RBL Bank ShopRite Credit Card review

RBL Bank · Mastercard · points Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹500
Joining fee: ₹500
Fee waiver: ₹1,50,000 a year
Base return: 0.25% base
Point value: ₹0.25 per point
Domestic lounge: None found
International lounge: None found

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹1,539	0.9%
Metro salaried ₹60k a month	₹4,350	0.6%
Family household ₹80k a month	₹4,650	0.5%
Frequent flyer ₹1.5L a month	₹6,900	0.4%
Online shopper ₹50k a month	₹3,690	0.6%
Rent-heavy ₹90k a month	₹4,320	0.4%

Fee maths: The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,539 (first card, light spender) to ₹6,900 (frequent flyer), equal to 0.4% to 0.9% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹5,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: A grocery-focused card: 20 points per ₹100 on groceries, capped at 1,000 points a month, which at ₹0.25 a point is 5% on the first ₹5,000 of grocery spend (₹250 a month at most). Everything else earns 1 point per ₹100 (0.25%), and fuel, utilities, insurance, rent and wallets are excluded. The ₹500 fee is waived at ₹1.5 lakh a year, and the welcome benefit is 2,000 points on the first eligible spend within 30 days.

From the card's terms: strengths

Capped category-wide rate: about 5% on groceries

From the card's terms: limits

Base return is only about 0.25% on other spends

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Groceries	20	₹5	1000 pts monthly	5%; ~₹5,000 spend/month, then base rate
Everything else	1	₹0.25	No cap found	Base 1 pt/₹100
Fuel, Bills & utilities, Rent	0	₹0	No cap found	Official exclusion list: fuel & auto, utilities, insurance, quasi-cash, real estate/rental, education, wallets, government, contracted services, cash, Bills2Pay, EMI conversion, fees/charges/GST

Point value: Official page: 20 points per ₹100 = '5% value back on groceries', so 1 point = ₹0.25.

Excluded or reduced

Fuel & Auto
Utilities
Insurance
Real estate/rent
Education
Wallets/service providers
Government services
Contracted services
Cash/quasi-cash
Bills2Pay
EMI conversion
Fees, charges and GST
RuPay: offline UPI txns under ₹2,000 at small merchants

Other benefits

Welcome: 2,000 points on first eligible spend within 30 days
10% off BookMyShow up to ₹100, 15 times/year
Fuel surcharge waiver up to ₹100/month
Reward redemption fee ₹99 + GST per day of redemption

Eligibility

We did not find eligibility criteria in the issuer documents we read. unverified

Compare

RBL Bank ShopRite Credit Card vs SimplySAVE SBI Card

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FAQ

What is the annual fee of the RBL Bank ShopRite Credit Card?

₹500 a year, waived at ₹1,50,000 annual spend. Fees exclude 18% GST.

How do RBL Bank ShopRite Credit Card rewards work?

0.25% base, up to 5% on groceries. Official page: 20 points per ₹100 = '5% value back on groceries', so 1 point = ₹0.25.

Does the RBL Bank ShopRite Credit Card give airport lounge access?

We did not find lounge access on this card in the sources we checked.

Who is the RBL Bank ShopRite Credit Card best suited to?

A grocery-focused card: 20 points per ₹100 on groceries, capped at 1,000 points a month, which at ₹0.25 a point is 5% on the first ₹5,000 of grocery spend (₹250 a month at most). Everything else earns 1 point per ₹100 (0.25%), and fuel, utilities, insurance, rent and wallets are excluded. The ₹500 fee is waived at ₹1.5 lakh a year, and the welcome benefit is 2,000 points on the first eligible spend within 30 days. The ₹500 annual fee is waived at ₹1,50,000 a year of eligible spend, about ₹12,500 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,539 (first card, light spender) to ₹6,900 (frequent flyer), equal to 0.4% to 0.9% of spend across the profiles.