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RBL Bank
RBL Bank Shoppers Stop Black Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Benefits by category
- 🛍️ Shopping
1.9% reward rate
- 🌍 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
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
Pros
- + ₹6,000+ in welcome vouchers and gifts
- + Strong in-store reward rate at Shoppers Stop
- + First Citizen Black membership included
Cons
- − High ₹10,000 annual fee
- − Value concentrated almost entirely at one retailer
- − Standard 3.5% forex markup