RBL ShopRite Credit Card Review
Grocery card
The RBL ShopRite has a ₹500 annual fee + GST, waived on ₹1,50,000 annual spend. It earns 0.25% back on regular spends and up to 5% on Grocery. Best for: grocery shoppers maximising a small monthly cap on a near-free card — our verdict: recommended.
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The RBL ShopRite delivers a standout 20X (about 5%) grocery rate, capped at 1,000 points/month, on a near-free Rs. 500-fee card with a BookMyShow perk. The tiny 0.25% base rate and long exclusion list make it a focused supplementary grocery card rather than an all-rounder.
Grocery card
The Bottom Line
The RBL ShopRite is built for grocery shopper and budget cardholder. With a ₹500 annual fee that is waived on ₹1,50,000 yearly spend, it offers 5% rewards on grocery and 2,000 bonus points. It makes the most sense if your spending matches grocery shopper and budget cardholder.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Grocery shopper, Budget cardholder. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone spending around Rs. 5,000 a month on groceries who fully captures the 1,000-point cap for about 5% back, while easily waiving the Rs. 500 fee.
A user wanting a near-free grocery card with a useful BookMyShow movie discount.
Probably not for
SkipAnyone whose spend exceeds the small grocery cap or skews to other categories earns only about 0.25% back outside groceries.
With no lounge access and a 3.5% forex markup, the card offers nothing for travel or foreign spend.
Is It Worth It For You?
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Reward Rates
RBL ShopRite offers 0.25% basic reward rate.
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Welcome Offer
2,000 reward points on making an eligible retail transaction within 30 days of card issuance and paying the annual membership fee (reflected in the first statement) by the payment due date. Credited within 60 days of card issuance.
Milestone Benefits
Annual membership fee of INR 500 for the subsequent membership year is waived on eligible retail spends of INR 1,50,000 or more in the membership year (excludes Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI conversions, fees, charges and GST w.e.f. Oct 15, 2024).
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Age 18-65, Indian resident; salaried or self-employed; min ~Rs 3L annual income/ITR; 20 RP per Rs 100 on groceries; on Mastercard/Visa/RuPay.
Exclusions & Terms
Cash / Cash Advance
- Does not earn reward points (MCCs 6011, 6010).
Bills2Pay
- Does not earn reward points.
EMI Conversion (Split-N-Pay / POS/Web/App EMI)
- Reward points are not accrued on EMI conversion of retail transactions.
Forex markup
- Foreign currency markup
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹500 annual fee. Apply on the RBL Bank website.
Apply on RBL Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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