Axis Bank Shoppers Stop Credit Card

The Axis Bank Shoppers Stop Credit Card is a co-branded retail credit card designed to enhance the shopping experience for frequent customers of Shoppers Stop. By integrating Axis Bank’s financial reliability with the First Citizen loyalty program, this card offers a seamless way to earn high-value rewards on fashion, beauty, and lifestyle purchases. This card is particularly attractive for those who prioritize retail therapy, as it provides accelerated reward points and exclusive membership status at one of India’s premier fashion destinations. Beyond shopping, it rounds out its value proposition with essential lifestyle benefits like dining discounts and fuel surcharge waivers.

Axis Bank Shoppers Stop Credit Card

Joining Fees	500
Annual Fees	500
Card Type	Rewards
Network Type	Visa

Rewards & Benifits

Accelerated Rewards: Unlimited 20 First Citizen points for every ₹200 spent on Shoppers Stop private label brands.
Brand Rewards: 12 First Citizen points for every ₹200 spent on other brands and beauty products at Shoppers Stop.
Standard Rewards: 2 First Citizen points for every ₹200 spent on all other categories.
Dining Discount: 15% instant discount at partner restaurants via EazyDiner (up to ₹500 per month).
Fuel Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹400 per cycle).
Golden Glow Membership: Complimentary Shoppers Stop First Citizen Club Golden Glow membership.

Fees & Charges

Finance Charges: 3.75% per month (55.55% per annum).
Cash Withdrawal Fee: 2.5% of amount (Minimum ₹500).
Foreign Currency Transaction Fee: 3.50% of the transaction value.
Late Payment Fee: Up to ₹1,200 (for dues greater than ₹10,000).
Over Limit Penalty: 2.5% of the overlimit amount (Minimum ₹500).

Card Details

Reward Redemption: Points are credited directly to the First Citizen Loyalty account for Shoppers Stop purchases.
Omnichannel Benefits: Rewards are applicable for both online (website/app) and offline store purchases.
Spend Exclusions: Rent and wallet transactions are excluded from the annual fee waiver spend calculation.
No Expiry: First Citizen reward points earned on this card never expire.

Pros & Cons

High Reward Rate: Excellent returns for private label brand shoppers.
Permanent Points: Rewards do not expire, allowing for long-term accumulation.
Exclusive Perks: Golden Glow membership offers extended exchange periods and free home delivery.

No Lounge Access: Does not offer domestic or international airport lounge visits.
Low Base Rewards: Reward rate on non-Shoppers Stop spends is relatively low.
Niche Utility: Value is heavily concentrated within a single retail ecosystem.

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ELIGIBILITY CRITERIA •

Primary cardholder age: Between 18 and 70 years. • Residential status: Resident of India. • Documentation: PAN card or Form 60, Recent photograph, Proof of income (Latest Salary Slip/Form 16/ITR), and Proof of residence.

WELCOME BENEFITS •

First Citizen reward points worth ₹300 upon first transaction within 30 days of card issuance. • Complimentary Shoppers Stop vouchers worth ₹2,250 redeemable at Shoppers Stop and Homestop. • Complimentary First Citizen Club Golden Glow Membership.

CARD REVIEW

The Axis Bank Shoppers Stop Credit Card is a specialized tool best suited for loyal patrons of the Shoppers Stop retail chain. Its core strength lies in its unlimited accelerated reward points, particularly for private label brands, which can lead to significant savings for fashion-conscious shoppers. The addition of the Golden Glow membership further enhances the experience with premium services like free home delivery.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Axis Bank Shoppers Stop Credit Card