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Credit Cards · India

RBL Bank ShopRite Credit Card

Updated 5 Jul 2026Source-linked

The RBL Bank ShopRite Credit Card is a entry credit card from RBL Bank, with a joining fee of ₹500 + GST.

It earns up to 20 pts per ₹100 (≈4.0% value) on grocery supermarket spends in the form of reward points (points).

RBL Bank logo
RBL Bank ShopRite Credit Card
Mastercard logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 20 pts per ₹100 on grocery supermarket (cap 1000 points / monthly)
  • Base 0.40% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
20 pts per ₹100 on grocery supermarket (cap 1000 points / monthly)
Base 0.40% on other spends.
Reward Redemption
RBL Rewards: Redeem at ₹0.4 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹212/mo

    You spend ₹8,000 · earns 4.0% = ₹320 uncapped → cap ₹200 clamps it, ₹120 lost to the cap · ₹12 earned at base beyond it

    • Cap ₹200/mo reached — extra spend earns base
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹32/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
  • Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹4,368/yr

₹4,368 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹75,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by RBL Bank.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹75,000.
  • Available on the Mastercard network.

Pros & Cons

Pros
  • Annual fee waivable on ₹75,000 spend.
  • Accelerated earn worth ≈4.0% on grocery supermarket.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 20 pts per ₹100 on grocery supermarket (cap 1000 points / monthly)
    20 Reward Points per ₹100 at grocery / supermarket merchants.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹100 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
Tagsentrygrocerypoints