vs
In short: both charge a ₹500 annual fee; both charge a 3.5% forex markup.
| Key facts | Axis My Zone | Axis Shoppers Stop |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Joining fee | ₹500 | ₹500 |
| Annual fee waived | Not listed | On ₹1 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 20 First Citizen Reward Points per ₹200 spent on Shoppers Stop Exclusive Brands |
| Base rewards | 4 reward points For Every ₹200 | 2 First Citizen points on Every ₹200 |
| Lounge access | 1 airport lounge visit a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 6 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
Axis Bank My Zone Credit Card and Axis Bank Shoppers Stop Credit Card both offer rewards and benefits tailored to different spending preferences. The My Zone card focuses on entertainment and milestone benefits, while the Shoppers Stop card is designed for shoppers who want accelerated rewards at Shoppers Stop stores. Both cards have similar fees and forex charges but differ in reward structures and lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank My Zone Credit Card | Axis Bank Shoppers Stop Credit Card |
|---|---|---|
| Bank | Axis Bank | Axis Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | Annual Fee - Rs.500 |
| Annual fee waiver | — | Spend Rs.1 Lakhs For Annual Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands |
| Base rate (other spends) | — | Earn 2 First Citizen points on Every Rs.200 |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Sony LIV Premium Annual Subscription | Enjoy First Citizen Reward Points Worth Rs.300 |
| Milestone benefit | SonyLIV Premium Membership Renewal on Spending 1.5 lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
The Axis Bank Shoppers Stop Credit Card offers higher rewards for shopping, especially at Shoppers Stop exclusive brands, with up to 20 First Citizen Reward Points per Rs.200 spent, compared to the My Zone card's flat 4 Rewards Points per Rs.200. While the My Zone card's rewards are uniform across spends, the Shoppers Stop card provides tiered rewards that benefit frequent shoppers at Shoppers Stop. Additionally, the Shoppers Stop card includes welcome points worth Rs.300 and multiple shopping vouchers, enhancing its value for retail spenders.
For travel-related benefits, the Axis Bank My Zone Credit Card has an edge with one complimentary domestic airport lounge access per quarter, which the Shoppers Stop card does not list. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, making them similar in foreign currency and fuel transaction costs. However, the My Zone card's lounge access adds convenience for occasional travelers who value airport comfort.
Both cards have a joining fee and renewal fee of Rs.500, with the Shoppers Stop card offering an annual fee waiver if you spend Rs.1 lakh in a year. The My Zone card does not list an annual fee waiver in our data. Given this, the Shoppers Stop card can be more cost-effective for users who meet the spend criteria. Both cards have similar forex markups and fuel surcharge waivers, so the effective cost depends largely on fee waivers and spending habits.
The My Zone card offers a flat reward rate across all spends, making it straightforward for users who want consistent points. In contrast, the Shoppers Stop card provides tiered rewards with significantly higher points on Shoppers Stop exclusive brands, catering specifically to shoppers who spend heavily at that retailer.
Axis Bank My Zone Credit Card includes a welcome benefit of a complimentary Sony LIV Premium annual subscription and a milestone benefit for renewing this subscription after spending Rs.1.5 lakhs. The Shoppers Stop card offers a welcome reward of First Citizen points worth Rs.300 and multiple shopping vouchers but does not list milestone benefits.
The Shoppers Stop card offers an annual fee waiver on spending Rs.1 lakh in a year, potentially lowering the effective cost for regular users. The My Zone card does not list any fee waiver in our data, so its Rs.500 renewal fee applies every year.
Consider Axis Bank My Zone Credit Card if you want a simple reward structure with consistent points on all spends, value a complimentary Sony LIV Premium subscription, and appreciate quarterly domestic lounge access for travel comfort. It suits users who enjoy entertainment benefits and occasional airport lounge access alongside their credit card usage.
Consider Axis Bank Shoppers Stop Credit Card if you frequently shop at Shoppers Stop and want accelerated rewards on exclusive brands and apparel. This card is ideal for shoppers looking to maximize reward points and redeem attractive shopping vouchers, along with enjoying a welcome reward worth Rs.300 and the possibility of an annual fee waiver by meeting the spend threshold.
Both cards have a joining fee and renewal fee of Rs.500. The Axis Bank Shoppers Stop Credit Card offers an annual fee waiver if you spend Rs.1 lakh in a year, while the Axis Bank My Zone Credit Card does not list a fee waiver.
The Axis Bank My Zone Credit Card provides one complimentary domestic airport lounge access per quarter. The Axis Bank Shoppers Stop Credit Card does not list any lounge access benefits.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Axis Bank Shoppers Stop Credit Card offers higher rewards for shopping, especially at Shoppers Stop exclusive brands, with up to 20 First Citizen Reward Points per Rs.200 spent, compared to the My Zone card's flat 4 Rewards Points per Rs.200.
Yes, the Axis Bank My Zone Credit Card offers a complimentary Sony LIV Premium annual subscription as a welcome benefit. The Axis Bank Shoppers Stop Credit Card provides First Citizen Reward Points worth Rs.300 as a welcome benefit.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.