The Shopping Card is given to the player when they deposit 10,000 bells into the Automatic Bell Dispenser (ABD) in Animal Crossing: City Folk. The Shopping Card will be given to the player via post the following day. A Gold Shopping Card is sent in the post when the player deposits 1,000,000 Bells in the Automatic Bell Dispenser, the letter will say:
"Thank you for banking with us. For those clients like yourself who have reached VIP status, we've created a gold shopping card. Please use it!"
The Golden Shopping Card allows the player to have 20% in a store on every item.
If the player loses their shopping card, they can go to the ABD and press the 'Reissue Card' option, the card will be sent out the next day.