RBL Bank
RBL Bank ShopRite Credit Card
20 reward points per ₹100 on grocery (capped at 1,000 points a month; RBL Bank calls this 5% value back) and 1 point per ₹100 on other eligible spends; no points on fuel, utilities or rent.
- ₹500 joining, ₹500 a year
- Works on UPI (RuPay)
- Mastercard / Visa / RuPay
Pros and cons
Good
- 5% on groceries, well above the 2% the best free card pays
- Fee pays for itself from about ₹1,400 a month of groceries
- Annual fee waived at ₹1,50,000 of spend a year
Watch out for
- Tight cap: rewards on groceries stop after about ₹5,000 of spend a month
- Earns nothing on fuel, utility bills, insurance, rent, wallet loads and government payments
- Low base rate: 0.25% on everyday spends
- High forex markup (3.5%)
- Who it's for
- People who spend about ₹1,400 or more a month on groceries.
- Skip it if
- You spend under ₹1,400 a month on groceries.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.25% (base rate)
- Online shopping
- 0.25%
- Fuel
- 0%
- Groceries
- 5%
- Bills and utilities
- 0%
- Dining and food delivery
- 0.25%
Fees and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- Annual fee of ₹500 waived if eligible spends reach ₹1.5 lakh in the membership year (excludes fuel, utilities, insurance, railways, rent, education, etc.). The ₹500 is also charged in the first year (welcome points need it paid).
- Forex markup
- 3.5%
- Fuel surcharge waiver
- Waiver on fuel purchases between ₹500 and ₹4,000, up to ₹100 per calendar month
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Mastercard, Visa, RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Not published by the bank
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the RBL Bank ShopRite Credit Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by RBL Bank.
Related guides
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- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Is the RBL Bank ShopRite Credit Card worth it in 2026?
Yes, if you spend about ₹1,400 or more a month on groceries. Below that, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) pays 2% for free. The catch: tight cap: rewards on groceries stop after about ₹5,000 of spend a month.
Is the RBL Bank ShopRite Credit Card lifetime free?
No. It costs ₹500 to join and ₹500 a year, plus GST. Annual fee of ₹500 waived if eligible spends reach ₹1.5 lakh in the membership year (excludes fuel, utilities, insurance, railways, rent, education, etc.). The ₹500 is also charged in the first year (welcome points need it paid).
Does the RBL Bank ShopRite Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments.
Does the RBL Bank ShopRite Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the RBL Bank ShopRite Credit Card?
Also no points on quasi-cash, contracted services, direct marketing (MCC 5960) and Bills2Pay. The fuel exclusion covers RBL's Fuel & Auto merchant group (MCCs 0032, 2541, 4001, 5541, 5542, 5172). Grocery means MCCs 5411, 5422, 5441, 5451 and 5499. The 1 point per ₹100 on other spends has no published cap.
Is there a limit on rewards with the RBL Bank ShopRite Credit Card?
20 points per ₹100 on grocery, capped at 1,000 points a month, which RBL defines as one billing cycle (up to ₹250 at ₹0.25 a point). Above the cap, grocery earns 1 point per ₹100.
Who can get the RBL Bank ShopRite Credit Card?
Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read RBL Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on RBL Bank's official page. Fees and rewards change; check the issuer's terms before you apply.