RBL Bank ShopRite Credit Card Review (2026)

Quick verdict: The RBL Bank ShopRite Credit Card is best for grocery shopping. It earns 20 RP per Rs 100 on groceries, with an annual fee of Rs 500 (waiver on Rs 1.5L spend). ShopRite returns up to 5% on grocery merchants, but only on the first Rs 5,000 of groceries a month (Rs 250 of value at the up-to Rs 0.25 per point RBL states), and 0.25% on other eligible spends; the Rs 500 + GST fee (Rs 590.00) is waived after Rs 1.5 lakh of eligible yearly spend, and the Rs 99 + GST redemption fee makes infrequent redemption worth planning for; see Our Analysis below.

Overview

The RBL Bank ShopRite is a low-fee card aimed squarely at grocery shoppers, returning 20 reward points per Rs 100 on grocery spends — a strong rate for everyday kitchen and household buys.

It adds a fuel surcharge waiver, and the Rs 500 fee is waived on Rs 1.5 lakh of retail spend in a membership year, making it a practical secondary card for grocery-heavy households.

Fees & Charges

Rewards & Benefits

• 20 reward points per Rs 100 on grocery spends (capped at 1,000 reward points a month).
• 1 reward point per Rs 100 on other spends.
• Reward points redeem at up to Rs 0.25 each, so 1,000 points is worth about Rs 250.
• 1% fuel surcharge waiver on transactions between Rs 500 and Rs 4,000, capped at Rs 100 a month.

Our Analysis: A Rs 250-a-Month Grocery Card Where Redemption Timing Matters

Our analysisShopRite’s grocery rate is high but its ceiling is low: the accelerated points stop at Rs 5,000 of grocery spend a month. Within that ceiling the decisions that move the result are whether your yearly spend clears the fee waiver, and how often you pay RBL’s redemption fee.

1. The grocery rate and its ceiling

• Issuer fact20 reward points per Rs 100 on grocery merchants (MCC 5411, 5422, 5441, 5451, 5499) up to 1,000 points a month, then 1 point per Rs 100; 1 point per Rs 100 on other eligible retail spends. RBL says each point is redeemable for “up to” Rs 0.25 and calls the grocery rate 5% value back. The terms count a month as one billing cycle.
• Issuer factNo points on fuel and auto, utilities, insurance, railways, rent, wallets, education, government services, cash, Bills2Pay, EMI conversions and similar categories; offline RuPay UPI payments under Rs 2,000 at small merchants earn nothing.
• CalculationAt the stated maximum value, groceries return 5.00% and other spends 0.25%. The cap is reached at Rs 5,000 of groceries, worth Rs 250 a month or Rs 3,000 a year. The next Rs 5,000 of groceries in the same month adds only Rs 12.50.

2. Fee, waiver and the welcome points

• Issuer factAnnual fee Rs 500 + GST, waived for the next membership year after Rs 1,50,000 of eligible retail spend; fuel and auto, utilities, insurance, rent, wallets, education, railways and EMI conversions do not count. 2,000 welcome points follow an eligible transaction in the first 30 days, but only once the first-year fee is paid by its due date.
• CalculationThe fee is Rs 590.00 with GST, and the welcome points are worth up to Rs 500, leaving the first year Rs 90.00 short on fees before any spending reward. The waiver needs about Rs 12,500 of eligible spend a month.

3. Four monthly patterns

AssumptionSpending is the same every month, all of it eligible, points are valued at the Rs 0.25 maximum, and points are redeemed once a year. The year shown is a renewal year, with the fee charged only where that year’s spend is below Rs 1,50,000.

CalculationDoubling groceries from Rs 5,000 to Rs 10,000 a month (with other spend held at Rs 3,000) raises the yearly value from Rs 3,090 to Rs 3,240, but the extra spend lifts the year past Rs 1,50,000, which removes the next year’s fee.

4. How often to redeem

• Issuer factRBL charges Rs 99 + GST per redemption, levied once for all redemptions made on the same day.

AssumptionThe Rs 5,000 groceries and Rs 8,000 other pattern. Our analysisBecause the monthly value is capped at about Rs 270 in this pattern, frequent redemption gives a large part of it back as fees; letting points build up costs much less, provided the points are still valid under RBL’s rewards-site terms, which we did not read.

5. The other benefits, and who it suits

• Issuer factA 10% BookMyShow discount of up to Rs 100 a booking, 15 times a calendar year, on the primary card. A 1% fuel surcharge waiver on fuel transactions of Rs 500 to Rs 4,000, up to Rs 100 a calendar month, with GST not reversed. Forex markup up to 3.5%; interest up to 3.99% a month (47.88% a year). The card is offered on Mastercard, Visa and RuPay.
• CalculationThe movie discount is worth up to Rs 1,500 a year if used on 15 bookings of Rs 1,000 or more. A Rs 50,000 foreign spend costs up to Rs 2,065 in markup with GST.
• Our analysisIt suits households spending around Rs 5,000 a month at grocery merchants who will put enough other spending on the card to clear Rs 1,50,000 a year. Grocery spend well above Rs 5,000 a month, or groceries bought through merchants coded outside the five grocery codes, earn close to the 0.25% base rate.

CalculationMethod: fees include 18% GST (fee × 1.18). Value = points × Rs 0.25, the maximum RBL states; actual redemption options may pay less. Net = value − fee where charged − Rs 99 + GST per redemption. Rates, caps and fees are RBL’s; spending patterns and redemption frequencies are ours.

Sources for this analysis: after the page-wide source check of 30 September 2026, the rates, caps, fees and conditions used above were re-checked against these issuer documents on 1–2 October 2026 (India time) and again on 25 October 2026: RBL Bank ShopRite Credit Card page · ShopRite Credit Card terms and conditions · RBL Bank credit card Schedule of Charges (V2, Jun 2026).

Pros & Cons

Who Should Get This Card?

• Households with high grocery spends
• People who want a cheap everyday grocery card
• Anyone who wants a low-cost second card for a single category

Frequently Asked Questions

Before You Apply

The accelerated grocery points stop at 1,000 a month, so groceries above Rs 5,000 a month earn the 1 point per Rs 100 base rate, and fuel, utilities, insurance, rent and wallet loads earn nothing and do not count toward the Rs 1.5 lakh fee waiver. The 2,000 welcome points need the first-year fee to be paid, points are valued at up to Rs 0.25, and each redemption day costs Rs 99 + GST. Pay each statement in full: interest on a carried balance can quickly exceed the rewards earned.

• Before you carry a balance, read how credit card interest, the grace period and the minimum due actually work.
• Income, age, credit score and document requirements are the same across most issuers — see credit card eligibility and documents.

Issuer reference: RBL Bank’s official card page, linked below (added 2 September 2026). Issuers revise fees, reward rates and benefits without notice — confirm the current terms on the issuer’s own site before applying. RBL Bank — official card page

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 69 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• American Express SmartEarn Credit Card — Accelerated brand rewards
• SBI SimplySAVE Credit Card — Everyday offline spends
• Flipkart Axis Bank Credit Card — Flipkart & Myntra shopping
• Airtel Axis Bank Credit Card — Airtel & utility bills
• American Express Membership Rewards Credit Card — Rewards accumulation
• Kotak League Platinum Credit Card — Entry-level rewards
• Tata Neu Infinity HDFC Bank Credit Card — Tata ecosystem & UPI
• Amazon Pay ICICI Bank Credit Card — Amazon shoppers & lifetime-free