Platinum ShopSmart Credit Card

Joining Fee

₹499

Annual Fee

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

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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