Axis Shoppers Stop Credit Card

20 points versus 2

This is the Axis Bank Shoppers Stop card. It is not the HDFC Shoppers Stop Credit Card or the HDFC Shoppers Stop Black card, which have their own fees and rewards.

The number that decides this card is the gap between 20 and 2. Axis's product page shows you earn 20 First Citizen points per ₹200 on Shoppers Stop's private-label brands, and just 2 points per ₹200 on regular spends outside the store. That is a tenfold difference, so the card earns well only when you buy Shoppers Stop's own labels.

How the points stack up

Axis values 1 First Citizen point at ₹0.50, and its own value chart works out to these rates:

• Shoppers Stop private-label brands: 20 points per ₹200, about 5% back.
• Other Shoppers Stop brands, Homestop and associated beauty brands such as MAC, Clinique and Estee Lauder: 12 points per ₹200, about 3% back.
• Other eligible spends: 2 points per ₹200, about 0.5% back.
• Fuel: no points.

Points are First Citizen points, which you redeem at Shoppers Stop and Homestop, per our records.

A quick example: ₹6,000 on Shoppers Stop's own labels earns 600 points, worth ₹300. The same ₹6,000 on groceries or bills earns 60 points, worth ₹30.

The fee and the extras

• Fee: ₹500 + GST a year, waived if you spend ₹1 lakh in the year. The Axis value chart counts a ₹500 waiver at ₹1 lakh; the exact fee sits on a separate charges page.
• Welcome: First Citizen points worth ₹300 on your first transaction within 30 days, plus first-year Shoppers Stop vouchers tied to spend thresholds.
• Fuel: 1% surcharge waiver on fills of ₹400 to ₹5,000. GST on the surcharge is not refunded.
• Dining: our records list a 15% EazyDiner discount up to ₹500 a month, but this comes from a third-party source, so confirm it in the current Axis terms before you count on it.

It is a Visa card in our records and is not listed as UPI-enabled. Our records show no lounge benefit.

Should you get the Axis Shoppers Stop card?

Get it if Shoppers Stop is where you buy most of your clothes and beauty products, and you can spend ₹1 lakh a year on the card to keep it free.

Skip it if you shop there a few times a year. At 2 points per ₹200 outside the store, it will not carry the rest of your spending. Shoppers Stop shoppers who also want a RuPay card for UPI can look at the HDFC Shoppers Stop Credit Card instead, and the Axis Bank credit cards guide covers the rest of the Axis range.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva