M16S / RBL Bank / RBL Shoppers Stop Black Credit Card
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RBL Shoppers Stop Black Credit Card
The RBL Shoppers Stop Black Credit Card costs Rs 10,000 a year. Its base return is 2% (4 points per Rs 200 on other select shopping). Accelerated earn: 15 points per Rs 200 at Shoppers Stop (7.5%). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 10,000+ GST
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 10,000 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Welcome benefit | Rs 3,000 Shoppers Stop voucher plus Rs 3,000 welcome gift, First Citizen Club Black membership (worth Rs 4,500), makeover; after fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 4 points per Rs 200 on other select shopping |
| Base return | 2% |
| Point value | 1 point = Re 1 at Shoppers Stop |
| Accelerated earn | 15 points per Rs 200 at Shoppers Stop (7.5%) |
| Caps | 1,500 points per month at Shoppers Stop; 500 points per month on other select shopping |
| Spends that earn nothing | No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions |
| Milestone benefits | Rs 1,500 voucher on Rs 2.5 lakh shopping per quarter; Rs 2,500 voucher on Rs 8 lakh a year; 1,000 bonus points on Rs 20,000 Shoppers Stop spend if previous quarter spend was Rs 75,000 |
| Reward notes | base_return_pct = 4 points per Rs 200 x Re 1, on 'select shopping' only and capped at 500 points a month. |
Travel and perks
| Forex markup | 3.5% |
|---|
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | Read on the issuer product page; product T&C PDF linked there was not opened. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL Shoppers Stop Black Credit Card?
- Rs 10,000 a year, before GST.
- What is the forex markup on the RBL Shoppers Stop Black Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Shoppers Stop Black Credit Card?
- No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions