DEPARTMENTAL STORESVerified 2026 Rules

Best Credit Cards for Shoppers Stop (2026)

Shoppers Stop is India's premier department store chain and fashion retail platform offering designer apparel, beauty, fragrances, footwear, and luxury lifestyle accessories across 100+ stores nationwide and online. Maximize your shopping savings with up to 15% reward value, First Citizen Black tier privileges, and exclusive brand discount vouchers.

Visit Shoppers Stop

5 Eligible Cards

Up to 7.5% on eligible spends

Featured Partner: RBL Shoppers Stop Black Credit Card (₹375/mo · 7.5%)

4 Active Offers

SELECT YOUR MONTHLY SHOPPERS STOP SPEND

How Much Do You Spend on Shoppers Stop?

Adjust the spend slider to calculate real-time rupee earnings and compare card rewards.

Monthly Spend

₹5,000/ month

Eligible Cards for ₹5,000/Month on Shoppers Stop

Verified monthly reward values calculated for your selected spend.

Sorted By: Partner Priority & Reward Value

RBL Bank

Featured Partner CardHighest Calculated Return15 First Citizen Points per Rs 200 across Shoppers Stop universe (7.5% value back; 1 RP = Rs 1)Departmental Stores

RBL Shoppers Stop Black Credit Card

Super-Premium Retail Fashion Card with 20 First Citizen Points at Shoppers Stop

MERCHANT REWARDS₹375 / mo₹4,500/yr projected

EFFECTIVE RETURN7.5%1 Reward Point = ₹1

ADVERTISED EARN RATE7.5% pointsReward Points

ANNUAL FEE₹10,000/yrAnnual renewal

Reward Cap: ₹1,500/monthly · Valuation: 1 Reward Point = ₹1

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HDFC Bank

Featured Partner Card8 Reward Points per ₹150 spent on Shoppers Stop Partner Brands (5.33% return; 1 RP = ₹1.00 on vouchers)Departmental Stores

Shoppers Stop Black HDFC Bank Credit Card

Super-Premium Retail Fashion & Luxury Department Store Privileges

MERCHANT REWARDS₹267 / mo₹3,204/yr projected

EFFECTIVE RETURN5.33%1 Reward Point = ₹1

ADVERTISED EARN RATE5.33% pointsReward Points

ANNUAL FEE₹4,500/yrAnnual renewal

Reward Cap: ₹2,000/monthly · Valuation: 1 Reward Point = ₹1

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HDFC Bank

Featured Partner Card3% Reward Points on purchases at Shoppers Stop stores and website (max 500 RP/month; 1 RP = ₹1.00 on vouchers)Departmental Stores

Shoppers Stop HDFC Bank Credit Card

Departmental Store Retail Privilege — Up to 3% Rewards at Shoppers Stop & First Citizen Tier

MERCHANT REWARDS₹150 / mo₹1,800/yr projected

EFFECTIVE RETURN3%1 Reward Point = ₹1

ADVERTISED EARN RATE3% pointsReward Points

ANNUAL FEE₹299/yrAnnual renewal

Reward Cap: ₹500/monthly · Valuation: 1 Reward Point = ₹1

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RBL Bank

Featured Partner Card5% POINTS (2.5% Return)Departmental Stores

RBL Shoppers Stop Platinum Credit Card

Co-Branded Departmental Retail Shopping Card with First Citizen Rewards

MERCHANT REWARDS₹125 / mo₹1,500/yr projected

EFFECTIVE RETURN2.5%1 Reward Point = ₹0.5

ADVERTISED EARN RATE5% pointsReward Points

ANNUAL FEE₹5,000/yrAnnual renewal

Reward Cap: ₹1,500/monthly · Valuation: 1 Reward Point = ₹0.5

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RBL Bank

Featured Partner Card5% POINTS (1.25% Return)Departmental Stores

RBL Shoppers Stop Gold Credit Card

Co-Branded Fashion Retail Card with Shoppers Stop First Citizen Perks

MERCHANT REWARDS₹63 / mo₹756/yr projected

EFFECTIVE RETURN1.25%1 Reward Point = ₹0.25

ADVERTISED EARN RATE5% pointsReward Points

ANNUAL FEE₹1,000/yrAnnual renewal

Reward Cap: ₹1,500/monthly · Valuation: 1 Reward Point = ₹0.25

Apply Now View Card Compare

Active Bank Offers & Promo Codes on Shoppers Stop

4 Live Offers

6% Instant DiscountLive Now

20 First Citizen Points per ₹200 on Shoppers Stop Private Labels

Earn accelerated 20 First Citizen Points per ₹200 spent on Shoppers Stop private brand labels and 10 points per ₹200 on other brands with Axis Bank Shoppers Stop Card.

Min. Order₹200

Max Savings₹2,000

Promo Code:AUTO EARNED

5% CashbackLive Now

5% Direct Statement Cashback on shoppersstop.com Online Orders

Earn flat 5% statement cashback automatically credited on every online order placed at shoppersstop.com up to ₹2,000/cycle with Cashback SBI Card.

Min. Order₹0

Max Savings₹2,000

Promo Code:NO CODE NEEDED

7% Instant DiscountLive Now

7% Reward Points + First Citizen Black Tier on HDFC SS Black

Get 7% accelerated reward points on all Shoppers Stop spends plus complimentary First Citizen Black tier membership privileges.

Min. Order₹0

Max Savings₹3,000

Promo Code:CARD BENEFIT

15% Instant DiscountLive Now

Up to 15% Reward Points on Shoppers Stop with RBL Black Card

Earn an unmatched 15 Reward Points per ₹100 spent (15.00% return) on all Shoppers Stop store and online purchases with RBL Shoppers Stop Black Card.

