RBL Bank Shoprite Credit Card
RBL Bank · Open to apply
A ₹500 grocery-leaning card on Mastercard, Visa or RuPay: 20 reward points per ₹100 on groceries (up to 1,000 points a month), 1 point per ₹100 elsewhere, 2,000 welcome points, a 10% BookMyShow discount 15 times a year and a ₹100 a month fuel surcharge waiver; the fee is waived at ₹1.5 lakh of spend.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- 1 reward point per ₹100: 1 RBL Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20 reward points per ₹100 on groceries (up to 1,000 points a month): 20 RBL Reward Points per ₹100 (about 5% at cash value)
Earns nothing on
- No reward points on fuel and auto, utilities, insurance, rent and wallet
- No reward points on quasi-cash, education, government services and cash (from 15 Oct 2024)
- No reward points on railways
- No reward points on EMI conversions
- No reward points on offline UPI payments under ₹2,000 at small merchants (RuPay)
Where the sources disagree
- reward credit time: The page says points earned in a month are credited within 45 days of settlement; the T&C says within 60 days. The T&C is used in the notes only; no value depends on it.
Terms the calculator does not value
- RBL states a range for the reward point (₹0.11 to ₹0.25 by redemption category) and assumes ₹0.25 in its own tables; it does not say which category pays what. Both ends are entered as redemption options, so the card's value swings with the choice.
- Reward points are credited within 60 days of settlement per the T&C (the page says 45 days); the time lag is not modelled.
- 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.
Sources
- RBL Bank, Shoprite 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)
- RBL Bank, Shoprite Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)