Axis Bank Shoppers Stop Credit Card vs IDFC Bank FIRST SWYP Credit Card

Joining Fees

₹500

₹499

Editor's Rating

4

4.5

Key Features

  • 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
  • Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
  • 4 complimentary railway lounge access per quarter
  • 25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
  • Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

  • Guaranteed year-long discounts on featured partners such as the following:

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

  • 1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
  • Access to additional 300+ merchant offers on all your fav categories, all year round
  • Pay your statement in full or EMIfy your eligible balance
  • You can convert your eligible balance into easy & convenient EMIs
  • Make sure to pay any outstanding balance post EMI conversion by your payment due date
  • Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
  • Year- long instant discounts starting from 10% off on our Feature Partners
  • FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

Editor's Review

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

  • Numerous welcome benefits
  • Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
  • Affordable joining/annual fee

Cons

  • While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
  • Make sure to pay any outstanding balance post EMI conversion by your payment due date
  • No golf benefits


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