Shoprite Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 1.5 Lakhs)

Shopping
Rewards
Lifestyle
Best For: Regular grocery shoppers, Movie enthusiasts, Budget-conscious cardholders seeking low annual fee

Shoprite Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

  • Low annual fee of ₹500
  • High reward rate (20x) on grocery purchases
  • Movie ticket discount at BookMyShow up to 15 times a year
  • Fuel surcharge waiver
  • Annual fee waiver on ₹1.5L spend
  • Available on Mastercard, VISA, and RuPay networks
  • RuPay variant supports NCMC and UPI Credit Card features

Cons

  • Grocery reward points capped at 1,000 per month
  • Reward redemption fee of ₹99 per day
  • Low base earn rate of 1 point per ₹100 on non-grocery spends
  • Multiple merchant category exclusions for rewards and fee waiver

Hidden Catches (Transparency Policy)

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

Monthly cap of 1,000 reward points on grocery spend

Fuel, utilities, insurance, railways, wallet/service providers, real estate/rental, quasi-cash, education, government services, contracted services, cash & Bills2Pay do not earn reward points

Offline UPI transactions under ₹2,000 at small merchants on RuPay not eligible for rewards

Annual fee waiver excludes many merchant categories including fuel, utilities, insurance, education, etc.

Welcome benefit credited within 60 days of card issuance

Key Benefits & Features

Welcome benefit of 2,000 reward points on card usage within 30 days and annual fee payment

Notable Exclusions

No reward points on Fuel & AutoNo reward points on UtilitiesNo reward points on InsuranceNo reward points on RailwaysNo reward points on Real Estate/RentalNo reward points on Wallet/Service ProvidersNo reward points on MiscellaneousNo reward points on CashNo reward points on Quasi-Cash (effective October 15, 2024)No reward points on Education (effective October 15, 2024)No reward points on Government Services (effective October 15, 2024)No reward points on Contracted Services (effective October 15, 2024)No reward points on Bills2Pay transactionsOffline UPI transactions under ₹2,000 at small merchants on RuPay Credit Card not eligible for rewards or any product benefits

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

About Shoprite Credit Card

The RBL Bank Shoprite Credit Card is designed as an everyday companion for shoppers seeking meaningful value from their regular spending. With an annual membership fee of just INR 500, the card delivers strong rewards especially for grocery purchases, making it an ideal choice for budget-conscious individuals who want to maximize returns on their daily essentials. New cardholders are welcomed with 2,000 reward points upon card activation and payment of the membership fee. On grocery shopping, cardholders earn an impressive 20 reward points for every INR 100 spent, translating to approximately 5% value back, with up to 1,000 reward points credited monthly. All other eligible purchases earn 1 reward point per INR 100 spent. Points can be redeemed at rblrewards.com, where each point holds a value of up to INR 0.25. Beyond groceries, the card offers a 10% discount on movie tickets through BookMyShow, valid up to INR 100 per transaction and available 15 times annually. Cardholders also benefit from a fuel surcharge waiver at all fuel stations on transactions between INR 500 and INR 4,000, capped at INR 100 per month. An annual fee waiver is available for cardmembers who spend INR 1.5 lakhs or more in a membership year. The card is available on Mastercard, Visa, and RuPay networks.

Expert Review

Our Verdict

Everyday companion with 5% value back on groceries, movie discounts & fuel waiver at just ₹500/year.

