Groceries & Everyday Spends
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RBL ShopRite Credit Card Review
An accelerated grocery card for households that want value back on the weekly shop.
₹500 + GSTAnnual fee
4.1/5Editorial rating
Visa, Mastercard, RuPayNetwork
At a glance
Quick facts
₹500 + GSTJoining fee
₹500 + GST (waived on ₹1.5 lakh annual spend)Annual fee
Households with regular grocery and supermarket spendsBest for
3.5%Forex mark-up
Cost & earn rate
Fees and reward rates
2,000 bonus reward points on the first eligible transaction made within 30 days of card issuance.
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual fee | ₹500 + GST |
| Annual fee waiver | On ₹1.5 lakh spend in the previous year |
| Cash withdrawal fee | 2.5% of amount, min ₹500 |
| Foreign currency mark-up | 3.5% |
| Reward redemption fee | ₹99 + GST per redemption day |
| Spend category | Reward rate |
|---|---|
| Grocery shopping | 20 reward points per ₹100 (max 1,000 points/month) |
| All other purchases | 1 reward point per ₹100 spent |
Card benefits
What else you get
10% discount (up to ₹100) on BookMyShow tickets, usable up to 15 times a year.
1% fuel surcharge waiver between ₹500 and ₹4,000, capped at ₹100 a month.
RuPay variant supports UPI linking and NCMC transit payments.
Our take
Verdict
What works
- 20X reward rate on groceries is among the highest in RBL's lineup
- Low ₹500 fee with a realistic ₹1.5 lakh waiver threshold
- Frequent BookMyShow discount, usable 15 times a year
What to watch for
- 1,000-point monthly cap limits grocery rewards on large basket sizes
- Base 1X rate elsewhere is unremarkable
- No lounge access or travel benefits
Common questions
FAQs
How many reward points can I earn on groceries each month?
You earn 20 points per ₹100 spent on grocery purchases, capped at a maximum of 1,000 reward points in a calendar month.
What is 1 RBL reward point worth?
Each reward point is redeemable for roughly ₹0.25 through RBL Rewards, which works out to about 5% value back on grocery spends within the monthly cap.
How do I get the annual fee waived?
Spend ₹1.5 lakh or more across the previous membership year and the ₹500 + GST renewal fee is reversed automatically.
Does ShopRite offer fuel rewards?
Fuel-based reward points were discontinued in September 2022; the card now only offers a 1% fuel surcharge waiver, capped at ₹100 a month.
Is there a redemption fee on reward points?
Yes, a flat ₹99 + GST redemption fee applies per redemption request, charged once for all redemptions made on the same day.
Compare more RBL Bank cards
See the full RBL Bank credit card lineup on SearchLocally.in.