Earn 20 FC points per ₹200 on Shoppers Stop Exclusive Brands and 12 FC points per ₹200 on other Shoppers Stop brands
Get exclusive access to 2 end-of-season sales + 1 festive sale every year
Enjoy 45-day extended exchange period at Shoppers Stop outlets on card payments
Get flat 15% off in your birthday & anniversary month on Exclusive Brands (apparel) on card payments
Avail free home delivery for in-store/online purchases on card payments
Fees
Joining FeeComplimentary Shoppers Stop vouchers worth ₹2,250, complimentary First Citizen Club Golden Glow Membership, and 300 First Citizen reward points on first transaction within 30 days of card issuance
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹1,00,000 or more in a year on your card, as per bank policy
₹590
₹500 + GST
Eligibility
Age
18-70 years
Salary
₹16.7K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.60% per month (43.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.60%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash PaymentNo cash payment fee is charged
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001 and above
₹1200
An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
