MyFinCards
Platinum ShopSmart Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 0.5 Lakhs)

RBL Bank
Cashback
Shopping
Lifestyle
Best For: Grocery shoppers, Movie lovers, Budget-conscious users seeking everyday savings

Platinum ShopSmart Credit Card

Rewards Structure

Base Reward Rate

5% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹250 /monthly

Pros

  • 5% cashback on groceries every month
  • Free 1+1 movie ticket on BookMyShow every month
  • Complimentary domestic airport lounge access
  • Very low annual fee of INR 499
  • Annual fee waiver on spending INR 50,000
  • Welcome gift voucher of INR 500
  • Total annual benefits worth INR 9,400+

Cons

  • Grocery cashback capped at INR 250 per month
  • Lounge access discontinued from July 01, 2025
  • Lounge access requires INR 15,000 spend in preceding quarter to unlock
  • Welcome voucher not given on First Year Free cards
  • Cashback credited as reward points, not direct cash

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback is in the form of reward points, not direct cash credit

Lounge access discontinued W.E.F July 01, 2025

Transactions on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash are not eligible for rewards effective October 15, 2024

Transactions on Education, Insurance, Utilities, Rent Payments and Wallet Load do not earn reward points

Lounge access requires qualifying spend of INR 15,000 in preceding calendar quarter (excluding Rental spends)

Key Benefits & Features

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit from all ATMs in India up to billing date. Processing fee 2.5% applies, minimum INR 500.

Notable Exclusions

No reward points on Fuel & Auto spendsNo reward points on Utility spendsNo reward points on Insurance spendsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Rental spendsNo reward points on Education spendsNo reward points on Wallet loadsNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on Miscellaneous (MCC 5960)No reward points on Bills2Pay transactions (Tran Code 71, Tran Code 72)No reward points on EMI transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Platinum ShopSmart Credit Card

The RBL Bank Platinum ShopSmart Credit Card is designed to complement your everyday spending habits while delivering exceptional value across groceries, entertainment, and travel. Positioned as the power of four cards in one, it offers a rewarding experience tailored for those who seek high savings on daily essentials coupled with best-in-class perks and lifestyle benefits. At the heart of this card is a 5% cashback on all grocery spends, up to INR 250 per month, redeemable as reward points on rblrewards.com. Movie enthusiasts can enjoy a 1+1 BookMyShow offer on movie tickets up to INR 200, available on any one day per month. The card also provides 2 complimentary domestic airport lounge accesses per year, subject to spending INR 15,000 in the preceding calendar quarter. New cardmembers receive a welcome gift voucher worth INR 500 upon paying the joining fee and spending INR 2,000 within 30 days of card issuance. Annual benefits are valued at INR 9,400 and above, making the INR 499 annual fee highly worthwhile. Additional features include unlimited cash withdrawals from ATMs across India up to your billing date, and a second-year annual fee waiver on spending INR 50,000. Issued on the Mastercard network, this card is ideal for grocery shoppers, movie lovers, and budget-conscious individuals seeking meaningful savings from everyday transactions.

Expert Review

Our Verdict

5% grocery cashback + free movies & lounge access at just ₹499/year — great value for everyday shoppers.

