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). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.
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
| Joining / annual fee | Rs 500 + GST (waived on Rs 1.5 lakh retail spend in a membership year) |
| Grocery reward | 20 RP per Rs 100 (capped 1,000 RP/month) |
| Other spends | 1 RP per Rs 100 |
| Reward point value | Up to Rs 0.25 per point on redemption |
| Fuel surcharge | 1% waiver on transactions of Rs 500–4,000, up to Rs 100/month |
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.
Pros & Cons
Pros
- High grocery rewards for a low fee
- Simple, readable reward structure
- Fuel surcharge waiver at all fuel stations
- Fee waived on Rs 1.5 lakh annual spend
Cons
- Grocery rewards capped at 1,000 RP/month
- Low 1 RP per Rs 100 on other spends
- No lounge or travel perks
- Best value only for grocery-heavy households
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
Ready to apply?
Applications are processed on the issuer’s official, secure website.
Apply for RBL Bank ShopRite Credit Card →Frequently Asked Questions
How much does the ShopRite reward on groceries?
20 reward points per Rs 100 on grocery spends, capped at 1,000 reward points a month, which is strong for an entry-level card.
Is there a grocery cap?
Yes, accelerated grocery rewards are capped at 1,000 reward points per month; spends beyond that earn the base rate.
Does it have lounge access?
No, the ShopRite is a grocery-focused value card without airport lounge access.
How to Get the Most from the RBL Bank ShopRite Credit Card
- Use it where it is strongest — grocery shopping — where it earns 20 RP per Rs 100 on groceries; route other spends to a card that rewards them better.
- Always pay the full statement balance by the due date so interest never eats your rewards.
- Track the fee and its waiver (Rs 500 (waiver on Rs 1.5L spend)) and aim to cross the waiver spend if the card is worth keeping.
- Redeem rewards regularly through the highest-value option so points or cashback never lapse.
- Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.
Eligibility & Documents
Exact criteria depend on RBL Bank and the card variant, but for the RBL Bank ShopRite Credit Card you will usually need:
- Age: generally 18–65 years.
- Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
- Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
- Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.
Existing RBL Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.
How Rewards Work & Redemption
This card earns 20 RP per Rs 100 on groceries. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.
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 70 cards — see how this card stacks up against the rest.
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
Important: Information is for general guidance only, not financial advice, and was verified in June 2026. Card fees, reward rates and benefits change often — confirm the latest terms on the issuer’s official website before applying.