 points per ₹200 on Shoppers Stop private label brands, 12 points per ₹200 on beauty and other brands at the store, and 2 points per ₹200 on all other purchases. Each point is worth ₹0.50.
New cardholders receive Shoppers Stop vouchers worth ₹2,250 redeemable at Shoppers Stop and Homestop stores. You also earn First Citizen reward points worth ₹300 on your first transaction made within 30 days of card issuance. A complimentary Golden Glow membership is also included.
First Citizen is Shoppers Stop's loyalty programme. This credit card integrates directly with it, so reward points earned on the card are credited to your First Citizen loyalty account. You also receive a complimentary Golden Glow membership, which unlocks additional in-store benefits.
You earn the highest rate of 20 points per ₹200 on private label brands at Shoppers Stop. The 12-point rate applies at Shoppers Stop (other brands), Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone, and Smashbox. All other merchants earn 2 points per ₹200.
No. This card does not include any airport lounge access, whether domestic or international. If lounge access is important to you, consider a different Axis Bank card such as the My Zone or ACE Credit Card.
You get a 15% instant discount on EazyDiner restaurant bookings. The discount is capped at ₹500 per month and requires a minimum order value of ₹2,500. This applies across EazyDiner's partner restaurant network.
Yes. A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹5,000 at all fuel outlets across India. The maximum benefit is ₹400 per statement cycle. GST charged on the fuel surcharge is non-refundable.
The finance charge is 3.75% per month, equivalent to 55.55% per annum. This applies to any outstanding balance carried forward past the payment due date. Paying the full statement balance each month avoids all interest charges.
Late payment fees are tiered based on the total amount due: nil if under ₹500, ₹500 for dues between ₹501 and ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for amounts above ₹10,000. An extra ₹100 applies if minimum due is missed for two consecutive cycles.
International transactions attract a 3.5% foreign currency markup. An additional 1.5% dynamic currency conversion markup applies if you choose to pay in Indian rupees at international locations. This makes the card expensive for overseas spending.
The primary cardholder must be between 18 and 70 years old and a resident of India. Axis Bank does not publicly specify a minimum income requirement for this card. Approval depends on the bank's internal credit assessment including credit score and income documentation.
You need a PAN card (or Form 60), income proof such as latest payslip, Form 16, or IT return, and residence proof like driving license, electricity bill, or landline telephone bill. Self-employed applicants need IT returns and business proof instead of payslips.
Yes. Add-on or supplementary cards are available with no joining fee and no annual fee. The add-on cardholder's transactions also earn First Citizen reward points at the same rates. Spending on add-on cards counts toward the primary card's annual spend for fee waiver purposes.
The ₹2,250 welcome vouchers are redeemable at Shoppers Stop and Homestop outlets. These vouchers are provided upon card issuance and can be used during in-store purchases. Check the voucher terms for any minimum purchase requirements or validity period.
Cash withdrawals attract a fee of 2.5% of the withdrawn amount with a minimum charge of ₹500. Interest on cash advances starts from the date of withdrawal at 3.75% per month. Cash advances do not earn any reward points.
Yes. A 1% fee applies on rent transactions and education payments via third-party apps. Fuel transactions above ₹50,000 cumulative per statement cycle attract a 1% fee. Utility spends above ₹25,000 and wallet loads above ₹10,000 per cycle also attract 1% fees.
If your spending exceeds the credit limit, an overlimit penalty of 2.5% of the excess amount applies, with a minimum charge of ₹500. It is best to monitor your available credit to avoid this fee.
Reward points from card transactions are credited directly to your linked First Citizen loyalty account. You do not need to manually transfer or redeem them from Axis Bank. The points accumulate alongside any points earned through direct Shoppers Stop purchases.
Golden Glow is a tier in Shoppers Stop's First Citizen loyalty programme. This credit card provides complimentary Golden Glow membership, which gives you access to member-only offers, early sale access, and other Shoppers Stop privileges based on your loyalty tier.
Yes. Purchases above a certain threshold can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply. Processing fees may apply based on the tenure selected. Contact Axis Bank customer service for conversion details.
No. Card replacement is free of charge. If your card is lost, stolen, or damaged, Axis Bank will issue a replacement at no cost. Contact Axis Bank customer care to request a replacement card.
A cheque return or auto-debit reversal attracts a fee of 2% of the payment amount, with a minimum charge of ₹500. It is advisable to ensure sufficient funds in your bank account before scheduling payments to avoid this penalty.
The card combines credit card functionality with First Citizen membership benefits. Unlike a standalone membership, the credit card earns First Citizen points on all purchases everywhere, not just at Shoppers Stop. The welcome vouchers and Golden Glow membership add extra value on top of the regular loyalty programme benefits.