RBL Bank
The top Shoppers Stop co-brand tier at a ₹10,000 fee, with the family's best in-store point value but no lounge access despite the premium name.
reward points
Milestone rewards
Welcome benefits: ₹3,000 Shoppers Stop shopping voucher, complimentary gift worth up to ₹3,000, 12-month First Citizen Black Card membership worth ₹4,500, and a complimentary makeover — gated on a retail transaction within 30 days plus fee payment within 60 days. Bonus: 1,000 extra points on a single ₹20,000+ Shoppers Stop transaction, gated on ₹75,000+ prior-quarter spend (higher than Gold/Platinum's ₹50,000; EOSS excluded). A ₹99+GST reward redemption fee applies on RBL Rewards Portal redemptions.
Not published by the issuer.
No specific eligibility criteria published by the issuer.
Verified from official issuer sources. Last verified 2 September 2026
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ICICI Bank
A premium travel and lifestyle card carrying a substantial joining fee. Its value is concentrated in lounge access, welcome vouchers and golf rather than the earn rate, so it suits heavy travellers and nobody else.
ICICI Bank
ICICI's top card, by invitation through a relationship manager only. Unlimited lounge access and golf, the lowest forex markup in the portfolio, and no late payment fee at all — but the reward rate is stated per ₹200, not per ₹100, and capped hard on everyday categories.
ICICI Bank
The lowest forex markup in ICICI's range at 0.99%, which makes it interesting well beyond MakeMyTrip. The rewards are myCash — MakeMyTrip wallet credit, not cash — so their value depends entirely on booking through that one platform.
