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Shoppers Stop HDFC Bank Credit Card VS Axis Bank Shoppers Stop Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
Shoppers Stop HDFC Bank Credit Card
Shoppers Stop HDFC Bank Credit Card
Axis Bank Shoppers Stop Credit Card
Axis Bank Shoppers Stop Credit Card

Fees & Charges

Joining Fee₹299 + GST
Joining FeeFree (1st year)
Renewal Fee₹299 + GST
Renewal Fee₹500 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee is waived for a cumulative spend of ₹1 Lakh and above in the previous year.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees3.5% + tax on foreign currency transactions; 1.5% + tax on DCC.
Interest Rate (APR)3.75% per month (45% annually)
Interest Rate (APR)3.75% per month (55.55% per annum)

Rewards & Benefits

Welcome Bonus₹500 Shoppers Stop voucher & complimentary Shoppers Stop Silver Edge Membership.
Welcome Bonus₹300 First Citizen points on first transaction, ₹2250 Shoppers Stop vouchers, and complimentary Golden Glow Membership.
Rewards RateEarn 3% Reward Points on Shoppers Stop spends (max 500 RP/month) & 1% on Non-Shoppers Stop spends (max 1,000 RP/month).
Rewards RateEarn up to 20 First Citizen points per ₹200 on Shoppers Stop brands; 2 points per ₹200 elsewhere.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits15% instant discount on EazyDiner, up to ₹500/month on min spend of ₹2500.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver (up to ₹250 per statement cycle)
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹5000), max ₹400 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of transaction amount (min ₹500)
Cash Advance Charges2.5% of cash amount (Min ₹500)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Shoppers Stop HDFC Bank Credit Card

Axis Bank Shoppers Stop Credit Card

Who is it for?

The Shoppers Stop HDFC Bank Credit Card is a co-branded offering from HDFC Bank, specifically designed for individuals who frequently shop at Shoppers Stop and wish to stay updated on fashion trends. Positioned as a lucrative card for shoppers, it provides a complimentary Shoppers Stop Silver Edge Membership and generous reward points on purchases made both at Shoppers Stop and elsewhere. Cardholders also receive a welcome voucher, enhancing its appeal for dedicated Shoppers Stop customers.

Who is it for?

The Axis Bank Shoppers Stop Credit Card is a co-branded card tailored for frequent Shoppers Stop customers, offering accelerated reward points on their purchases. It enhances the shopping experience with complimentary Shoppers Stop vouchers and a Golden Glow Membership. Additionally, cardholders enjoy exclusive dining discounts via EazyDiner. This mid-range card is ideal for maximizing shopping perks and dining benefits.

Pros

Key benefits and features.

Seamlessly link your RuPay credit card to make convenient UPI payments.

Receive a valuable ₹500 Shoppers Stop voucher as a welcome benefit upon card activation.

Enjoy a complimentary Shoppers Stop Silver Edge Membership, enhancing your shopping experience.

Earn accelerated 3% Reward Points on all your purchases made at Shoppers Stop outlets.

Benefit from a 1% fuel surcharge waiver, saving you money on your regular fuel expenses.

Pros

Key benefits and features.

Enjoy zero redemption fees, making your reward points fully valuable.

Annual fee waived upon spending ₹1 lakh or more in the preceding year.

Earn accelerated reward points and exclusive benefits at Shoppers Stop.

Benefit from a 15% instant discount on dining via EazyDiner.

Globally accepted, this card facilitates international transactions seamlessly.

Cons

Key drawbacks and limitations.

The Shoppers Stop HDFC Bank Credit Card does not offer any complimentary golfing benefits.

Cardholders will not receive any complimentary access to domestic or international airport lounges.

The card charges a relatively high foreign currency markup of 3.5% plus GST on international transactions.

A rewards redemption fee of ₹99 plus GST is applicable each time you redeem your accumulated points.

The monthly interest rate of 3.75% (45% annually) is quite high if balances are not paid on time.

Cons

Key drawbacks and limitations.

Does not provide any airport lounge access (domestic or international).

Reward points are primarily limited to Shoppers Stop outlets (online/offline) and partner brands.

Foreign transaction charges apply for international transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Shoppers Stop HDFC Bank Credit Card(opens in new tab)Apply for Axis Bank Shoppers Stop Credit Card(opens in new tab)