Axis Bank
Gold · Shoppers Stop
Axis Bank Shoppers Stop Credit Card
Axis Bank
Earn First Citizen points on every Shoppers Stop purchase
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,410
Total Annual Benefits
₹4,000
Total Annual Charges
₹590
ROI
578%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
20 First Citizen Points per ₹200 at Shoppers Stop
Earn 20 First Citizen reward points per ₹200 spent at Shoppers Stop stores and online
- • Valid at Shoppers Stop stores and website
20 FC points/₹200
Cashback Benefits (1)
2% Value Back on Other Spends
Earn 2% value back on all other retail transactions
- • Applies to all non-Shoppers Stop spends
2% value back
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
First Citizen Points
20 FC points/₹200 at SS, 2% other
Effective cashback: 0.50%
Points expire: 1 year from date of accrual
Redemption Options
- → Redeem at Shoppers Stop stores
- → Products on Shoppers Stop website
Bonus Categories
Shoppers Stop
10x multiplier
20 FC points per ₹200
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST at 18% |
| Annual Fee | ₹500 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 18–65 years
- • Ideal for Shoppers Stop loyalists
Insurance Coverage
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability: ₹1 Lakh
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility First Citizen loyalty integration Shoppers Stop member benefits
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis Shoppers Stop Credit Card is a Visa Gold tier co-branded shopping card offering 20 First Citizen points per ₹200 at Shoppers Stop and 2% valu...
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