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RBL Bank Shoppers Stop Gold Credit Card
The entry rung of RBL's Shoppers Stop co-brand family — a modest ₹1,000 fee buys real in-store perks, but it's a narrow single-retailer play with an ordinary 0.5% rate everywhere else.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ 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
1.25% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- 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- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction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
- Welcome gift worth Rs. 1,000 on activation and first shopping within 30 days, plus First Citizen Club Golden Glow membership worth Rs. 750
- Rs. 500 Shoppers Stop voucher on Rs. 1 lakh quarterly shopping, Rs. 1,000 voucher on Rs. 3.5 lakh annual shopping
Pros
- + Affordable ₹1,000 fee for a co-brand card
- + Solid reward rate at Shoppers Stop
- + Welcome voucher plus Gold Membership
Cons
- − Value concentrated at one retailer
- − Ordinary 0.5% base rate elsewhere
- − No lounge access