Axis Bank My Zone Credit Card vs Axis Bank Shoppers Stop Credit Card: Which is Better in 2026?
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Axis Bank My Zone Credit Card and Axis Bank Shoppers Stop Credit Card both come with a joining fee of Rs. 500 and offer fuel surcharge waivers along with foreign currency transaction fees of 3.5%. The My Zone card focuses on general rewards and entertainment benefits like a Sony LIV Premium subscription, while the Shoppers Stop card is tailored for shoppers with reward points on Shoppers Stop purchases and complimentary Golden Glow membership.
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 |
| Reward rate (headline) | Earn 4 Rewards Points For Every Rs.200 | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Welcome benefit | Complimentary Sony LIV Premium Annual Subscription | Enjoy First Citizen Reward Points Worth Rs.300 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Shoppers Stop Credit Card offers higher reward points specifically for purchases at Shoppers Stop, with 20 First Citizen Reward Points per Rs. 200 spent on exclusive brands and additional points on other spends. The My Zone Credit Card provides a flat 4 reward points for every Rs. 200 spent but lacks category-specific accelerators. Therefore, shoppers who frequently purchase at Shoppers Stop will find better value with the Shoppers Stop card, while general spenders may prefer the simpler rewards structure of the My Zone card.
Which is better for travel?
For travel-related benefits, the Axis Bank My Zone Credit Card provides one complimentary domestic airport lounge access per quarter, which the Shoppers Stop Credit Card does not offer. Both cards charge a 3.5% forex markup, so neither has an advantage in foreign currency transactions. If airport lounge access is important, the My Zone card is preferable for occasional travelers.
Which has lower effective cost?
Both cards have a joining fee and renewal fee of Rs. 500. The Shoppers Stop Credit Card offers an annual fee waiver on spending Rs. 1 lakh, which can reduce the effective cost for regular users. The My Zone Credit Card does not mention any fee waiver. Fuel surcharge waivers of 1% are available on both cards with some transaction conditions. Overall, the Shoppers Stop card may be more cost-effective for those who meet the waiver criteria, while costs are similar otherwise.
Co-Brand Focus
The Axis Bank Shoppers Stop Credit Card is co-branded with Shoppers Stop and offers significantly higher reward points on purchases made at Shoppers Stop, including exclusive brands and online orders. In contrast, the My Zone Credit Card is a general-purpose card without co-branding, making it more versatile but less rewarding for specific retail spending.
Entertainment Benefits
The My Zone Credit Card provides a complimentary Sony LIV Premium annual subscription as a welcome and milestone benefit, adding value for users interested in digital entertainment. The Shoppers Stop card does not offer entertainment memberships but focuses on retail vouchers and memberships.
Who should pick Axis Bank My Zone Credit Card?
Consider Axis Bank My Zone Credit Card if you want a straightforward rewards program with a decent flat rate of points on all spends, enjoy entertainment benefits like the Sony LIV Premium subscription, and value complimentary domestic airport lounge access. This card suits occasional travelers and users looking for simple rewards without category restrictions.
Who should pick Axis Bank Shoppers Stop Credit Card?
Consider Axis Bank Shoppers Stop Credit Card if you frequently shop at Shoppers Stop and want to maximize rewards there, benefit from welcome vouchers and complimentary Golden Glow membership, and are able to spend Rs. 1 lakh annually to waive the renewal fee. This card is ideal for shoppers looking for targeted rewards and retail-centric benefits.
Frequently Asked Questions
Both Axis Bank My Zone Credit Card and Axis Bank Shoppers Stop Credit Card have a joining fee of Rs. 500.
The Axis Bank My Zone Credit Card offers one complimentary domestic airport lounge access per quarter, while the Shoppers Stop Credit Card does not provide any lounge access.
The Shoppers Stop Credit Card offers an annual fee waiver if you spend Rs. 1 lakh in a year. The My Zone Credit Card does not mention any fee waiver.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Axis Bank Shoppers Stop Credit Card offers higher reward points specifically on Shoppers Stop purchases, making it better for frequent shoppers there.
Yes, the My Zone Credit Card provides a complimentary Sony LIV Premium annual subscription as a welcome benefit and on spending Rs. 1.5 lakhs annually.