Axis Bank Shoppers Stop Credit Card vs Rbl Platinum Maxima Plus Card: Which is Better in 2026?
vs
Axis Bank Shoppers Stop Credit Card lists a lower headline annual fee in our data (around ₹2,000 apart), before waivers. Rbl Platinum Maxima Plus Card shows a stronger headline earn rate in the first reward band we surface. Rbl Platinum Maxima Plus Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
Last updated:
| Feature | Axis Bank Shoppers Stop Credit Card | Rbl Platinum Maxima Plus Card |
|---|---|---|
| Bank | Axis Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Annual Fee - Rs.500 | Annual Fee of Rs.2500 |
| Annual fee waiver | Spend Rs.1 Lakhs For Annual Fee Waiver | — |
| Reward rate (headline) | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands | 5X Reward Points on Dining |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | Enjoy First Citizen Reward Points Worth Rs.300 | Welcome Benefit - 10000 Reward Points |
| Milestone benefit | — | Earn 10000 Reward Points on Spend of Rs.2 Lakhs; Earn 10000 Bonus Reward Points on Spend of Rs.3.5 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Rbl Platinum Maxima Plus Card shows a higher headline earn signal in the reward summaries we index (5X Reward Points on Dining 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?
Rbl Platinum Maxima Plus Card has richer lounge-related fields in our current benefits extract (domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Axis Bank Shoppers Stop Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
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 Rbl Platinum Maxima Plus Card?
Consider Rbl Platinum Maxima Plus Card if you already bank with RBL 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.
Frequently Asked Questions
From the lounge fields in our benefit data: Rbl Platinum Maxima Plus Card — domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: —. Axis Bank Shoppers Stop Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Axis Bank and RBL Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹2,500 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Axis Bank and RBL Bank websites for the final number.
On the first reward band we surface, Rbl Platinum Maxima Plus Card shows a stronger headline earn (5X Reward Points on Dining 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 Rbl Platinum Maxima Plus Card: Waiver wording not in our benefit extract — check RBL Bank. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Shoppers Stop Credit Card: 3.50% - Foreign Currency Transactions Rbl Platinum Maxima Plus 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 RBL Bank websites.
Axis Bank Shoppers Stop Credit Card: Enjoy First Citizen Reward Points Worth Rs.300 Rbl Platinum Maxima Plus Card: Welcome Benefit - 10000 Reward Points Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and RBL Bank websites.