Axis Bank Shoppers Stop Credit Card vs Ola Money SBI Visa Platinum Credit Card: Which is Better in 2026?
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In short: both charge a 3.5% forex markup.
| Key facts | Axis Shoppers Stop | Ola Money SBI |
|---|---|---|
| Annual fee | ₹500 | Not listed |
| Joining fee | ₹500 | Not listed |
| Annual fee waived | On ₹1 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 20 First Citizen Reward Points per ₹200 spent on Shoppers Stop Exclusive Brands | 7% Reward Points On All Ola Rides |
| Base rewards | 2 First Citizen points on Every ₹200 | 1% Rewards On All Spends |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
Both Axis Bank Shoppers Stop Credit Card and Ola Money Sbi Visa Platinum Credit Card are active products in India. The side-by-side table below summarises fees, rewards and travel perks from the same mTuzo benefits feed used on each card’s CardChat page — use it plus the short verdicts to decide which fits your spend pattern.
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| Feature | Axis Bank Shoppers Stop Credit Card | Ola Money Sbi Visa Platinum Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Annual Fee - Rs.500 | No Annual Fees - First Year Free |
| Annual fee waiver | Spend Rs.1 Lakhs For Annual Fee Waiver | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Top reward rate | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands | Earn 7% Reward Points On All Ola Rides |
| Base rate (other spends) | Earn 2 First Citizen points on Every Rs.200 | Earn 1% Rewards On All Spends |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Enjoy First Citizen Reward Points Worth Rs.300 | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Ola Money Sbi Visa Platinum Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 7% Reward Points On All Ola Rides vs Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Neither card clearly dominates on lounge data in our automated parse — or both are similarly strong. Use the lounge rows in the table and your own travel pattern (domestic vs international) to break the tie.
Which has lower effective cost?
Renewal fee wording differs between issuers, so compare the “Annual / renewal fee” row directly: Axis Bank Shoppers Stop Credit Card — Annual Fee - Rs.500 Ola Money Sbi Visa Platinum Credit Card — No Annual Fees - First Year Free Then read waiver rules; a higher published fee can still be cheaper net if you usually clear spend-based waivers.
Who should pick Axis Bank Shoppers Stop Credit Card?
Consider Axis Bank Shoppers Stop Credit Card if you already bank with Axis Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Ola Money Sbi Visa Platinum Credit Card?
Consider Ola Money Sbi Visa Platinum Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Axis Bank Shoppers Stop Credit Card — domestic: —; international: —. Ola Money Sbi Visa Platinum Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Axis Bank and SBI Cards websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the Axis Bank and SBI Cards websites.
On the first reward band we surface, Ola Money Sbi Visa Platinum Credit Card shows a stronger headline earn (Earn 7% Reward Points On All Ola Rides vs Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Axis Bank Shoppers Stop Credit Card: Spend Rs.1 Lakhs For Annual Fee Waiver Ola Money Sbi Visa Platinum Credit Card: Spend Rs.1 Lakhs For Waiver of Renewal Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Shoppers Stop Credit Card: 3.50% - Foreign Currency Transactions Ola Money Sbi Visa Platinum Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Axis Bank and SBI Cards websites.
Axis Bank Shoppers Stop Credit Card: Enjoy First Citizen Reward Points Worth Rs.300 Ola Money Sbi Visa Platinum Credit Card: Not in our extract. Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and SBI Cards websites.