Axis Bank Shoppers Stop Credit Card vs Kotak Royale Visa Signature Credit Card: Which is Better in 2026?
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When comparing the Axis Bank Shoppers Stop Credit Card and the Kotak Royale Visa Signature Credit Card, it’s clear that each card caters to different spending habits. The Shoppers Stop card focuses on rewards for shopping at specific brands, while the Kotak Royale card offers broader travel and dining rewards.
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 Shoppers Stop Credit Card | Kotak Royale Visa Signature Credit Card |
|---|---|---|
| Bank | Axis Bank | Kotak Mahindra Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fees - Nil |
| Annual / renewal fee | Annual Fee - Rs.500 | Annual Fee of Rs.999 |
| Annual fee waiver | Spend Rs.1 Lakhs For Annual Fee Waiver | Second Year Fee Waived Upon Spending Rs.1 Lakhs |
| Reward rate (headline) | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands | Earn 4 Reward Points on Every Rs.150 Spent on Travel |
| Lounge — domestic | — | Enjoy 2 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | Enjoy First Citizen Reward Points Worth Rs.300 | — |
| Milestone benefit | — | Earn 10000 Rewards Points on Spend of Rs.4 Lakhs; Earn 30000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Kotak Royale Visa Signature Credit Card is better for rewards, particularly for those who frequently travel or dine out, as it offers 4 Reward Points on every Rs.150 spent in these categories. In contrast, the Axis Bank Shoppers Stop Credit Card primarily rewards purchases made at Shoppers Stop, which may limit its appeal for those who shop elsewhere.
Which is better for travel?
For travel benefits, the Kotak Royale card stands out with its complimentary airport lounge access and travel-related rewards. The Axis Bank Shoppers Stop Credit Card does not provide any travel perks, making it less suitable for frequent travelers.
Which has lower effective cost?
In terms of fees, the Axis Bank Shoppers Stop Credit Card has a lower annual fee of Rs.500, which can be waived with a spend of Rs.1 lakh. The Kotak Royale card, while offering more rewards, has a higher annual fee of Rs.999, which is waived only in the second year upon spending Rs.1 lakh.
Who should pick Axis Bank Shoppers Stop Credit Card?
Consider Axis Bank Shoppers Stop Credit Card if you primarily shop at Shoppers Stop and want a low annual fee with the potential for rewards on your purchases there. This card is suitable for casual shoppers who appreciate specific brand loyalty.
Who should pick Kotak Royale Visa Signature Credit Card?
Consider Kotak Royale Visa Signature Credit Card if you travel frequently and dine out often, as it provides significant rewards in these areas along with complimentary lounge access. This card is ideal for those looking to maximize their rewards across various spending categories.
Frequently Asked Questions
The joining fee is Rs.500.
The annual fee can be waived in the second year upon spending Rs.1 lakh.
No, it does not offer any travel benefits.
You earn 4 Reward Points on every Rs.150 spent on travel, airlines, hotels, and restaurants.