RBL Bank ShopRite Credit Card
RBL Bank · Visa + RuPay · Entry card
A low-fee grocery specialist that can deliver useful value even at modest monthly grocery spend, with a reachable annual-fee waiver.
Budget-focused grocery shoppers who want a low annual fee and can use the RuPay variant for UPI.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 5% |
| Online shopping | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Other miscellaneous | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
BookMyShow · 10% discount · up to ₹100 · 15 uses/year
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Grocery rewards
Usage-based value20 reward points per ₹100 on eligible grocery purchases, capped at 1,000 points per calendar month.
Other eligible rewards
Usage-based value1 reward point per ₹100 on other eligible purchases.
RuPay credit-card UPI support; offline UPI below ₹2,000 at small merchants is not reward-eligible
Shown without a cash value20 reward points per ₹100 on eligible grocery purchases, capped at 1,000 points monthly
Shown without a cash valueOne reward point per ₹100 on other eligible purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
₹1.5 lakh eligible annual spend waives the renewal fee
Shown without a cash value
Welcome benefits · 1 item
2,000 reward points
Recorded value ₹500Welcome points worth up to ₹500.
Conditions: Pay the applicable membership fee · Make the first purchase within 30 days
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹1,50010% discount up to ₹100, 15 times per year.
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹500-₹4,000 transactions, capped at ₹100 per month
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. RBL Bank does not publish a universal numeric income threshold on the reviewed ShopRite product terms.
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 20 reward points per ₹100 on eligible grocery purchases, capped at 1,000 points monthly
- ✓ One reward point per ₹100 on other eligible purchases
- ✓ 10% BookMyShow discount up to ₹100, limited to 15 uses per calendar year
- ✓ ₹1.5 lakh eligible annual spend waives the renewal fee
What to watch
The 5% grocery value assumes redemption at ₹0.25 per point and stops after 1,000 grocery points per month. Many utility, fuel and financial categories earn no points.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Insurance · Rent · Wallet load · Government payments · Railways · Quasi cash · Cash withdrawal · Contracted services
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Reward and fee-waiver exclusions expanded
RBL Bank added multiple regulated and quasi-cash categories to the non-earning and annual-fee-waiver exclusion lists.
- Before
- The earlier, narrower exclusion schedule applied.
- After
- Education, government, quasi-cash, contracted-service and other notified transactions are excluded under the current terms.
Checked 21 Sept 2026RBL ShopRite current product terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 15 Oct 2024