Axis Bank Shoppers Stop Credit Card: Features, Benefits, Charges

Bio

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

  • 24 Dec 25
  • 5 mins
axis bank shoppers stop credit card

Axis Bank Shoppers Stop Credit Card: Features, Benefits, Charges

avatar of saurabh agrawal
avatar of saurabh agrawal Saurabh Agrawal
  • 08 Mins
  • 24-12-25

Key Takeaways: 

  • Earn up to 20 First Citizen Points per ₹200.
  • Unlock up to ₹2,550 in welcome rewards.
  • Enjoy Golden Glow perks after the 1st transaction.
  • Annual fee waived on ₹1 lakh spends.
  • Access 3 exclusive Shoppers Stop Sale yearly.

The Axis Bank Shoppers Stop Credit Card is a co-branded card built for shoppers who love value on fashion and lifestyle purchases. It offers unlimited rewards with no capping and higher returns on accelerated categories.

If you shop often at Shoppers Stop or its partner brands, this low annual fee card can add strong savings to your routine spends. You also receive welcome benefits worth up to ₹2,550, making it a solid starting advantage.

Exclusive Axis Bank Shoppers Stop Credit Card Benefits

Axis Bank Shoppers Stop Credit Card

To start things off, the card grants you a complimentary First Citizen Club Golden Glow membership with early access to exclusive Shoppers Stop deals.

This forms a strong foundation for the additional benefits ahead.

  1. High Rewards on Shoppers Stop Spends: Earn up to 20 First Citizen Club Reward Points for every ₹200 spent on exclusive brands at Shoppers Stop. This gives strong value to premium fashion purchases.
  2. Rewards on Other Shoppers Stop Purchases: Earn up to 12 Reward Points per ₹200 spent across other eligible categories at Shoppers Stop. Build points quickly with frequent shopping.
  3. Rewards Beyond Shoppers Stop: Earn 2 Reward Points per ₹200 on non–Shoppers Stop transactions. Stay rewarded even for everyday spending outside the store.
  4. Exclusive Sale Previews: Get special access to two end-of-season sales and one festive sale each year at Shoppers Stop. These offers renew every calendar year and do not carry forward to the next year.

Breakdown of the Welcome Benefits

Your journey starts with a welcome kit that holds all your reward vouchers. Make your first transaction and a complimentary Golden Glow Membership unlocks at once and this offers premium benefits from day one.

  1. Get 300 First Citizen Reward Points on your first transaction within 30 days of card issuance. Points are auto-credited after the first spend.
  2. Receive 3 ₹500 Shoppers Stop vouchers on achieving ₹5,000 spend at Shoppers Stop or HomeStop.
  3. Get 1 ₹500 voucher redeemable on a ₹2,500 spend on Shoppers Stop Exclusive Brands.
  4. Enjoy an online voucher worth ₹250 for purchases on the Shoppers Stop website using your credit card.

Note: Welcome benefits stay active even if transactions are reversed.

Download the Pice App and link all your credit cards. Our customer-friendly app will help you download statements, set automated reminders and pay credit card bills. All these will need a few simple clicks! 

How Can You Earn First Citizen Reward Points? 

The Axis Bank Shoppers Stop Credit Card rewards all your spends with clear and structured First Citizen (FC) Points. The system is simple to follow and credits points directly into your First Citizen account.

  1. Base Rewards on Non-Shoppers Stop Spends

You earn 2 FC Points per ₹200 on all spends outside Shoppers Stop, HomeStop, Arcelia, MAC, Clinique, Estée Lauder, Bobbi Brown, Jo Malone and Smashbox. The bank credits these 2 points after every statement cycle.

  1. 20 FC Points on Shoppers Stop Exclusive Brands

You earn 20 FC Points per ₹200 on Shoppers Stop Exclusive Brands. Shoppers Stop credits 12 points within 48 hours. Axis Bank adds 8 points after the statement cycle.

  1. 12 FC Points on Other Shoppers Stop Brands

You earn 12 FC Points per ₹200 on other eligible brands at Shoppers Stop. Shoppers Stop credits 4 points within 48 hours. Axis Bank credits 8 points after the statement cycle.

Golden Glow Privileges with the Axis Bank Shoppers Stop Credit Card

Unlock premium First Citizen Golden Glow perks with the Axis Bank Shoppers Stop Credit Card. This tier adds strong value and enhances your overall shopping experience.

  1. Earn 4 First Citizen Points on every ₹200 spent.
  2. Enjoy an extended 45-day exchange period.
  3. Get free home delivery of altered garments within city limits.
  4. Receive all Silver Edge benefits under the Golden Glow tier.
  5. Join the tier with yearly spends of ₹15,000.
  6. Move to the next tier with yearly spends of ₹40,000.

Note: No reward points on gold coins or gold watches in stores or online.

Axis Bank Shoppers Stop Credit Card Charges

The card carries a ₹500 joining fee for new users. The annual fee is also ₹500 and is waived after spending ₹1 lakh in a year. 

Now, let us look at the other charges linked to this card.

ParametersCharges
Cash Payment Charges₹175
Card Replacement FeeNIL
Finance Charges3.75% (monthly); 55.55% (annually)
Cash Withdrawal Fees2.5% (min. ₹500)
Late Payment Fees<₹500 = NILAfter which it ranges between ₹500 - ₹10,000 depending on the amount.

Have you downloaded the Pice App yet? With automated payment reminders and seamless credit card bill payment options, it will be your one-stop solution for managing all your credit cards. So, do not wait and download the app today!

Footnotes:

  1. Welcome offers apply only to customers who receive the card on or after 1 May, 2024 through Axis Bank channels. Customers who moved from another credit card before 31 July, 2024 do not receive this offer.
  2. If any transaction is reversed, the bank reverses its share of First Citizen Points by the 10th of the following month.

FAQs

When does Axis credit its share of FC Points?

Axis credits its share of First Citizen Points after the statement cycle and these points reach your First Citizen account by the 10th of every month.

Does the Axis Bank Shoppers Stop Credit Card offer a fuel surcharge waiver?

The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. You can save up to ₹400 per statement cycle, while GST on the surcharge stays non-refundable.

What are the other benefits offered by Axis Bank Shoppers Stop Credit Card?

You get a 15% instant discount on EazyDiner with this card. The offer applies to orders above ₹2,500 and gives savings of up to ₹500 each month.
About the author
Saurabh Agrawal

Saurabh Agrawal

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

by Shreyansh Singh

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