Frequently Asked QuestionsAbout Shoprite Credit Card

FEESWhat is the annual fee for the Shoprite Credit Card?
The Shoprite Credit Card comes with an annual membership fee of ₹500 + GST. This fee can be waived if you make eligible purchases worth ₹1.5 lakhs or more in a membership year. Note that certain merchant categories such as Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions are excluded from the spend calculation for the annual fee waiver.
BENEFITSWhat welcome benefit do I get with the Shoprite Credit Card?
New Shoprite Credit Card holders receive 2,000 reward points as a welcome benefit. To avail this, you need to complete two steps: swipe and use your card within 30 days of card issuance, and pay the annual membership fee by the payment due date. The welcome benefit will be credited to your account within 60 days from the date of card issuance. You can redeem these points at www.rblrewards.com.
REWARDSHow many reward points do I earn on grocery purchases?
With the Shoprite Credit Card, you earn 20 reward points for every ₹100 spent on grocery shopping, which translates to a 5% value back on groceries (each reward point is redeemable for up to ₹0.25). However, please note that grocery reward points are capped at a maximum of 1,000 reward points per month. Reward points earned in a given month are credited to your account within 45 days from the purchase settlement date.
REWARDSWhat reward points do I earn on non-grocery purchases?
On all other eligible purchases (non-grocery), you earn 1 reward point for every ₹100 spent. However, certain merchant categories are excluded from earning reward points, including Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers, and Miscellaneous. Additionally, effective October 15, 2024, purchases made on Quasi-Cash, Education, Government Services, Contracted Services, Cash, and Bills2Pay categories also do not earn reward points.
FEESIs there a fee for redeeming reward points on the Shoprite Credit Card?
Yes, a reward redemption fee of ₹99 + GST is applicable when you redeem your available reward points. This fee is levied one time for all redemptions made within a single day, regardless of how many redemptions you make on that day. You can redeem your reward points by visiting www.rblrewards.com. Each reward point is redeemable for up to ₹0.25.
BENEFITSWhat movie ticket discount does the Shoprite Credit Card offer?
The Shoprite Credit Card offers a 10% discount on movie tickets (up to ₹100 per transaction) on BookMyShow, available up to 15 times in a calendar year. To avail the offer, select the 'RBL Bank 10% offer' under Credit Card offers and discounts on BookMyShow after making your movie selection. This benefit provides significant savings for regular moviegoers, with a potential total discount of up to ₹1,500 annually.
BENEFITSDoes the Shoprite Credit Card offer a fuel surcharge waiver?
Yes, the Shoprite Credit Card provides a fuel surcharge waiver at all fuel stations across India. The waiver is valid for fuel purchases ranging from ₹500 to ₹4,000 per transaction. The maximum monthly waiver is capped at ₹100. The benefit will be reflected in your monthly credit card statement. This helps reduce the additional surcharge costs typically incurred on fuel transactions.
BENEFITSOn which card networks is the Shoprite Credit Card available?
The Shoprite Credit Card is available on three networks: Mastercard, VISA, and RuPay. For cards issued on the RuPay network, you can enjoy additional features such as National Common Mobility Card (NCMC) and RuPay Credit Card on Unified Payment Interface (UPI). Note that for RuPay credit cards, offline UPI transactions under ₹2,000 done at small merchants (with turnover of not more than ₹20 lakh in the previous financial year) will not be eligible for reward points or other product benefits.
USAGEHow can I redeem my reward points earned on the Shoprite Credit Card?
You can redeem your Shoprite Credit Card reward points by visiting www.rblrewards.com. Each reward point is redeemable for up to ₹0.25 in value. A redemption fee of ₹99 + GST is charged once per day, regardless of the number of redemptions made. Reward points earned in a given month are credited to your account within 45 days from the purchase settlement date. For detailed terms and conditions, refer to www.rblrewards.com/tnc.
FEESHow can I waive the annual fee on my Shoprite Credit Card?
You can avail an annual fee waiver by making eligible purchases worth ₹1.5 lakhs or more in a membership year. However, effective October 15, 2024, spends on several excluded categories will not count towards this threshold. These exclusions include Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions of retail transactions. Plan your spending in eligible categories to meet the waiver threshold.
FEESWhat is the joining fee for the Shoprite Credit Card?
The Shoprite Credit Card has a joining fee of ₹500 + GST. This is a one-time fee charged at the time of card issuance. The card also carries an annual renewal fee of ₹500 + GST, which can be waived if you spend ₹1.5 lakhs or more on eligible purchases in a membership year. Given the low fee structure and the welcome benefit of 2,000 reward points (worth up to ₹500), the card offers good initial value.
INTERNATIONALCan I use the Shoprite Credit Card for international transactions?
The Shoprite Credit Card is primarily designed for domestic use, and specific forex markup details are not prominently highlighted for this card. It is available on Mastercard and VISA networks, which are internationally accepted. However, if you are planning to use it for international transactions, it is advisable to check the applicable foreign currency markup charges and other international usage fees with RBL Bank directly before travelling abroad, as these charges can significantly impact the cost of overseas spending.
DOCUMENTSWhat documents are required to apply for the Shoprite Credit Card?
While the page does not explicitly list required documents, standard documents typically required for an RBL Bank credit card application include: a completed application form, identity proof (Aadhaar, PAN card, passport), address proof (utility bill, Aadhaar, or passport), income proof (recent salary slips, Form 16, or IT returns for self-employed), and a recent passport-sized photograph. It is recommended to visit the RBL Bank website or contact customer care to confirm the exact documentation requirements specific to the Shoprite Credit Card.
APPLICATIONHow do I apply for the Shoprite Credit Card?
You can apply for the Shoprite Credit Card by clicking the 'Apply Now' button on the RBL Bank Shoprite Credit Card page on their official website. The application process is online and straightforward. You will need to provide personal, financial, and KYC details during the application. Alternatively, you can visit the nearest RBL Bank branch to apply in person. Ensure you have all required documents handy, including identity proof, address proof, and income documents, before starting your application.
CANCELLATIONHow do I cancel or close my Shoprite Credit Card?
To cancel or close your Shoprite Credit Card, you can contact RBL Bank's customer care by calling their helpline or raising a service request through the RBL MyCard App or Internet Banking portal. Before cancellation, ensure all outstanding dues are cleared and any pending reward points are redeemed, as unused points may lapse upon closure. It is also advisable to check if there are any ongoing EMIs or recurring payments linked to the card before initiating the cancellation process.

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