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Axis Bank Shoppers Stop Credit Card: Suitable for Offline Shopping

Home Axis Bank Axis Bank Shoppers Stop Credit Card: Suitable for Offline Shopping

The newly launched Axis Bank Shoppers Stop Credit Card is a migration from the previously popular First Citizen Citi Credit Card. Similar to the Citi variant, the card comes with co-branded benefits around Shoppers Stop, but with revisions in rewards structure and activation benefits. Available at an annual fee of Rs. 500, the card can largely benefit those who prefer Shoppers Stop for their shopping expenses. The co-branded features on the card are also comparable to those on the Shopper Stop HDFC Bank Credit Card, as both offer co-branded benefits with the same merchant. If you prefer Shoppers Stop for your frequent offline shopping, read on to find the right card for you.

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Updated: 18-09-2024 09:02:36 AM

Axis Shoppers Stop Credit Card Overall Rating:  ★★★ (3.5/5)
Co-branded Benefits
 ★★★
General Reward Benefits ★★★
Activation Benefits ★★★★

Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit Axis Bank’s website.

The Axis Bank Shoppers Stop Credit Card is one of the many credit cards that have been launched for the migration of previously popular Citi credit cards (post-ownership transfer of Citibank to Axis Bank). For the First Citizen Citi Credit Card, the new Axis variant comes with slight revisions and improvisations such as better accelerated rewards and extended benefits towards dining. But, in comparison to the Citi card, the redemption value has been reduced to Rs. 0.5 per reward from Rs. 0.6.

Even with such revisions what remains intact is the loyalty towards the co-branded partner. Users are awarded First Citizen reward points for all their purchases, whether co-branded or general shopping, that are redeemable across shopping at Shoppers Stop. Thus, this card is a good option for Shoppers Stop loyalists who spend a considerable amount each month on shopping. However, this also puts in spot the card’s comparison with other co-branded Shopper Stop cards from another leading issuer, HDFC Bank.

While HDFC offers two co-branded variants with Shoppers Stop, this card is comparable to the entry-level Shoppers Stop HDFC Bank Credit Card. Both cards come with their own pros and cons. While the HDFC variant has an edge due to multiple redemption options and a higher redemption value of 1:1, the Axis card outshines due to unlimited rewards (no capping) and a higher return on the accelerated spends category.

To find the right card amongst these, apart from brand preference, users will also have to keep in mind the choice for the issuer. For those who don’t mind paying a high annual fee of Rs. 4,500, the premium co-branded HDFC variant, Shoppers Stop Black HDFC Black is also an option. In comparison to entry-level variants, this card offers up to 7% rewards, with benefits extending towards international and domestic lounge access. Users must also access their needs, if they are looking for general benefits on shopping, specific benefits on offline shopping, or benefits across other merchants, to accordingly explore other options.

Card Activation Benefits
Rewards Program
Other Lifestyle Benefits
Shoppers Stop Credit Cards Comparison: Axis Vs. HDFC
Other Similar Credit Cards to Save on Shopping
Axis Shoppers Stop Credit Card: Fees & Charges
Axis Shoppers Stop Credit Card: Eligibility & Documentation
Card Activation Benefits

At a joining fee of Rs. 500, Axis Bank Shoppers Stop Credit Card comes with the following benefits:

  • First Citizen reward points worth Rs. 300
  • Complimentary Shoppers Stop voucher worth Rs. 2,250 redeemable at Shoppers Stop and Homestop
  • Complimentary Golden Glow membership (covering benefits like extended exchange period of 45 days, free home delivery, birthday offers, etc)

As per the low joining fee of Rs. 500, the card offers way more than it charges. Similar to the rewards structure, the welcome benefits on the card again circle back to Shoppers Stop, offering a great start to users opting for this card for their brand preference.

The benefits are similar to what was offered on the Citi variant, but better than what is offered on the HDFC entry-level variant, as it offers Shoppers Stop Silver Edge membership, a lower-tier loyalty program than the Golden Glow membership offered here.

Rewards Program

The card offers unlimited rewards (as First Citizen points) on the following spends as follows:

  • 20 First Citizen points per Rs. 200 on private label brand of Shoppers Stop
  • 12 First Citizen points per Rs. 200 on beauty products and other brands at Shoppers Stop
  • 2 First Citizen points per Rs. 200 on other general spends

Key points to note:

(i) While the base reward rate for general shopping remains the same as the previous First Citizen Citi Card and the HDFC Shoppers Stop Card, the accelerated rewards earning differ. In comparison to the Cit variant, which offered up to 14 points per Rs. 200, the accelerated rewards earned on Axis cards goes up to 20 points per Rs. 200.

(ii) The Citi variant covered some premium brands like Homestop, Arcelia, M.A.C., Clinique, Estee Lauder, Bobbi Brown, Jo Malone, and Smashbox in its reward program, offering 10 rewards per Rs. 200 on these brand transactions. Thus, at a low annual fee of Rs. 500, Citi brought premium-type benefits to customers who like making aspirational purchases. While the Axis variant does not name the brands directly, users can still grab good returns on these brands when shopping through Shoppers Stop, as the card offers 12 points per Rs. 200 for beauty products and other brands at Shoppers Stop.

(iii) Additionally, while the HDFC base-level card offers 3% back on Shoppers Stop spends, the Axis card has an edge here by offering 10% back on such spends (via 20 points per Rs. 200). This percentage value is even better than the premium HDFC variant, Shoppers Stop HDFC Black.

(iv) The only way the Axis card lags behind in comparison to the HDFC card is in the redemption options, as it keeps the redemption limited to Shoppers Stop for 1 point = Rs. 0.5. The HDFC card offers multiple options to redeem the accumulated points. Users can redeem not just with Shopper Stop but also across product catalog, cashback, air miles, or even booking flights and hotel tickets. The redemption value is also better here, as users get 1:1 redemption at Shoppers Stop and up to Rs. 0.25 across other redemption channels.

