Base reward rate: Up to 10 First Citizen points per ₹100 on Shoppers Stop spends, 1 point per ₹100 on other spends.
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 500
Annual fee: 500
Pros
Excellent reward rate of up to 6% at Shoppers Stop, offering 20 First Citizen points per ₹200 on private label brands and 3.6% (12 points per ₹200) on other brands.
Strong welcome benefits, including Shoppers Stop vouchers worth up to ₹2,000 and a Golden Glow Membership, which significantly outweigh the ₹500 joining fee.
The ₹500 annual fee is waived on a reasonably achievable spend of ₹1 lakh in the previous year, making the card effectively free for regular users.
Provides a 15% instant discount on dining via EazyDiner, capped at ₹500 per month on a minimum order of ₹2,500.
Offers a standard 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a monthly cap of ₹400.
Cons
Reward points are restricted to the Shoppers Stop ecosystem (including partner brands like MAC, Clinique) and cannot be converted to cash, air miles, or statement credit.
Completely lacks complimentary domestic or international airport lounge access, a benefit offered by some competing cards in this fee segment.
Carries a very high interest rate of 55.55% per annum (4.63% per month), making it a costly option for users who revolve their balance.
Best Use Case
Frequent shoppers at Shoppers Stop and its partner brands looking for high reward rates.