The verdict
Regular Shoppers Stop shoppers ke liye dedicated wardrobe card. ₹500 welcome voucher 1st year fee ko 100% neutralize karta hai, jabki saal mein ₹1 Lakh spend karne pe ₹500 renewal fee waive ho jaati hai aur ₹1,500 ke free shopping vouchers milte hain on top of 2X reward points.
Monthly ₹5,000 Shoppers Stop pe spend karne pe (₹60,000/yr) + ₹40,000 general retail pe spend karne pe ₹1 Lakh spend reach hota hai: ₹500 fee waive hoti hai, ₹1,500 milestone vouchers, ₹1,600 rewards + ₹500 welcome voucher milakar saal ka ₹3,600 net fashion value banta hai (7.2× ROI).
Agar aap clothes primarily Ajio, Myntra, ya Zara standalone stores se khareedte hain, toh generic cashback cards better rehte hain.
✓What works
- +Shoppers Stop stores aur website pe har purchase pe 20 EDGE reward points per ₹200 (2.0% return).
- +All other retail spending pe 10 EDGE reward points per ₹200 (1.0% return).
- +30 days mein 1st swipe karne pe ₹500 ka Shoppers Stop gift voucher welcome gift.
- +Saal mein ₹1,500 ke milestone vouchers: ₹50,000 spend pe ₹500 aur ₹1,00,000 spend pe ₹1,000 voucher.
- +Complimentary Shoppers Stop First Citizen membership with dedicated billing queues.
- +Saal ka sirf ₹1,00,000 spend karne pe ₹500 annual renewal fee waived.
✕What doesn't
- −Koi airport lounge access nahi milta.
- −Accelerated 2X reward rate exclusively Shoppers Stop stores pe hi milti hai.
- −Standard 3.5% + GST forex markup on international foreign currency spending.
What it earns
1 EDGE Reward Point = ₹0.20 on catalog vouchers aur retail redemption.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Shoppers Stop Stores & Website | 2.0% (20 EDGE / ₹200) | Uncapped | 10,000 EDGE Pts (₹2,000 value) |
| All Other Domestic Retail Spends | 1.0% (10 EDGE / ₹200) | Uncapped | 5,000 EDGE Pts (₹1,000 value) |
| Fuel & Rent | 0% | Excluded | 0 EDGE Pts |
Accelerated earn
2X on Fashion & ₹1,500 Annual Spend Milestone Vouchers
Apparel, footwear, aur cosmetics pe maximum rewards earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Shoppers Stop Outlets20 EDGE points per ₹200 spent. | 2× · 2.0% | Uncapped | — |
| Annual Spend Milestones₹500 on ₹50k + ₹1,000 on ₹1L spend. | Milestone · ₹1,500 Vouchers | Annual milestones | — |
Redemption options
Shoppers Stop vouchers ya Axis EDGE Rewards portal se direct redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Shoppers Stop Gift VouchersBEST VALUE | ₹0.20 / EDGE Point | 500 pts | None | Nil |
| Brand Vouchers & Gift Cards | ₹0.20 / EDGE Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Shoppers Stop offline stores aur shoppersstop.com.
- +First Citizen membership privileges.
- +General online aur offline retail shopping.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
- −Wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (₹500 Shoppers Stop Voucher welcome gift) |
| Annual Renewal Fee | ₹500 + GST (Waived at ₹1,00,000 spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.6% / month (43.2% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Kya Axis Bank Shoppers Stop Credit Card par airport lounge access milta hai?
Axis Bank Shoppers Stop Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Axis Bank Shoppers Stop Credit Card par reward rate aur points ki real rupee value kya hai?
Axis Bank Shoppers Stop Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Axis Bank Shoppers Stop Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Axis Bank Shoppers Stop Credit Card
Axis Bank Shoppers Stop Credit Card ek co-branded retail fashion aur lifestyle credit card hai jo Shoppers Stop ke alliance mein apparel shoppers, fashion enthusiasts aur department store loyalists ke liye design kiya gaya hai. ₹500 + GST annual fee par aane wale is card ki renewal fee card anniversary year mein ₹1,00,000 retail spend complete karne par 100% waive ho jaati hai.
Card directly Shoppers Stop First Citizen loyalty program ke sath integrated hai, delivering up to an extraordinary 14% effective valueback during Shoppers Stop private sales and shopping festivals (6 First Citizen points per ₹100 in-store plus 8% exclusive discount promotions), accompanied by a ₹500 Shoppers Stop welcome voucher that completely recovers joining fee, aur general retail spending par 2 First Citizen points per ₹100.
Key Privileges aur Everyday Benefits
- Guaranteed ₹500 Shoppers Stop Welcome Voucher: Card activation par ₹500 ka Shoppers Stop gift voucher jo ₹500 joining fee ko instant offset karta hai.
- Up to 14% Valueback at Shoppers Stop:
- Physical Shoppers Stop stores aur online app par 6 First Citizen points per ₹100 (worth ₹3.60 at 1 pt = ₹0.60).
- Exclusive cardholder private sales aur seasonal events par additional 8% instant discount.
- Everyday Retail Spending Rewards: Shoppers Stop ke bahar general domestic aur international retail spending par 2 First Citizen points per ₹100.
- Seamless In-Store Redemptions: Accumulated First Citizen points all-India Shoppers Stop aur HomeStop billing counters par directly redeem hote hain zero charges ke sath.
- Accessible ₹1,00,000 Annual Fee Waiver: Card anniversary year mein ₹1,00,000 retail spend complete karne par ₹500 annual renewal fee 100% waive ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Point Redemption Scope: First Citizen points exclusively Shoppers Stop aur HomeStop merchandise purchases ke liye redeemable hain; cash statement credit ya airline miles mein convert nahi hote.
- Points Validity: First Citizen points earn hone ki date se 12 months ke liye valid rehte hain.
- No Airport Lounge Access: Card mein complimentary domestic ya international airport lounge visits shamil nahi hain.
- Excluded Spend Categories: Fuel, rent payments, wallet reloads, cash advances, utilities, aur government payments par reward points nahi milte.
- DCC Charge 1.0%: International merchants agar INR currency mein bill karein toh 1.0% + GST ka DCC fee lagta hai.
Yeh Card Kinke Liye Best Fit Hai
- Shoppers Stop Regular Shoppers: Families aur individuals jo branded apparel, footwear, aur cosmetics regularly Shoppers Stop se purchase karte hain.
- Private Sale Enthusiasts: Customers jo cardholder private sales mein 8% instant discount ke sath 6 points/₹100 stack karke shopping karte hain.
- Retail Spenders Spending ₹1 Lakh Annually: Shoppers jo annual ₹1 Lakh spend cross karke card ko permanently fee-free maintain karte hain.
- Axis Bank — Shoppers Stop Credit Card schedule of charges
- Shoppers Stop & Axis Bank — First Citizen points and milestone voucher terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.