Co-Branded Fashion Retail Card with Shoppers Stop First Citizen Perks
Frequent fashion shoppers, department store buyers, and Shoppers Stop First Citizen loyalty members
₹1,000
One-time upfront₹1,000
Waived on ₹2 lakh annual spend2 First Citizen Points per Rs 200 on general retail spends (0.25% value back)
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 Gold Credit Card is a co-branded retail credit card created in partnership with India's premier department store chain, Shoppers Stop, engineered for fashion enthusiasts and lifestyle shoppers. Cardholders earn accelerated First Citizen reward points on all apparel, cosmetics, and footwear purchases across Shoppers Stop, Home Stop, and official online portals, effectively multiplying savings on leading luxury and high-street brands. The card carries a ₹1,000 + GST joining fee and an annual renewal fee of ₹1,000 + GST, which is completely waived upon achieving ₹2,00,000 in annual retail purchases. In addition, new cardholders receive welcome Shoppers Stop shopping vouchers to offset the initial joining fee. However, the card's accelerated rewards are heavily concentrated within the Shoppers Stop ecosystem; general retail purchases earn standard baseline points, and reward point redemptions incur RBL's standard ₹99 + GST processing fee. Who should consider it: Dedicated Shoppers Stop patrons and First Citizen loyalty members who spend significantly on lifestyle apparel and home furnishings. Who should avoid it: General online shoppers who prefer universal cashback across varied e-commerce platforms like Amazon or Myntra.
Enjoy automatic upgrade to First Citizen Golden Glow membership with priority billing access, exclusive preview sale invitations, and complimentary alteration services.
Receive discount and brand vouchers worth ₹3,000 redeemable across apparel, beauty, and footwear at Shoppers Stop within 60 days of card issuance.
Earn 10 Reward Points for every ₹100 spent at Shoppers Stop stores and online (capped at 1,500 points/month). Points redeemable at ₹0.25 each.
Get a 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4,000 (max waiver ₹100 per month).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Shoppers Stop Stores & Online | 10 First Citizen Points per Rs 200 at Shoppers Stop stores and online (1.25% value back) | 1,500 Reward Points/mo | Standard terms apply |
| All Other Retail Spends | 2 First Citizen Points per Rs 200 on all other retail transactions (0.25% value back) | No Cap | 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 | ₹12,000 | 10 First Citizen Points per Rs 200 at Shoppers Stop stores and online (1.25% value back) | — | ₹1,500/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 First Citizen Points per Rs 200 on all other retail transactions (0.25% value back) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹100000.00 in a card anniversary year to get 100% waiver of the ₹500.00 annual renewal fee.
Spend Rs 2,00,000 in previous year to waive the Rs 1,000 annual renewal 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
Key Terms & Conditions for RBL Shoppers Stop Gold Credit Card: • Joining & Annual Fee: ₹1,000 + GST joining fee; ₹1,000 + GST annual renewal fee (Waived on spending ₹2,00,000+ in preceding membership year). • Accelerated Spends: Earn accelerated First Citizen reward points on purchases at Shoppers Stop stores, Home Stop, and shoppersstop.com. • Welcome Privilege: Complimentary Shoppers Stop shopping vouchers issued upon card activation. • General Rewards: Earn base reward points on all other eligible retail and merchant POS expenditures. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at domestic petrol pumps. • Reward Redemption Fee: Standard ₹99 + GST processing fee per catalog redemption request. • Finance Charges: Up to 3.99% per month (47.88% per annum) on revolving unpaid balances. • Foreign Exchange Markup: Standard 3.50% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding RBL Shoppers Stop Gold 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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