Entry-level co-branded card offering 10X rewards, unlimited points, and Rs. 2,250 welcome voucher.
Earn 10X on private labels, 6X on beauty, 1X on other spends
Get Golden Glow Membership and ₹2,250 Shoppers Stop voucher
Rs. 500 + applicable taxes (waived on Rs. 1 lakh annual spends)
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| Benefit | Details |
|---|---|
| Welcome Benefits | Complimentary Golden Glow Membership plus Rs. 2,250 voucher, delivering value significantly higher than annual fee. |
| 10X Rewards on Private Labels | Earn 20 First Citizen Points per Rs. 200 on private labels, highest reward rate. |
| 6X Rewards on Select Brands | Earn 12 points per Rs. 200 on beauty and select premium brands at Shoppers Stop. |
| Base Rewards on All Other Spends | Earn 2 points per Rs. 200 on all other eligible everyday transactions outside Shoppers Stop. |
| Unlimited Rewards — No Capping | Enjoy unlimited First Citizen Points with no monthly or annual caps on earnings. |
| 1:1 Redemption at Shoppers Stop | Redeem points at Rs. 1 per point across Shoppers Stop and partner premium brands. |
| EazyDiner Dining Discount | Get 15% dining discount up to Rs. 500 monthly via EazyDiner on Rs. 2,500 minimum bill. |
| Fuel Surcharge Waiver | Receive 1% waiver on fuel spends between Rs. 400 and Rs. 5,000, capped at Rs. 400 monthly. |
| Annual Fee Waiver | Annual fee of Rs. 500 waived on achieving Rs. 1 lakh total annual card spends. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank (Co-branded with Shoppers Stop) |
| Bank / Non-bank | Bank-affiliated |
| Category | Entry-Level Co-branded Retail / Shopping |
| Type of Card | Visa Credit Card |
| Free or Paid | Rs. 500 + applicable taxes annually (waived on Rs. 1 lakh annual spends) |
The Axis Bank Shoppers Stop Credit Card is an entry-level co-branded card for loyal Shoppers Stop customers, offering strong rewards at a low annual fee. Priced at ₹500 annually, waived on ₹1 lakh spends, it delivers high value with a ₹2,250 welcome voucher and Golden Glow Membership. The card features unlimited First Citizen Points with no cap, earning 10X on private labels and 6X on select brands. Points redeem at a 1:1 ratio across Shoppers Stop and premium partner brands. Additional benefits include dining discounts via EazyDiner and a fuel surcharge waiver, enhancing everyday usability.
A Migration from the First Citizen Citi Credit Card: The Axis Bank Shoppers Stop Credit Card succeeds the Citi variant, retaining the First Citizen Points system while updating rewards, benefits, and overall structure.
Unlimited 10X Rewards on Shoppers Stop Private Labels: Earn 20 First Citizen Points per ₹200 on Shoppers Stop private labels, delivering 10% value-back with no monthly or annual earning caps.
6X Rewards on Beauty and Select Brands: Earn 12 points per ₹200 on premium beauty brands like MAC Cosmetics and Estée Lauder, with no earning restrictions .
1:1 Redemption at Shoppers Stop and Premium Partner Brands: First Citizen Points redeem at ₹1 per point across Shoppers Stop, Homestop, Arcelia, and premium partner brands, ensuring transparent and predictable value realisation.
Welcome Package Value Advantage: Complimentary Golden Glow Membership and ₹2,250 voucher significantly exceed the ₹500 annual fee, making first-year ownership highly cost-effective for frequent shoppers.
EazyDiner Dining Discount: Get 15% discount up to ₹500 monthly at partner restaurants via EazyDiner, adding meaningful dining savings alongside retail-focused benefits.
Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum monthly benefit capped at ₹400 on eligible fuel spends.
Annual Fee Waiver on Spending: ₹500 annual fee is waived on ₹1 lakh yearly spends, making the card effectively free for regular users with consistent shopping and everyday transactions.
No Travel or Lifestyle Benefits: This card focuses solely on shopping rewards and lacks airport lounge access, travel insurance, concierge services, or broader lifestyle privileges commonly seen in premium cards.
