Co-Branded Departmental Retail Shopping Card with First Citizen Rewards
Regular fashion, lifestyle, and beauty shoppers at Shoppers Stop stores and digital platforms seeking direct discounts and milestone shopping vouchers.
₹5,000
One-time upfront₹5,000
Waived on ₹4 lakh annual spend2 First Citizen Points per Rs 200 on general retail spends (0.5% 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 Platinum Credit Card is a high-reward co-branded lifestyle card crafted for avid apparel and cosmetic shoppers. Carrying an annual fee of ₹5,000 plus GST, it welcomes cardholders with premium Shoppers Stop shopping e-vouchers that immediately recoup the joining outlay. At Shoppers Stop brick-and-mortar department stores and shoppersstop.com, cardholders earn up to 10 First Citizen reward points per ₹100 spent, effectively delivering an unmatched 6% to 8% reward return on designer clothing, beauty products, and luxury accessories. Points are converted seamlessly into instant billing discounts at the counter. The card also includes complimentary domestic airport lounge access, milestone gift vouchers, and an annual renewal fee waiver on achieving ₹4,00,000 in annual spending, making it exceptionally rewarding for affluent lifestyle shoppers.
Enjoy First Citizen Platinum Aura status with priority checkouts, dedicated personal shopper assistance, free home delivery of in-store purchases, and exclusive sale access.
Receive a curated welcome gift hamper of vouchers worth ₹5,500 redeemable across leading apparel, luxury cosmetics, and footwear brands at Shoppers Stop.
Earn 10 Reward Points for every ₹100 spent at Shoppers Stop stores and online (capped at 2,500 points/month). Points redeemable at ₹0.50 each.
Enjoy 1 complimentary domestic airport lounge visit per calendar quarter across major airports in India upon spending ₹15,000 in the previous calendar quarter.
Get up to ₹200 off on the second ticket once every calendar month when booking movie tickets on BookMyShow.
Get a 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4,000 (max waiver ₹150 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 (2.5% value back) | 1,500 Reward Points/mo | Standard terms apply |
| Dining & International Spends | 4 First Citizen Points per Rs 200 on dining and international spends (1% value back) | No Cap | Standard terms apply |
| All Other Retail Spends | 2 First Citizen Points per Rs 200 on all other retail transactions (0.5% 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 | ₹6,000 | 10 First Citizen Points per Rs 200 at Shoppers Stop stores and online (2.5% value back) | — | ₹1,500/monthly | Calculating... | Under cap |
| Dining & International Spends | ₹6,000 | 4 First Citizen Points per Rs 200 on dining and international spends (1% value back) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 First Citizen Points per Rs 200 on all other retail transactions (0.5% 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-₹5,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 2,500 bonus First Citizen Points (worth Rs 1,250 at Shoppers Stop) on annual spends of Rs 2,00,000.
Earn 5,000 bonus First Citizen Points (worth Rs 2,500 at Shoppers Stop) on annual spends of Rs 4,00,000 (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
• Eligibility: Salaried and self-employed Indian individuals aged 21 to 65 years with established retail credit history. • Joining & Annual Fee: ₹5,000 + GST; annual renewal fee waived on annual retail spending of ₹4,00,000. • Welcome Gift: Shoppers Stop shopping e-vouchers worth ₹5,000 credited upon fee payment and card activation. • In-Store Accelerated Rewards: Earn up to 10 First Citizen reward points per ₹100 spent at Shoppers Stop stores and online platform. • Other Retail Rewards: 2 First Citizen reward points per ₹100 spent on dining, grocery, and general retail categories. • Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year). • First Citizen Elite Status: Automatic enrollment into Shoppers Stop First Citizen Golden Glow / Black loyalty tier. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel stations.
Evaluate whether this card's perks and waiver threshold justify its ₹5,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding RBL Shoppers Stop Platinum Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official RBL Bank portal with paperless verification.
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