RBL Bank Shoppers Stop Platinum Credit Card
10 points/full ₹200 in-store at Shoppers Stop, 1,500-point monthly cap; ₹0.5/point store-only value, not cash. ₹5,000+GST annual fee; one conservative redemption fee provision.
Try your spend →How this estimate works
Current named issuer terms give 10 reward points per complete ₹200 at the Shoppers Stop Universe, capped at 1,500 points per billing cycle, and 4 points per complete ₹200 on other eligible retail purchases, separately capped at 500 points per billing cycle. Partial blocks do not earn; this model assumes one eligible purchase repeated monthly. Only Shoppers Stop branded in-store purchases use the accelerated rate; online and affiliate scope remain unverified and are left unscored on the Shoppers Stop chip. Ordinary shopping and dining may earn base points, but using their displayed value requires a separate future redemption at Shoppers Stop. The named terms state ₹0.5 per point when redeemed at Shoppers Stop. This is restricted store redemption value, NOT cash or a guaranteed bill credit. RBL portal value is only "up to" ₹0.25 per point, so that route is not valued. The displayed gross is earned store-value equivalent after a conservative single annual ₹99+GST redemption fee provision, not proof of a completed redemption. Current RBL schedule charges ₹99+GST per redemption day and gives no exemption for this card; exact direct-store fee mechanics, store redemption minimum and point expiry are not verified. Check those conditions with RBL and Shoppers Stop before relying on a claim. No invented minimum is used and no First Citizen loyalty point value is substituted for these credit-card points. Annual membership fee ₹5,000+GST is separately deducted, without assuming waiver. Fuel/auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets/service providers, government, contracted services, cash, miscellaneous, Bills2Pay, EMI, fees and GST are excluded under the card-specific terms. Actual MCC and settled transaction date control. Welcome gifts, First Citizen membership value, quarterly/annual milestones, 1,000-point quarterly bonus, sale-period offers, lounge and other perks are omitted. Black product copy says ₹50,000 previous-quarter bonus eligibility while its specific terms say ₹75,000; the bonus is not modeled on any card. Confirm account eligibility, final fee and direct-store redemption before relying on the restricted value.
Issuer sources
Named product · Earn, caps, point value and exclusions · Annual fee and redemption charges · Portal redemption terms
Terms checked 30 September 2026. Restricted store value, not guaranteed cashout. Store redemption minimum and exact direct-store fee mechanics unverified.