20 First Citizen Points Per Rs. 200 on Shoppers Stop Private Labels
Earn 20 First Citizen Points for every Rs. 200 spent on Shoppers Stop's own private label brands. At the 1:1 redemption ratio, this translates to a 10% effective value-back on all private label purchases. There is no monthly or annual cap on earning in this category — high-volume Shoppers Stop shoppers can accumulate points without restriction across all private label spends.
12 First Citizen Points Per Rs. 200 on Beauty and Select Brands at Shoppers Stop
Earn 12 First Citizen Points per Rs. 200 on beauty products and other select brands stocked at Shoppers Stop. This includes premium beauty counters such as MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone, and Smashbox, delivering a 6% effective value-back on these high-value beauty purchases. No earning cap applies on this category either.
2 First Citizen Points Per Rs. 200 on All Other Spends
All other eligible retail transactions outside Shoppers Stop earn 2 First Citizen Points per Rs. 200. This base earning rate applies across general everyday spending categories including groceries, dining, online shopping, and other retail purchases, ensuring consistent reward accumulation even on non-Shoppers Stop transactions.
Redemption Value: 1 First Citizen Point = Rs. 1. The 1:1 ratio applies on redemptions made at Shoppers Stop and all listed partner brands, making the value of every First Citizen Point completely transparent and predictable.
Redemption Options: First Citizen Points are redeemable against purchases at Shoppers Stop, Homestop, Arcelia, MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone, and Smashbox. Redemptions are made at the point of sale within the Shoppers Stop retail and partner brand ecosystem. Points cannot be redeemed for cashback, statement credit, or any non-Shoppers Stop purchase.
Complimentary Shoppers Stop Golden Glow Membership
On card activation, new cardholders receive a complimentary Shoppers Stop Golden Glow Membership. This membership tier grants access to exclusive pricing, priority sale access, and special member privileges within the Shoppers Stop programme providing ongoing value throughout the membership period beyond the joining voucher.
Shoppers Stop Voucher Worth Rs. 2,250
A Shoppers Stop voucher worth Rs. 2,250 is issued as part of the welcome package, redeemable for purchases at any Shoppers Stop store. This single voucher alone is worth 4.5 times the Rs. 500 annual fee, making the first year of card ownership exceptionally rewarding for any active Shoppers Stop shopper.
15% Discount Through EazyDiner, Up to Rs. 500 Per Month
Cardholders enjoy a 15% discount on dining bills at EazyDiner partner restaurants when paying with the Axis Bank Shoppers Stop Credit Card. The monthly discount is capped at Rs. 500 and is applicable on a minimum order value of Rs. 2,500 per transaction. For cardholders who dine out once or twice a month and meet the minimum order threshold, this benefit can save up to Rs. 500 every month potentially Rs. 6,000 annually.
A 1% fuel surcharge waiver applies on fuel purchases at petrol stations across India when the transaction value falls between Rs. 400 and Rs. 5,000. The maximum monthly benefit from the fuel surcharge waiver is capped at Rs. 400. Transactions below Rs. 400 or above Rs. 5,000 per transaction are not eligible for the waiver.
The Rs. 500 annual renewal fee is completely waived for cardholders who achieve total annual card spends of Rs. 1 lakh in their membership year. At approximately Rs. 8,333 per month, this threshold is readily achievable for most regular card users who combine Shoppers Stop purchases with everyday spending on the card.
