RBL Bank Shoppers Stop Black Credit Card
RBL Bank · Open to apply
RBL's Shoppers Stop Black co-brand card: 15 Reward Points per ₹200 at the Shoppers Stop universe (up to 1,500 a month; 1 point is worth ₹1.00 at Shoppers Stop) and 4 per ₹200 elsewhere (up to 500 a month), Complimentary Shoppers Stop First Citizen Club Black Card membership (worth ₹4,500), a ₹3,000 voucher and a gift worth up to ₹3,000 on joining, and quarterly and annual Shoppers Stop vouchers on spend milestones. Fee ₹10,000.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹10,000 + GST
- Base rate
- 4 Reward Points per ₹200 on all other eligible spends (up to 500 a month): 4 RBL Reward Points per ₹200 (about 2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 15 Reward Points per ₹200 across the Shoppers Stop universe (up to 1,500 a month): 15 RBL Reward Points per ₹200 (about 7.5% at cash value)
Earns nothing on
- No Reward Points on fuel and auto, insurance, quasi-cash, education, wallet loads, government services, cash, EMI
- No Reward Points on railways
Where the sources disagree
- Excluded categories from 1 Nov 2026: The product page and T&C 4.5 (27 Aug 2026), and the undated Q&A of the FAQ, still list Utilities, Real Estate/Rental and Bills2Pay as excluded. The FAQ's dated note (PDF of 15 Oct 2026, "W.e.f. Nov 01, 2026") gives a shorter list without them. We take the newer dated statement as the change (docs/schema.md principle 3); if RBL's T&C is reissued with them, revert.
Terms the calculator does not value
- Quarterly bonus: 1,000 Reward Points a quarter on the first single purchase of ₹20,000 or more at a Shoppers Stop store, only if eligible spend in the previous calendar quarter reached ₹75,000 and not during Shoppers Stop's End of Season Sale. It depends on a single-transaction size and the sale calendar, so it is not entered.
- The welcome benefits (and the gift, worth "up to" its stated figure) are Shoppers Stop vouchers valid 90 days at its stores only and need claiming; the value shown assumes they are used in full. Shoppers Stop also ran a time-limited complimentary Arcelia perfume offer for new enrolments (separate Shoppers Stop terms), not entered.
- A Reward Point is worth ₹1.00 (₹0.25 on the RBL portal) only when spent at Shoppers Stop; the cash-mode figure uses that value, so it assumes the holder buys enough at Shoppers Stop to use the points.
- RBL does not state the eligibility criteria for this card.
Sources
- RBL Bank, Shoppers Stop Black Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Shoppers Stop Black Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Shoppers Stop Black Credit Card FAQs (FAQ, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank, Shoppers Stop co-branded credit card complimentary Arcelia perfume terms (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)