RBL Bank Platinum ShopSmart Credit Card
RBL Bank · Open to apply
A ₹499 grocery card: 5% cashback on groceries up to ₹250 a month (credited as reward points), a ₹500 gift voucher on joining, a BookMyShow 1+1 offer, and fee reversal at ₹50,000 of spend. Its lounge visits ended on 1 Jul 2025.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- No stated earn on other spends: 0% in RBL Cashback (credited as reward points) (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% cashback on groceries (up to ₹250 a month): 5% in RBL Cashback (credited as reward points) (about 5% at cash value)
Earns nothing on
- No stated earn on other spends
- No reward points on education, insurance, utilities, rent, wallet
- No reward points on fuel and auto, quasi-cash, real estate, government services, EMI and cash
- No reward points on railways
- No base reward points on EMI conversions
Where the sources disagree
- spend-linked annual fee waiver: The schedule of charges (RBL-CC-SOC-V2-04-06-2026) lists the fee as ₹499 in both years with no waiver, while the MITC fee table (Aug 2026) and the card page give a waiver at ₹50,000 of annual spend. The waiver is entered (MITC and page are the card-specific documents).
Terms the calculator does not value
- Service providers, contracted services and Bills2Pay (RBL's own bill-payment channel) are named as ineligible but match none of our categories alone; they are not modelled except where a category listed in the exclusion rules already covers them.
- Eligibility (age, income) is not on the card page, the MITC or the schedule of charges.
- The cashback is credited as reward points but the page gives no points per rupee; it is entered as ₹ at face value. Other spends earn nothing in this entry because no rate is stated; the page's exclusion note implies some earn exists.
Sources
- RBL Bank, Platinum ShopSmart Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank Rewards terms and conditions (general) (Reward terms, the bank's own, read 6 Nov 2026)