M16S / RBL Bank / RBL Shoppers Stop Gold Credit Card
entry · cobrand, shopping
RBL Shoppers Stop Gold Credit Card
The RBL Shoppers Stop Gold Credit Card costs Rs 1,000 a year. Its base return is 0.5% (4 points per Rs 200 on select shopping). Accelerated earn: 10 points per Rs 200 at Shoppers Stop (1.25%). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- —
- Base return
- 0.5%
- 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 1,000 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Welcome benefit | Rs 1,000 welcome gift and Golden Glow membership (worth Rs 750); after fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 4 points per Rs 200 on select shopping |
| Base return | 0.5% |
| Point value | 1 point = Rs 0.25 at Shoppers Stop |
| Accelerated earn | 10 points per Rs 200 at Shoppers Stop (1.25%) |
| 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 500 voucher on Rs 1 lakh shopping per quarter; Rs 1,000 voucher on Rs 3.5 lakh a year; 1,000 bonus points on Rs 20,000 Shoppers Stop spend if previous quarter spend was Rs 50,000 |
| Reward notes | base_return_pct = 4 points per Rs 200 x Rs 0.25, 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 Gold Credit Card?
- Rs 1,000 a year, before GST.
- What is the forex markup on the RBL Shoppers Stop Gold Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Shoppers Stop Gold 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