Frequently Asked QuestionsAbout Platinum ShopSmart Credit Card

FEESWhat is the annual fee for the Platinum ShopSmart Credit Card?
The Platinum ShopSmart Credit Card has a joining fee of ₹499 and an annual fee of ₹499 (plus applicable GST). However, you can get the second-year annual fee waived if you spend ₹50,000 or more in a year. Note that transactions on Education, Insurance, Utilities, Rent Payments, and Wallet Load categories do not count towards this spend milestone.
REWARDSHow much cashback can I earn on grocery spends with this card?
You can earn 5% cashback on all grocery spends every month, capped at ₹250 per month. Over a full year, this can add up to ₹3,000 in cashback. Please note that the cashback is not credited as direct cash — it is credited in the form of reward points, which can be redeemed on www.rblrewards.com.
USAGEHow do I redeem the cashback earned on the Platinum ShopSmart Credit Card?
Cashback earned on the Platinum ShopSmart Credit Card is credited in the form of reward points, not as direct cash. You can redeem these reward points by visiting www.rblrewards.com. Make sure to log in with your card credentials to view your available points and choose from the available redemption options.
BENEFITSWhat is the BookMyShow movie offer on this card?
Cardmembers get a 1+1 (Buy One Get One) offer on movie tickets on BookMyShow, valid up to ₹200, on any one day of the month. To avail this offer, go to the offers/discounts section on the BookMyShow checkout page, and enter your RBL Bank Platinum ShopSmart Credit Card details and expiry date. Note that this offer cannot be clubbed with any other offer.
BENEFITSDoes the Platinum ShopSmart Credit Card offer airport lounge access?
The card previously offered 2 complimentary domestic airport lounge visits per year (maximum 1 per quarter), subject to spending ₹15,000 or more (excluding rental spends) in the preceding calendar quarter. However, effective July 01, 2025, the lounge access benefit has been discontinued for this card. Cardmembers should note this change when evaluating the card's benefits.
BENEFITSWhat is the welcome benefit offered on the Platinum ShopSmart Credit Card?
New cardmembers receive a welcome gift voucher worth ₹500 upon payment of the annual/joining fee and completing spends of ₹2,000 within 30 days of card issuance. Please note that no welcome rewards will be given to First Year Free (FYF) cards. The voucher is designed to give you an immediate benefit right after you activate your card.
BENEFITSWhat are the total annual benefits I can expect from this card?
The total annual benefits from the Platinum ShopSmart Credit Card are worth ₹9,400+, broken down as follows: ₹500 welcome gift voucher, up to ₹3,000 from 5% grocery cashback (₹250/month), ₹2,400 from BookMyShow 1+1 movie offers, ₹3,000 from 2 complimentary lounge accesses (note: lounge benefit discontinued from July 1, 2025), and ₹500 from the annual fee waiver on spending ₹50,000.
REWARDSWhich spending categories are not eligible for rewards on the Platinum ShopSmart Credit Card?
Effective October 15, 2024, the following transaction categories are not eligible for reward points on the Platinum ShopSmart Credit Card: Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2Pay, EMI, Miscellaneous, and Cash. Additionally, Education, Insurance, Utilities, Rent Payments, and Wallet Load transactions do not count towards the annual fee waiver spend threshold.
USAGECan I withdraw cash using the Platinum ShopSmart Credit Card?
Yes, the Platinum ShopSmart Credit Card offers an 'Easy Cash' feature that allows unlimited cash withdrawal from all ATMs in India up to your available cash limit and up to your billing date. A processing fee of 2.5% is applicable (minimum ₹500). Please refer to the Most Important Terms and Conditions (MITC) for complete details on cash withdrawal limits and charges.
FEESHow can I get the second-year annual fee waived?
You can get the second-year annual fee of ₹499 waived by spending ₹50,000 or more in a year on your Platinum ShopSmart Credit Card. Note that transactions in certain categories — including Education, Insurance, Utilities, Rent Payments, and Wallet Load — do not count towards this spend threshold. Make sure your eligible spends cross the ₹50,000 mark to qualify for the fee reversal.
INTERNATIONALIs the Platinum ShopSmart Credit Card suitable for international transactions?
The Platinum ShopSmart Credit Card is primarily designed for domestic spending, focusing on groceries, movies, and lifestyle benefits within India. The card's forex markup rate is not explicitly specified for this card. If you frequently make international transactions or travel abroad, you may want to consider an RBL Bank card specifically designed for international use. Contact RBL Bank customer care for more details on international usage charges.
OTHERWhat network does the Platinum ShopSmart Credit Card run on?
The Platinum ShopSmart Credit Card operates on the Mastercard network. This ensures wide acceptance at millions of merchant outlets and ATMs across India and internationally. The lounge access program (prior to its discontinuation on July 1, 2025) was also facilitated through the Mastercard network, providing access to domestic airport lounges at major airports across India.
APPLICATIONHow do I apply for the Platinum ShopSmart Credit Card?
You can apply for the Platinum ShopSmart Credit Card through RBL Bank's official website at www.rbl.bank.in. The application process is straightforward — look for the credit card section and select the Platinum ShopSmart Credit Card. You will need to fill in your personal and financial details and submit the required documents. You can also visit the nearest RBL Bank branch for an in-person application.
USAGEHow do I set my PIN for the Platinum ShopSmart Credit Card?
You can set your Platinum ShopSmart Credit Card PIN online through RBL Bank's digital channels. Options include using the RBL Bank website (under Credit Cards > Set Your Credit Card PIN), the RBL MyCard Mobile App, or by visiting an RBL Bank ATM or branch. It is recommended to set your PIN immediately upon receiving your card to start using it securely for purchases and ATM transactions.
OTHERWhat should I do if my Platinum ShopSmart Credit Card is lost or used fraudulently?
If your Platinum ShopSmart Credit Card is lost or you notice any unauthorised transactions, you should immediately report it to RBL Bank. You can do this by visiting the RBL Bank website and navigating to 'Report Loss or Unauthorised Use of Credit Card', or by calling RBL Bank customer care (RBL Cares). Acting quickly helps block the card and prevent further fraudulent transactions. You can also switch off your card temporarily via the RBL MyCard app.

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