Axis Bank Shoppers Stop Credit Card vs AU Nomo Credit Card

• Renewal fee will get waived for cumulative spend of Rs. 1 Lakh and above
• Avail unlimited 20 First Citizen accelerated points for every Rs. 200 spent on private label brands of Shopper’s Stop
• Avail unlimited 12 First Citizen accelerated points for every Rs. 200 spent on beauty products and other brands at Shopper’s Stop
• Avail unlimited 2 First Citizen points earned on every Rs. 200 spent elsewhere
• Reward points will get credited directly to the cardholder’s First Citizen Loyalty account
• Enjoy a 15% instant discount on EazyDiner with Axis Bank Shoppers Stop Credit Card
• Maximum discount is capped at Rs. 500 per month
• Offer is applicable on a minimum order value of Rs. 2500
• Get 15% instant discount on EazyDiner. The maximum discount is capped at Rs. 500 per month and this offer is applicable on a minimum order value of Rs. 2500
• Avail 1% fuel surcharge on fuel purchases at all fuel outlets in India. This is valid on transactions between Rs. 400 to Rs. 5000

• Welcome Benefit: Begin the journey with NOMO FD Credit Card by earning 500 Reward Points on the very first transaction within 30 days of card setup
• Earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point for every Rs. 100 spent on utility and insurance transactions. Do note that Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends
• Milestone Benefits: In a quarter, cross Rs. 25,000 retail spends and get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter. Fuel and Cash transactions will not be considered for Milestone benefit calculation
• Lower Forex Markup of just 0.99%
• 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 20,000 spends in calendar quarter
• Railway Lounge Access: Recharge before the journey with 2 Complimentary Railway Lounge visits per calendar quarter. Do note: add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits
• 1% Fuel Surcharge Waiver for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India (up to Rs. 100 per statement cycle)
• Redeem the Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from AU Bank’s curated rewards catalogue
• Zero liability on any fraudulent transactions made with card after reporting the loss to the bank
• Get protected against Card Counterfeit/Skimming and Online frauds
• Contactless Card Usage: Tap and pay at participating merchants without entering your PIN for transactions up to Rs. 5,000
• Convert transactions worth Rs. 2,000 or more into easy EMI options with a simple call to the bank

Pros

• No redemption fee, customers can easily redeem points without paying any additional fees
• Renewal fee will get waived on spending of Rs. 1 lakh or more in the previous year
• Welcome benefits

Cons

• No railway lounge access
• No airport lounge access
• Reward points are limited to Shoppers Stop outlets online/offline only

Pros

• Low forex markup charge of 0.99%
• Insurance and utility spends are also rewarded with this card
• 2 Complimentary access to Domestic Airport Lounges

Cons

• NOMO Card is good for beginners, but for those seeking higher features should seek elsewhere
• No dining or movie benefits
• No complimentary international airport lounge access