RBL Bank Shoppers Stop Black Credit Card

Welcome Benefits

• Activate your card and start shopping within the first 30 days to get a ₹3,000 Shoppers Stop voucher.
• Receive a specially curated welcome gift worth ₹3,000.
• Get a complimentary Shoppers Stop First Citizen Club Black membership worth ₹4,500.
• Enjoy a free makeover designed to help you refresh and refine your personal style.

Reward Rate

• Earn 4 Reward Points for every ₹200 spent on select shopping, up to 500 Reward Points per month.
• Earn 15 Reward Points for every ₹200 spent across the Shoppers Stop universe, up to 1,500 Reward Points per month.
• 1 Reward Point at Shoppers Stop is equal to ₹1.

Quarterly Milestone

Cardholders can earn a ₹1,500 Shoppers Stop voucher every quarter by spending ₹2.5 lakh during that quarter. This benefit can be useful for frequent shoppers who regularly spend a significant amount on their shopping.

Annual Milestone

Earn a ₹2,500 Shoppers Stop voucher by spending ₹8 lakh in a year. This annual milestone gives high-spending cardholders an additional voucher on top of the regular rewards and other benefits offered by the card.

Who Should Get the RBL Bank Shoppers Stop Black Credit Card

The RBL Bank Shoppers Stop Black Credit Card is best suited for people who frequently shop at Shoppers Stop and its partner brands. The card can be a good option for shoppers who regularly spend on fashion, beauty, lifestyle, and other shopping categories, as they can make better use of the accelerated rewards and shopping-related benefits.

It may also be suitable for high-spending customers who can reach the quarterly and annual spending milestones and make use of the additional Shoppers Stop vouchers. The welcome benefits, including the ₹3,000 Shoppers Stop voucher, welcome gift and complimentary First Citizen Club Black membership, can further increase the card’s value for frequent shoppers.

However, the card may not be the right choice for occasional shoppers or those who do not shop regularly at Shoppers Stop. With a joining and annual fee of ₹10,000 + GST, users should make sure that they can use enough of the card’s rewards and benefits to justify the cost.

Bottom Line

The RBL Bank Shoppers Stop Black Credit Card is a strong choice for people who regularly shop at Shoppers Stop and can make full use of its shopping benefits. The card stands out for its high reward rate on spending across the Shoppers Stop universe, along with attractive welcome benefits such as the ₹3,000 Shoppers Stop voucher, welcome gift, complimentary First Citizen Club Black membership and makeover. The quarterly and annual milestone vouchers can further increase the value for customers who have high spending.

The card’s biggest drawback is its ₹10,000 + GST joining and annual fee. This makes it difficult to recommend to occasional shoppers who may not earn enough rewards or use enough benefits to recover the fee. The card also becomes more valuable when the user shops frequently at Shoppers Stop, as many of its strongest benefits are linked to the brand.

The card is worth considering if Shoppers Stop is one of your regular shopping destinations and you have sufficient annual spending to take advantage of its rewards and milestone benefits. For someone who shops only occasionally or prefers a general-purpose credit card, a lower-fee card with broader rewards may offer better value. Therefore, before applying, users should compare their expected annual rewards and benefits with the card’s ₹10,000 + GST annual cost.