Axis Bank Privilege Easy Credit Card vs Shoppers Stop HDFC Bank Credit Card: Which is Better in 2026?
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In short: HDFC Shoppers Stop has the lower annual fee (₹299 vs ₹1,500); both charge a 3.5% forex markup.
| Key facts | Axis Privilege Easy | HDFC Shoppers Stop |
|---|---|---|
| Annual fee | ₹1,500 | ₹299 |
| Joining fee | ₹1,500 | ₹299 |
| Annual fee waived | On ₹5 lakh annual spend | Not listed |
| Lounge access | 2 airport lounge visits a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Privilege Easy Credit Card and the Shoppers Stop Hdfc Bank Credit Card cater to different spending preferences. Axis Bank's card focuses on general rewards and airport lounge access, while HDFC's card is tailored for shoppers at Shoppers Stop with specialized reward points and membership benefits. Both cards have similar forex markup fees but differ significantly in fees and reward structures.
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 Privilege Easy Credit Card | Shoppers Stop Hdfc Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee of Rs.299 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.1500 | Renewal Fee of Rs.299 |
| Annual fee waiver | Spend Rs.5 Lakh For Waiver of Annual Fee | — |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 1% Reward Points on Every Non-Shoppers Stop Spends |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Welcome benefit | Welcome Benefit - 12500 EDGE REWARD Points | Welcome Gift Voucher Rs.500 From Shoppers Stop |
| Milestone benefit | 10000 Edge Reward Points on Spend of Rs.2.5 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Privilege Easy Credit Card offers a straightforward reward system with 10 EDGE Reward Points per Rs.200 spent and a significant milestone bonus of 10,000 points on spending Rs.2.5 lakhs annually. The reward points can be redeemed at Rs.0.20 per point. In contrast, the Shoppers Stop Hdfc Bank Credit Card provides 3% reward points on Shoppers Stop spends and 1% on other spends, with multiple redemption options including vouchers and travel. However, it lacks milestone rewards. Overall, Axis Bank's card offers higher rewards on general spending, while HDFC's card benefits those who frequently shop at Shoppers Stop.
Which is better for travel?
Axis Bank Privilege Easy Credit Card provides domestic airport lounge access twice per quarter, which adds value for frequent travelers. The Shoppers Stop Hdfc Bank Credit Card does not offer any lounge access or specific travel benefits. Both cards charge a 3.5% forex markup fee, which is relatively high and standard for many credit cards. Therefore, for travel-related perks, the Axis Bank card is more advantageous.
Which has lower effective cost?
The Shoppers Stop Hdfc Bank Credit Card has a lower joining and renewal fee of Rs.299 each, with no fee waiver mentioned, making it more affordable upfront and annually. The Axis Bank Privilege Easy Credit Card charges Rs.1500 for joining and renewal but offers an annual fee waiver if you spend Rs.5 lakhs in a year. For users who can meet the high spending threshold, the Axis Bank card can be cost-effective; otherwise, the HDFC card is cheaper to hold.
Co-brand and Shopping Focus
The Shoppers Stop Hdfc Bank Credit Card is co-branded with Shoppers Stop, offering 3% reward points on spends at the store and a complimentary Silver Edge membership, which adds value for frequent shoppers there. Axis Bank's card is a general-purpose card without co-branding, focusing on broader spending categories.
Reward Redemption Flexibility
Axis Bank Privilege Easy Credit Card allows redemption of EDGE Reward Points at Rs.0.20 each, primarily as cashback or vouchers, while the Shoppers Stop Hdfc Bank Credit Card offers multiple redemption options including travel miles, vouchers, and statement balance adjustments, providing more flexibility for reward utilization.
Who should pick Axis Bank Privilege Easy Credit Card?
Consider Axis Bank Privilege Easy Credit Card if you seek higher general rewards on everyday spending, value domestic airport lounge access, and can meet the Rs.5 lakh annual spend to waive the fee. It suits frequent travelers and those looking for milestone bonuses and flexible reward redemption.
Who should pick Shoppers Stop Hdfc Bank Credit Card?
Consider Shoppers Stop Hdfc Bank Credit Card if you shop regularly at Shoppers Stop and want enhanced rewards on those spends along with a complimentary Silver Edge membership. It is also suitable for users looking for a low-fee card with straightforward benefits focused on retail shopping rather than travel.
Frequently Asked Questions
Axis Bank Privilege Easy Credit Card charges Rs.1500 annually with a fee waiver on spending Rs.5 lakh, whereas Shoppers Stop Hdfc Bank Credit Card charges Rs.299 annually with no fee waiver mentioned.
Only the Axis Bank Privilege Easy Credit Card offers 2 complimentary domestic airport lounge accesses per quarter. The Shoppers Stop Hdfc Bank Credit Card does not provide lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Shoppers Stop Hdfc Bank Credit Card offers 3% reward points on Shoppers Stop spends along with a complimentary Silver Edge membership, making it more beneficial for frequent shoppers there.
Only the Axis Bank Privilege Easy Credit Card offers milestone rewards, providing 10,000 EDGE Reward Points on spending Rs.2.5 lakhs annually. The Shoppers Stop Hdfc Bank Credit Card does not have milestone benefits.
Axis Bank Privilege Easy Credit Card offers 12,500 EDGE Reward Points as a welcome benefit, while Shoppers Stop Hdfc Bank Credit Card provides a Rs.500 gift voucher redeemable at Shoppers Stop.