6RRBL BankShopRite₹500/yr · IN

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Points & Rewards · India

RBL Bank ShopRite Credit Card

3.8 / 5 editorial score

Best for: households that want 5% value back on groceries from a low-fee card with a reachable waiver.

#6 of 7 · Points & Rewards · India #33 of 34 · All India cards

Annual fee₹500/yr

IssuerRBL Bank

NetworkMastercard, Visa or RuPay

Welcome offer2,000 Reward Points on meeting the issuer's conditions

Interest rateUp to 3.99% a month (47.88% a year…

Foreign fee3.5% markup

Who qualifiesSee issuer

Why it ranks

Low fee with a reachable waiver
Solid grocery rate for small households
Movie discount adds occasional value

What holds it back

The grocery cap limits the 5% rate to ₹5,000 of spend a month
₹99 + GST fee each time you redeem points
Low 1 point per ₹100 on other spends

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Our verdict

Why the RBL Bank ShopRite Credit Card ranks where it does

The RBL ShopRite card is a narrow grocery card for small households. It earns 20 Reward Points per ₹100 on groceries, worth 5% at ₹0.25 a point, up to 1,000 points a month, and 1 point per ₹100 elsewhere, about 0.25%. The cap means the 5% rate covers ₹5,000 of grocery spend a month and stops there.

The fee is ₹500 plus GST, waived on ₹1.5 lakh of annual spend, and 2,000 welcome points are available on meeting RBL's conditions. Two smaller benefits add occasional value: 10% off BookMyShow movie tickets up to ₹100, fifteen times a year, and a 1% fuel surcharge waiver up to ₹100 a month.

The detail that changes the maths is the redemption fee. RBL charges ₹99 plus GST every time you redeem points, so redeeming a single month's maximum grocery reward of ₹250 would lose about 40% of it. Saving points and redeeming once or twice a year keeps the loss small. The card has no lounge benefit, and foreign currency spends cost a 3.5% markup. For a household spending about ₹5,000 a month on groceries that can reach ₹1.5 lakh a year on the card, it is a reasonable low-cost choice; bigger households outgrow it quickly.

Good fit if

Small households spending about ₹5,000 a month on groceries
People who can reach ₹1.5 lakh a year and waive the fee
Occasional moviegoers who book on BookMyShow

Skip it if

Large households whose grocery bills run well past ₹5,000 a month
Anyone who wants to redeem points often, given the ₹99 fee each time

Worked example

Assume ₹5,000 a month on groceries and ₹8,000 on other spends. Groceries earn 5,000 × 20 ÷ 100 = 1,000 points, exactly the cap, and other spends 80 points, so 1,080 a month and 12,960 a year. At RBL's ₹0.25 a point that is ₹3,240. Redeeming twice a year costs 2 × ₹99 plus GST, leaving about ₹3,040 before GST. Annual spend of ₹1.56 lakh waives the ₹500 fee. Grocery spend above ₹5,000 a month would add no further grocery points.

How it stacks up

The SBI SimplySAVE rewards groceries along with dining, movies and department stores for a similar fee, which suits households whose spending is less grocery-heavy. The AU LIT lets you buy 5% grocery cashback for ₹299 per 90 days on a lifetime free card, with no redemption fee but a feature to renew each quarter. ShopRite remains the simplest of the three for a grocery-first budget.

The RBL Bank ShopRite Credit Card gives 5% value back on groceries, capped at 1,000 points a month, and 1 point per ₹100 elsewhere. The ₹500 fee is waived on ₹1.5 lakh annual spend, and each redemption costs ₹99 plus GST.