RBL Bank
RBL Bank ShopRite Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.25% base, up to 5% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The ShopRite is built for grocery shopping. Groceries earn 20 points per Rs 100, about 5% back, capped at 1,000 points a month, which is Rs 250. Other spends earn 1 point per Rs 100, about 0.25%, and fuel earns nothing. You get 2,000 welcome points and 10% off movie tickets on BookMyShow.
It costs Rs 500 to join and Rs 500 a year, and the fee is waived once you spend ₹1,50,000 in the year. If you max out the grocery cap each month, the fee is covered twice over.
It suits households who buy groceries on card, and first-time users, since the income needed is low. The catch is the cap. Past about Rs 5,000 of grocery spend a month, you earn almost nothing extra.
Best for: Families with a monthly grocery bill, First-time card users, Low-income applicants.
01RBL Bank ShopRite Credit Card Rewards and Benefits
02RBL Bank ShopRite Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 5%₹250
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹3,456 a year₹288
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹3,456
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 5% back, up to ₹250 a month
- Spending ₹12,500 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on groceries: the 5% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500 each
- Fee waived on ₹1,50,000 annual spend
- About 5% back on groceries, up to ₹250 a month
- About 0.25% on other spends, no points on fuel
- 2,000 welcome reward points
- 10% off movie tickets on BookMyShow
05Pros and Cons
Pros
- High 5% value on groceries
- Welcome points on joining
- Low income requirement of around ₹12,000 a month
- Fee waiver is reachable
Cons
- Grocery rewards capped at ₹250 a month
- Very low 0.25% on everything else
- No points on fuel
- 3.5% forex markup
06How RBL Bank ShopRite Credit Card earns Rewards
0.25% base, up to 5% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 0.25% | No cap | The card's normal rate |
| Groceries | 5% | ₹250 | All merchants in the categoryTerms: 5% on grocery (20 RP/₹100, RP ₹0.25), capped 1,000 RP a month (~₹5,000 spend) |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 RP per ₹100 base (~0.25%); fuel & auto, utilities, insurance, rent, wallets, education, government services and EMI earn nothing (utilities, insurance & EMI since Oct 2023); ₹99 + GST redemption fee
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07RBL Bank ShopRite Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver (on ₹500 to 4,000 transactions) up to ₹100 a month
- Movie ticket offers: 10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year, RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
08RBL Bank ShopRite Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What RBL Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 7 Jan 2026 | Reduced: New 1% fee on large FASTag top-ups and toll paymentsSource: RBL Bank | No FASTag or toll transaction fee | 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000 |
| 15 Oct 2024 | Reduced: More categories excluded from base reward pointsSource: RBL Bank | Base points on most remaining spends | Nil points on education, government, contracted services, cash, Bills2Pay |
| 15 Oct 2024 | Reduced: New 1% fees on large fuel, utility & education spendsSource: RBL Bank | No category surcharge on fuel/utility/education | 1% on large fuel, high-value utility & third-party education |
| 9 Oct 2023 | Reduced: Reward points removed on utilities, insurance, fuel & moreSource: RBL Bank | Base points on most everyday spends | No points on insurance, wallet, fuel, utility, rental, railways, misc.; utilities/insurance/EMI ineligible |
| 15 May 2023 | Changed: ShopRite issued as successor to RBL's discontinued Zomato Edition cards | - | - |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to RBL Bank ShopRite Credit Card
RBL Bank ShopRite Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | RBL Bank ShopRite Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% base, up to 5% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the RBL ShopRite card free?
No. It costs ₹500 to join and ₹500 a year, plus GST. The annual fee is waived once you spend ₹1,50,000 in a year.
How much do I earn on groceries?
20 points per ₹100, about 5% back, up to 1,000 points a month.
What is the joining fee for the RBL Bank ShopRite Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the RBL Bank ShopRite Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with RBL Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