Min. Order₹0

Max Savings₹5,000

Promo Code:IN-STORE & ONLINE

REWARDS INTELLIGENCE • E-COMMERCE & ONLINE SHOPPING

Best Online Shopping Credit Cards

How Credit Card Rewards Work on Shoppers Stop

Purchases on Shoppers Stop generate peak value through platform co-branded cards (offering 5% uncapped or high-cap statement cashback) and select multi-category cashback cards. While co-branded cards deliver reliable year-round 5% cashback, major festive sale events (such as Great Indian Festival or Big Billion Days) frequently feature temporary 10% instant bank discounts on partner cards that can outperform everyday rewards on large appliance and electronics orders.

Sale Dynamics

Festive Sale Promos vs Everyday Cashback

During major sale events, instant 10% bank partner discounts (typically capped at ₹1,500–₹2,500) offer superior one-time savings on big purchases, whereas co-branded 5% cards provide consistent, uncapped value throughout the rest of the year.

Exclusion Terms

Gift Card & Wallet Exclusions

Purchases of digital gift cards, wallet top-ups, gold/bullion coins, and bill payments on Shoppers Stop are excluded from 5% accelerated cashback and earn only base 1% or zero rewards depending on bank terms.

Cashback Cap Limits

Membership Tiers & Cap Dynamics

Co-branded cards provide uncapped or high-cap returns, whereas general cashback cards typically enforce a ₹1,000 to ₹5,000 monthly cashback ceiling across all retail spend.

SPEND-TIER ANALYSIS

How Card Value and Returns Shift as Your Spend Increases

Because retail spend on Shoppers Stop ranges from small household items to high-ticket electronics, comparing everyday cashback rates against monthly reward caps ensures you maximize realized rupee returns.

₹2,000 – ₹5,000 / month

Everyday Household Shopper

Everyday purchases on co-branded cards earn ₹100–₹250 in monthly cashback with zero minimum spend hurdles and no fee drag on lifetime-free cards.

Sweet Spot

₹10,000 – ₹25,000 / month

Active Family Shopper (Sweet Spot)

Co-branded cards (like Amazon Pay ICICI or Flipkart Axis) generate ₹500 to ₹1,250 net monthly cashback without hitting category limits, delivering predictable 5% valueback.

₹50,000+ / month

Electronics & Big-Ticket Spends

For large purchases (laptops, televisions, appliances), check whether instant bank sale promos (10% off) beat 5% cashback, and ensure the transaction does not breach monthly cashback caps on general cards.

DECISION FRAMEWORK

Four Factors to Check Before Applying for a Shoppers Stop Card

Use this checklist to ensure the card fits your spending profile and delivers real net savings.

Check Membership Requirements

Check if the card requires membership status or platform routing for maximum earn rates.

Compare Shopping Cards

Review Category Exclusions

Verify that your planned purchase (e.g. gift cards, gold, recharges) is not excluded from accelerated rates.

Evaluate Monthly Cashback Caps

Prefer uncapped cards for high monthly spends to avoid losing cashback above monthly limit thresholds.

Calculate Net Cashback

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Discover our full ranking of curated shopping credit cards across Indian e-commerce merchants.

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Frequently Asked Questions on Shoppers Stop Credit Cards

Everything you need to know about maximizing cashback, exclusions, and stacking coupons on Shoppers Stop.

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Which credit card gives the highest rewards or cashback on Shoppers Stop?

The highest-earning cards for Shoppers Stop include RBL Shoppers Stop Black Credit Card, RBL Shoppers Stop Gold Credit Card, RBL Shoppers Stop Platinum Credit Card. These cards offer accelerated rewards, merchant-specific cashback, or dedicated co-branded benefits on eligible transactions.

Can I combine credit card cashback with Shoppers Stop promo codes?

Yes. Credit card cashback and statement credits are processed at the card level by your bank and stack with on-screen coupon codes, merchant discounts, and platform vouchers during checkout on Shoppers Stop.

Are there spend caps or category exclusions on Shoppers Stop purchases?

Most reward programs specify monthly or per-statement-cycle reward caps. Purchases involving wallet loading, gift cards, or commercial transactions on Shoppers Stop may be excluded from accelerated rewards under standard bank terms.

How do I receive or redeem cashback earned on Shoppers Stop?

Cashback is typically credited directly to your credit card statement in subsequent billing cycles, while reward points can be redeemed through the bank's rewards portal for travel bookings, vouchers, or statement credit.

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Myntra

Online Shopping

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Myntra is a major Indian fashion and lifestyle marketplace for clothing, footwear and accessories.

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AJIO

Online Shopping

1 Eligible Card

AJIO is Reliance Retail's fashion and lifestyle e-commerce platform offering 5,000+ brands including AJIO Luxe, indie brands, and international labels. Compare the best credit cards offering up to 5% direct cashback and periodic 10-15% instant bank discount offers on AJIO.

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Nykaa

Beauty & Personal Care

2 Eligible Cards

Nykaa is an Indian beauty, cosmetics, personal-care and fashion marketplace.

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Amazon

Online Shopping

8 Eligible Cards

Amazon India is a major online marketplace for electronics, fashion, groceries, home products and everyday shopping.

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Flipkart

Online Shopping

8 Eligible Cards

Flipkart is one of India's largest online marketplaces for electronics, appliances, fashion, home products and general merchandise.

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Google Pay

Online Shopping

3 Eligible Cards

Google Pay is India's leading digital payments and UPI application by Google, facilitating secure merchant payments, bill recharges, and credit-on-UPI transactions.

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