Super-Premium Retail Fashion Card with 20 First Citizen Points at Shoppers Stop
High-spending fashion shoppers, departmental retail buyers, and luxury wardrobe curators who regularly shop across Shoppers Stop retail stores and app.
₹10,000
One-time upfront₹10,000
Waived on ₹8 lakh annual spend4 pts/Rs 200 on other retail (cap 500/mo); 15 pts/Rs 200 at Shoppers Stop (cap 1500/mo); 1 pt = Rs 1
On eligible spends3.50% + GST
Cross-currency spendsLast verified 12 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The RBL Shoppers Stop Black Credit Card is a boutique luxury retail credit card engineered in close partnership between RBL Bank and Shoppers Stop. Priced at ₹10,000 plus GST, it targets dedicated department store shoppers and high-end fashion buyers by immediately delivering a ₹10,000 Shoppers Stop shopping voucher alongside instant upgrade to the prestigious First Citizen Black tier membership. The card's retail rewards engine is formidable: cardholders earn 20 First Citizen Reward Points per ₹100 spent at Shoppers Stop stores and website, translating into an exceptional 12% effective reward yield (where 1 point = ₹0.60 redemption value). On all other domestic retail and dining spending outside Shoppers Stop, cardholders earn 5 First Citizen points per ₹100 (a 3% value return). Reward points are redeemed seamlessly at any Shoppers Stop store billing counter for instant price reductions. Cardholders also enjoy VIP in-store privileges, including personalized styling assistance, priority billing counters, free garment alterations, and dedicated parking privileges at flagship Shoppers Stop department stores nationwide. On the travel front, cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter. The ₹10,000 renewal fee is waived upon spending ₹8,00,000 in an anniversary year. For urban families and style enthusiasts who concentrate their apparel, cosmetics, and fragrance purchases at Shoppers Stop, this card delivers unmatched retail savings.
Access the elite First Citizen Black tier: complimentary valet parking at select stores, exclusive VIP lounge access at flagship Shoppers Stop stores, dedicated personal stylist, and priority checkout.
Receive an exclusive welcome hamper of vouchers worth ₹8,500 redeemable across luxury beauty, premium apparel, and fragrance brands at Shoppers Stop.
Earn an unmatched 15 Reward Points for every ₹100 spent at Shoppers Stop stores and online (capped at 5,000 points/month). 1 Reward Point = ₹1.00 cash equivalent.
Enjoy 2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year) across India plus 2 complimentary international lounge visits per year via Priority Pass.
Enjoy up to ₹250 off on the second movie ticket twice every calendar month on BookMyShow (save up to ₹6,000/year).
Get a 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4,000 (max waiver ₹250 per month).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Shoppers Stop Stores & Online | 15 First Citizen Points per Rs 200 across Shoppers Stop universe (7.5% value back; 1 RP = Rs 1) | 1,500 Reward Points/mo | Standard terms apply |
| Dining & International Spends | 4 First Citizen Points per Rs 200 on dining and international spends (2% value back) | No Cap | Standard terms apply |
| All Other Retail Spends | 4 First Citizen Points per Rs 200 on other eligible retail transactions (2% value back; 1 RP = Rs 1) | 500 Reward Points/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Shoppers Stop Stores & Online | ₹6,000 | 15 First Citizen Points per Rs 200 across Shoppers Stop universe (7.5% value back; 1 RP = Rs 1) | — | ₹1,500/monthly | Calculating... | Under cap |
| Dining & International Spends | ₹6,000 | 4 First Citizen Points per Rs 200 on dining and international spends (2% value back) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 4 First Citizen Points per Rs 200 on other eligible retail transactions (2% value back; 1 RP = Rs 1) | — | ₹500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹10,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 5,000 bonus First Citizen Points (worth Rs 5,000 at Shoppers Stop) on annual spends of Rs 4,00,000.
Earn 10,000 bonus First Citizen Points (worth Rs 10,000 at Shoppers Stop) on annual spends of Rs 8,00,000 (also waives annual fee).
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹10,000 + GST; Annual Renewal Fee: ₹10,000 + GST. • Annual Fee Waiver: Spend ₹8,00,000 or more in an anniversary year to waive the ₹10,000 renewal fee. • Welcome Benefit: ₹10,000 Shoppers Stop shopping voucher + complimentary First Citizen Black tier membership status. • Rewards at Shoppers Stop: 15 First Citizen Reward Points per ₹200 spent across Shoppers Stop universe (7.5% return; capped at 1,500 points/month). • Rewards Outside: 4 First Citizen Reward Points per ₹200 on other eligible retail spends (2% return; capped at 500 points/month). • Point Valuation: 1 First Citizen Point = ₹1.00 at Shoppers Stop checkout counters. • In-Store VIP Services: Dedicated personal shopper, priority checkout, complimentary tailoring/alterations, and valet parking. • Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter across major Indian airports. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 across all petrol pumps.
Evaluate whether this card's perks and waiver threshold justify its ₹10,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding RBL Shoppers Stop Black Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official RBL Bank portal with paperless verification.
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