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Axis Bank Shoppers Stop Credit Card
The successor to the old Citi First Citizen card, now issued by Axis on the Shoppers Stop private-label co-brand — 10X points on Shoppers Stop and private-label/beauty purchases, with rewards flowing straight into the existing First Citizen loyalty program rather than a separate Axis points pool. It's built for loyal Shoppers Stop shoppers rather than general use: a low ₹500 fee, easily waived on ₹1L of annual spend, keeps the cost of entry minimal.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.4%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.4% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: First Citizen points redeem in-store at Shoppers Stop with no separate redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- First Citizen loyalty points credited directly to your Shoppers Stop First Citizen account, redeemable in-store the same way as points earned by shopping
- Accelerated points on private-label brands and beauty products at Shoppers Stop, on top of the standard First Citizen tier benefits like birthday vouchers and early sale access
Pros
- + 10X points on Shoppers Stop private-label brands and beauty purchases
- + Rewards integrate directly with the existing First Citizen loyalty program
- + Low ₹500 fee, waived on a modest ₹1L annual spend
- + Accessible eligibility with a ₹20,000/month income requirement
Cons
- − Value concentrated almost entirely in one retailer
- − Weak 0.4% base rate and 2% general rate away from Shoppers Stop
- − 3.5% forex markup makes it unsuitable for travel or overseas spend