Axis Bank Select Credit Card vs Axis Bank Shoppers Stop Credit Card: Which is Better in 2026?
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In short: Axis Shoppers Stop has the lower annual fee (₹500 vs ₹3,000); both charge a 3.5% forex markup.
| Key facts | Axis Select | Axis Shoppers Stop |
|---|---|---|
| Annual fee | ₹3,000 | ₹500 |
| Joining fee | ₹3,000 | ₹500 |
| Annual fee waived | On ₹8 lakh annual spend | On ₹1 lakh annual spend |
| Lounge access | 2 airport lounge visits a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Select Credit Card and the Axis Bank Shoppers Stop Credit Card cater to different user needs. The Select card is designed for premium users with strong travel and rewards benefits, while the Shoppers Stop card focuses on shoppers with exclusive rewards and vouchers for the Shoppers Stop brand. Both have foreign transaction fees but differ significantly in fee structure 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 Select Credit Card | Axis Bank Shoppers Stop Credit Card |
|---|---|---|
| Bank | Axis Bank | Axis Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.3000 | Joining Fee of Rs.500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.3000 | Annual Fee - Rs.500 |
| Annual fee waiver | Spend Rs.8 Lakh For Waiver of Annual Fee | Spend Rs.1 Lakhs For Annual Fee Waiver |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 2 First Citizen points on Every Rs.200 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | 12 Complimentary International Airport Lounge Access | — |
| Welcome benefit | Welcome Benefit - 10000 EDGE REWARD Points | Enjoy First Citizen Reward Points Worth Rs.300 |
| Milestone benefit | Earn 5000 EDGE Reward Points on Spend of Rs.3 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Select Credit Card offers higher reward points accrual with 10 EDGE Reward Points per Rs.200 spent and accelerated 2X points on retail spends, plus milestone rewards and a welcome bonus. Its rewards can be redeemed at a fixed value, making it attractive for users seeking versatile reward redemption. The Shoppers Stop Credit Card, however, focuses rewards on Shoppers Stop purchases with up to 20 First Citizen points per Rs.200 spent on exclusive brands and offers shopping vouchers, making it more suitable for frequent shoppers at that store. Overall, the Select card provides broader and more valuable rewards.
Which is better for travel?
For travel benefits, the Axis Bank Select Credit Card clearly leads with 2 complimentary domestic airport lounge accesses per quarter and 12 international lounge accesses annually. It also offers a 1% fuel surcharge waiver and 6 complimentary golf rounds per year, which may appeal to premium travelers. The Shoppers Stop Credit Card does not offer any lounge access or travel-related perks, making the Select card better suited for travel-focused users.
Which has lower effective cost?
The Axis Bank Shoppers Stop Credit Card has a significantly lower joining and renewal fee of Rs.500, with an annual fee waiver on spending Rs.1 lakh. In contrast, the Select Credit Card charges Rs.3000 for joining and renewal, with a waiver only on spending Rs.8 lakh. Both cards have a 3.5% forex markup and a 1% fuel surcharge waiver, but the Shoppers Stop card is more beginner-friendly and cost-effective for users with lower annual spends.
Co-Brand Shopping Rewards
The Axis Bank Shoppers Stop Credit Card offers targeted rewards with 12 to 20 First Citizen points per Rs.200 spent on Shoppers Stop and exclusive brands, plus shopping vouchers. This co-brand focus benefits regular shoppers at Shoppers Stop but limits rewards outside that ecosystem compared to the more general Axis Bank Select Credit Card.
Fee Waiver Complexity
The Select Credit Card requires a high annual spend of Rs.8 lakh to waive the Rs.3000 annual fee, making it suitable for heavy spenders. The Shoppers Stop Credit Card offers a much lower Rs.1 lakh spend threshold to waive its Rs.500 fee, making it more accessible to moderate spenders.
Lounge Access and Travel Perks
Only the Axis Bank Select Credit Card provides complimentary domestic and international airport lounge access and additional travel-related benefits like golf rounds. The Shoppers Stop Credit Card lacks travel perks, focusing solely on shopping rewards.
Who should pick Axis Bank Select Credit Card?
Consider Axis Bank Select Credit Card if you prioritize premium travel benefits like extensive lounge access, higher reward points on retail and general spends, and milestone bonuses. It's suitable for users with high annual spends who want a versatile rewards program and additional perks such as golf rounds and fuel surcharge waivers.
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 and vouchers specifically for that brand. It is also a better choice for beginners or those looking for a low-fee card with easier annual fee waiver criteria and modest rewards focused on shopping rather than travel.
Frequently Asked Questions
The Axis Bank Select Credit Card charges Rs.3000 as joining and renewal fee, waived on spending Rs.8 lakh annually. The Axis Bank Shoppers Stop Credit Card charges Rs.500 for both, waived on spending Rs.1 lakh annually.
The Axis Bank Select Credit Card offers 10 EDGE Reward Points per Rs.200 and 2X points on retail spends, while the Shoppers Stop Credit Card gives 2 First Citizen points per Rs.200 on general spends.
Yes, both cards charge a forex markup fee of 3.5% on foreign currency transactions.
No, only the Axis Bank Select Credit Card provides complimentary domestic and international airport lounge access.
Yes, the Select Credit Card offers 10,000 EDGE Reward Points as a welcome benefit, while the Shoppers Stop Credit Card provides First Citizen Reward Points worth Rs.300.
The Axis Bank Shoppers Stop Credit Card is better for frequent shoppers at Shoppers Stop due to higher reward points on purchases there and shopping vouchers.