First Citizen Points are not earned on the following transaction types:
Cash advance transactions
Wallet loads and prepaid card reloads
EMI transactions
Rent payments
Government and utility payments
Outstanding balance and card fee payments
Fuel purchases (fuel surcharge waiver applies, but points are not earned on fuel transactions)
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Rs. 500 + applicable taxes | One-time charge on card issuance. More than offset by the Rs. 2,250 welcome voucher and Golden Glow Membership. |
| Annual / Renewal Fee | Rs. 500 + applicable taxes | Charged annually. Fully waived on achieving Rs. 1 lakh in total annual card spends in the membership year. |
| Finance Charges | 3.60% per month (52.86% per annum) | Applicable on outstanding balances carried past the payment due date. The annual rate of 52.86% p.a. is higher than the industry standard 45% p.a. — always pay in full to avoid this charge. |
| Late Payment Charges | Tiered structure | Based on outstanding statement balance: Up to Rs. 500: Nil; Rs. 501 to Rs. 5,000: Rs. 500; Rs. 5,001 to Rs. 10,000: Rs. 750; Greater than Rs. 10,000: Rs. 1,200. |
| Fuel Surcharge | 1% waiver on Rs. 400–Rs. 5,000 transactions | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000; capped at Rs. 400 maximum benefit per month. |
| Criteria | Details |
|---|---|
Age | Minimum 18 years, Maximum 70 years (as per Axis Bank's standard credit card eligibility criteria) |
Occupation | Salaried or Self-employed |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750+) recommended for approval |
Application Mode | Online via Axis Bank's official website or offline at the nearest Axis Bank branch |
| Document Type | Details |
|---|---|
| Identity Proof | Any one: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address / Residence Proof | Any one: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (not older than 2 months) |
| Income Proof | Latest salary slip (for salaried) / Latest 3-6 months' bank statements / Form 16 / IT return acknowledgment (for self-employed) |
| PAN Card | Mandatory for credit card issuance as per RBI guidelines |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Axis Bank Shoppers Stop Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Private Label Purchases | Always use this card for Shoppers Stop private label brand purchases to earn the maximum 20 First Citizen Points per Rs. 200 (10% effective value-back). Plan your wardrobe and lifestyle shopping around Shoppers Stop's own labels to extract the highest possible reward rate. |
Use for Beauty Brand Purchases | Route all MAC, Clinique, Estee Lauder, Bobbi Brown, Jo Malone, and Smashbox purchases through this card to earn 12 First Citizen Points per Rs. 200 (6% value-back) on these premium beauty brands available at Shoppers Stop counters. |
Claim Welcome Benefits Immediately | Activate your Golden Glow Membership and use the Rs. 2,250 Shoppers Stop voucher as soon as possible after card issuance. The welcome voucher represents 4.5x the annual fee and should not be left to expire. |
Leverage Unlimited Points — No Cap | Unlike most co-branded cards with monthly earning caps, First Citizen Points on this card are truly unlimited. High-spending months at Shoppers Stop — during seasonal sales, festive seasons, or end-of-season clearances — should be fully channelled through this card to maximise uncapped accumulation. |
Use EazyDiner Discount Monthly | Plan at least one dining outing per month at an EazyDiner partner restaurant with a bill of Rs. 2,500 or more to extract the 15% discount (capped at Rs. 500 per month). Consistent monthly use of this benefit can yield up to Rs. 6,000 in annual dining savings. |
Use for Fuel Between Rs. 400 and Rs. 5,000 | Fuel transactions between Rs. 400 and Rs. 5,000 attract a 1% surcharge waiver. Keep individual fuel transactions within this range to benefit from the waiver, noting the maximum monthly cap of Rs. 400. |
Target Rs. 1 Lakh Annual Spend for Fee Waiver | Track your annual card spending and aim to reach Rs. 1 lakh before your card anniversary to secure the full annual fee waiver. Combining Shoppers Stop purchases with everyday spends makes this threshold easily achievable for most regular card users. |
Redeem at Partner Beauty Brands for Full Value | When redeeming First Citizen Points, use them against purchases at Shoppers Stop and its premium partner brands at the 1:1 ratio. This ensures you extract full value from every point earned. |
Pay Your Bill in Full Every Month | The finance charge of 3.60% per month (52.86% p.a.) is higher than the standard 45% p.a. on most credit cards. Always pay your full outstanding balance before the due date to avoid this elevated interest charge and to maintain the card's overall value proposition. |
Do Not Rely on This Card for Travel | This card offers no lounge access, travel insurance, or travel-linked rewards. For travel requirements, use a dedicated travel credit card alongside this one and reserve the Axis Bank Shoppers Stop Credit Card for its intended use — Shoppers Stop and partner brand purchases. |
The Axis Bank Shoppers Stop Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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