However, the value back again changes due to rewards earning capping on HDFC cards in comparison to unlimited rewards offered by the Axis variant.

Other Lifestyle Benefits

Dining: 15% instant discount via EazyDiner, capped at Rs. 500 per month, valid on a minimum order value of Rs. 2,500.
Fuel: The card offers 1% fuel surcharge waiver on all fuel outlets in India, up to Rs. 400 in a statement cycle. This is valid on transactions between Rs. 400 to Rs. 5,000.

Shoppers Stop Credit Cards Comparison: Axis Vs. HDFC
Credit Card Axis Shoppers Stop HDFC Shoppers Stop HDFC Shoppers Stop Black
Annual Fee Rs. 500 Rs. 299 Rs. 4,500
Waiver conditions Annual spends of Rs. 1 Lakh – –
Rewards Spends at SS 10% rewards: Up to 20 FC points per Rs. 200 (No capping- unlimited) 3% rewards (capped at Rs. 500 per month) 7% rewards (capped at Rs. 2,000 per month)
Other Spends 1% rewards : 2 FC points per Rs. 200 (No capping- unlimited) 1% rewards (capped at Rs. 1,000 per month) 2% rewards (capped at Rs. 2,000 per month)
Rewards Redemption Redeem at SS, 1 point = Rs. 0.5 Redemption options:

SS voucher, 1 point= Rs. 1

Product catalog, 1 point = Up to Rs. 0.25

Cashback, 1 point = Rs. 0.2

Airmiles, 1 point = Rs. 0.25

Unified Smartbuy (flight/hotel), 1 point =Rs. 0.2

 Redemption options:

SS voucher, 1 point= Rs. 1

Product catalog, 1 point = Up to Rs. 0.35

Cashback, 1 point = Rs. 0.2

Airmiles, 1 point = Rs. 0.5

Unified Smartbuy (flight/hotel), 1 point =Rs. 0.5
Activation Bonus FC points Worth Rs. 300 – –
SS Membership Golden Glow Silver Edge Black
Vouchers Worth Rs. 2,250 redeemable across SS and Homestop Worth Rs. 500 redeemable across SS Worth Rs. 1,500 redeemable across SS
Milestone  Benefits – Rs.500 per month for a single purchase of Rs.15,000 or above on SS on weekends (max. once in a month and 5 times in a year) Rs.2,000 per month for a single purchase of Rs.50,000 or above on SS on weekends (max. once in a month and 5 times in a year)
Lifestyle Dining 15% instant discount via EazyDiner – –
Travel – – 16 domestic (4 per quarter) and 8 international ( 2 per quarter)
Fuel 1% fuel surcharge waiver up to Rs. 400 1% fuel surcharge waiver of up to Rs. 250 % fuel surcharge waiver of up to Rs. 500
Other Similar Credit Cards to Save on Shopping

Shoppers Stop HDFC Bank Credit Card

shoppers-stop-credit-cards
3/5

Joining fee: ₹299

Annual/Renewal Fee: ₹299

Up to 3% reward points on every spend

Shoppers Stop Gift voucher worth Rs. 500

Shopping
Reward Points
Check Eligibility

Product Details

  • 3% reward points on every Shoppers Stop purchase, up to 500 reward points per month
  • If you make a purchase of min. Rs. 15,000 at Shoppers Stop over the weekend, you earn Rs. 500 in that month.
  • 1% reward points on every non-Shoppers Stop purchase, up to 1,000 reward points per month
  • Redeem rewards at Shoppers Stop for 1:1
  • Other Redemption Options: Product Catalog (1 point = Up to Rs. 0.25); Cashback (1 point = Rs. 0.2); Airmiles (1 point =Rs. 0.25); Unified Smartbuy for flight/hotel bookings (1 point= Rs. 0.2)
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Myntra Kotak Credit Card

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3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

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Product Details

  • 7.5% off up to Rs. 750 per transaction on Myntra
  • 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
  • 1.25% cashback across all other transactions
  • 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
  • 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000
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HDFC Regalia Gold Credit Card

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4/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

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Product Details

  • Complimentary Swiggy One & MMT Black Elite Memberships
  • Gift voucher worth Rs. 2,500 on the payment of joining fee
  • 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
  • Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
  • Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
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Axis Bank SELECT Credit Card

select-credit-card
4/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

2X EDGE Reward Points acrosss all retail transactions

10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit

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Product Details

  • 10 EDGE Reward Points on every Rs. 200 spent
  • Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
  • Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
  • Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
  • Up to 12 complimentary golf rounds in a year
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Axis Shoppers Stop Credit Card: Fees & Charges
Type of Fee/ Charge
 Amount
Joining Fee Rs. 500
Annual Fee Rs. 500
Finance Charges 3.6% p.m. (52.86% p.a.)
Cash Withdrawal Fee
 2.5% (Minimum Rs. 500) of the withdrawal amount
Late Payment Fee For Outstanding Amount-

  • Less than Rs. 500: Nil
  • From Rs. 501 to Rs. 5,000: Rs. 500
  • From Rs. 5,001 to Rs. 10,000: Rs. 750
  • Greater than Rs. 10,000: Rs. 1,200

Click here to know the detailed terms & conditions and other fees & charges associated with Axis Bank Shoppers Stop Credit Card.

Axis Shoppers Stop Credit Card: Eligibility & Documentation
Criteria Details
Age Requirement 18 to 70 years
Minimum Income Required Communicated at the time of Application
Occupation Salaried or Self-employed
Documents Required Click here for the list of acceptable documents

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