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RBL Bank Shoppers Stop Black Credit Card
The top tier of RBL's new three-way Shoppers Stop co-brand — the welcome gifts and First Citizen Black membership are genuinely lucrative if you already shop there heavily, but a ₹10,000 fee is a lot to pay for a single-retailer card.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in online shopping. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
- Golf: Not offered
Benefits by category
- 🛍️ Shopping
7.5% reward rate (capped ₹1,500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- ₹3,000 Shoppers Stop voucher plus a curated welcome gift worth ₹3,000 on activation within 30 days
- ₹1,500 voucher on ₹2.5L quarterly spend, ₹2,500 voucher on ₹8L annual spend
- Complimentary First Citizen Black membership at Shoppers Stop
- 15 Reward Points per Rs. 200 across the Shoppers Stop universe (1 point = Rs. 1 at Shoppers Stop, up to 1,500 points a month); 4 points per Rs. 200 on other select shopping (up to 500 a month)
Pros
- + Rs. 6,000+ in welcome vouchers and gifts
- + Up to 7.5% value back at Shoppers Stop (1,500 points a month)
- + First Citizen Black membership included
Cons
- − High ₹10,000 annual fee
- − Value concentrated almost entirely at one retailer
- − Standard 3.5% forex markup