RBL Bank ShopRite Credit Card benefits
- Rewards20
points per ₹100 on groceries (up to 5%)
- RewardsUp to 1,000
grocery points a month
- Benefit10%
off BookMyShow tickets, 15 times a year
- Rewards2,000
welcome points
Good to know
- Annual fee ₹500, waived on ₹1.5 lakh
RBL Bank ShopRite Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Groceries20 reward points per ₹100 on grocery shopping, up to 1,000 points a month. | 20 points per ₹100 | 1,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Quasi-cash, education, government services, contracted services, cash and Bills2Pay.
All reward rules
- RBL Bank says each reward point is redeemable for up to ₹0.25, which makes groceries up to 5% back. We use ₹0.25.
- Welcome benefit: 2,000 reward points after the membership fee is paid.
- 10% off movie tickets on BookMyShow, up to ₹100, 15 times a calendar year.
- On RuPay cards, offline UPI payments under ₹2,000 at small merchants earn no points.
What the RBL Bank ShopRite Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “a bit of everything” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹6,000 | 5% (limit hit) | ₹3,000 |
| Dining and food delivery | ₹3,000 | 0.25% | ₹90 |
| Online shopping | ₹8,000 | 0.25% | ₹240 |
| Travel | ₹3,000 | 0.25% | ₹90 |
| Fuel | ₹3,000 | 0.25% | ₹90 |
| Bills and utilities | ₹3,000 | 0.25% | ₹90 |
| Everything else | ₹4,000 | 0.25% | ₹120 |
| Total | ₹30,000 | ₹3,720 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,720* |
RBL Bank ShopRite Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,50,000 a year
- Foreign currency markup
- 3.5%
RBL Bank charges an annual membership fee of ₹500, waived on spends of ₹1.5 lakh in a membership year. Fees are before GST.
Fuel surcharge: Fuel surcharge waiver on purchases from ₹500 to ₹4,000, up to ₹100 a month.
RBL Bank ShopRite Credit Card eligibility
RBL Bank's card page does not publish age or income limits. The bank decides when you apply.
The bank alone decides approval and your credit limit.
RBL Bank ShopRite Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the RBL Bank ShopRite Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 5% on groceries and a below-average 0.25% elsewhere.
Worth its fee if you spend about ₹5,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on groceries: the card pays 5% back there, against 0.25% on most other spends.
- You spend ₹1,50,000 a year or more (about ₹12,500 a month), so the ₹500 renewal fee is waived.
Not for you if
- You spend less than about ₹12,500 a month: you would pay ₹590 a year with GST.
- You spend more than ₹5,000 a month on groceries: the higher rate stops there.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to RBL Bank ShopRite Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| RBL Bank ShopRite Credit Card | ₹500 | 5% | ₹3,720* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹17,100 a year, against ₹3,720 with the RBL Bank ShopRite Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the RBL ShopRite Credit Card?
₹500 plus GST a year, waived if you spend ₹1.5 lakh in a membership year.
How much do I earn on groceries?
20 reward points per ₹100, up to 1,000 points a month. RBL Bank values each point at up to ₹0.25, so that is up to 5% back.
Which spends earn no points?
Quasi-cash, education, government services, contracted services, cash and Bills2Pay payments. On RuPay cards, offline UPI payments under ₹2,000 at small merchants also earn none.
Which networks is the card on?
RBL Bank issues it on Mastercard, Visa and RuPay. The RuPay card can be used on UPI.