RBL Shoprite Credit Card Review (2026): Grocery Rewards & Fees
Quick answer The RBL Shoprite Credit Card (also shoprite credit card / rbl bank shoprite credit card) targets grocery spends: 20 reward points per ₹100 at grocery MCCs (~5% value back when points redeem at up to ₹0.25 each), capped at 1,000 points per month (≈ ₹250/month max grocery value). Other eligible spends earn 1 point per ₹100. Fees: ₹500 + GST annual membership (waived at ₹1.5 lakh/year eligible spend). Not lifetime free. Extras: 2,000 welcome points, BookMyShow 10% off (up to ₹100 × 15/year), fuel surcharge waiver up to ₹100/month. No lounge. Best for steady grocery spenders who will redeem on RBL Rewards.
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Searches for rbl shoprite credit card benefits, shoprite credit card benefits, and shoprite rbl credit card usually mean RBL’s grocery-focused card — not the unrelated “Shoprite” supermarket brand overseas. This review covers grocery earn, caps, welcome points, fees, exclusions, RuPay UPI, and how Shoprite compares with RBL’s ShopSmart cashback card.
Verify before you apply: RBL Bank — Shoprite Credit Card · Shoprite T&Cs (PDF) · RBL Rewards redemption
Key benefits
Summary of marketed benefits for RBL Shoprite Credit Card (May 2026 — confirm on issuer MITC before applying):
- 5% cashback on groceries
- 2,000 bonus reward points on first swipe within 30 days
- 1 reward point per ₹100 on other purchases
- Fuel surcharge waiver up to ₹100/month
- Lifetime free — no joining or annual fee
- Exclusive discounts year-round
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | RBL Shoprite Credit Card |
|---|---|
| Annual fee | ₹500 + GST (not lifetime free) |
| Fee waiver | ₹1.5 lakh eligible spends in a membership year (exclusions apply from Oct 2024) |
| Grocery earn | 20 points / ₹100 (~5% value back at ₹0.25/point) |
| Grocery cap | 1,000 points/month (≈ ₹250/month max value) |
| Other retail | 1 point / ₹100 on eligible categories |
| Welcome | 2,000 reward points (use card in 30 days + pay annual fee) |
| Movies | 10% off BookMyShow, max ₹100, 15×/year |
| Fuel | Surcharge waiver ₹500–₹4,000 txn, max ₹100/month; fuel MCCs excluded from point earn |
| Redemption fee | ₹99 + GST per day you redeem (once per day) |
| Networks | Mastercard, Visa, RuPay (UPI/NCMC per RBL) |
| Lounge | Not offered |
View Shoprite card on RBL Bank →
Rbl shoprite credit card benefits
5% value back on groceries
Per RBL Bank:
- 20 reward points per ₹100 on grocery merchant categories (MCCs include 5411, 5422, 5441, 5451, 5499 per RBL).
- Maximum 1,000 reward points per month on grocery — effective cap ≈ ₹5,000/month grocery at full 5% rate (1,000 pts × ₹0.25).
- Each point redeemable for up to ₹0.25 on RBL Rewards — actual catalogue value varies by redemption option.
- Points for a month credit within about 45 days of purchase settlement.
Other spends — 1 reward point per ₹100
Shoprite credit card benefits on non-grocery eligible retail: 1 reward point per ₹100. Many categories earn zero points — see exclusions below.
Welcome benefit — 2,000 points
Rbl bank shoprite credit card welcome (per RBL):
- Use the card within 30 days of issuance.
- Pay the annual membership fee by the payment due date.
- 2,000 reward points credit within about 60 days of card issuance (worth up to ~₹500 at ₹0.25/point).
BookMyShow — 10% off movies
10% discount on movie tickets via BookMyShow (max ₹100 per ticket), up to 15 times per calendar year. Select the RBL Bank 10% offer at checkout. See RBL’s BookMyShow offer PDF for steps.
Fuel surcharge waiver
Waiver on fuel surcharge for transactions between ₹500 and ₹4,000, maximum ₹100 per month, credited on the statement. Fuel & Auto MCCs do not earn reward points per RBL exclusion list — you get the waiver, not accelerated points, on fuel.
RuPay and UPI
Shoprite is available on Mastercard, Visa, and RuPay. RuPay cards support credit on UPI and NCMC per RBL. Offline UPI under ₹2,000 at small merchants (turnover ≤ ₹20 lakh) may not earn rewards or count toward fee waiver — confirm MITC.
Categories that earn zero points
RBL excludes reward earn (and fee-waiver qualifying spend from Oct 2024) on categories including:
- Fuel & Auto, utilities, insurance, railways, rent/real estate, wallets, government, education, quasi-cash, cash, EMI conversions, Bills2Pay, and miscellaneous MCCs listed on the product page.
Grocery MCCs must code correctly — big-basket style online grocery usually works; verify if your merchant codes as grocery vs marketplace.
Fees and charges
| Charge | Shoprite (per RBL) |
|---|---|
| Annual membership | ₹500 + GST |
| Fee waiver | ₹1.5 lakh+ eligible annual spend in membership year |
| Reward redemption fee | ₹99 + GST once per calendar day you redeem |
| Interest / late fees | Per RBL MITC (PDF) |
Rbl shoprite credit card lifetime free? No on the standard published offer — marketing “free” sometimes appears in aggregator copy; RBL’s official page states ₹500 + GST annual fee unless waived at spend threshold.
Shoprite vs RBL Platinum ShopSmart
RBL also sells Platinum ShopSmart with 5% cashback on grocery capped at ₹250/month (cashback as points), ~₹499 fee, and different welcome/lounge perks. Shoprite uses a points multiplier (20 pts/₹100) with the same effective 5% grocery cap at ₹0.25/point but a ₹500 fee and ₹1.5L waiver hurdle vs ShopSmart’s ₹50k second-year reversal on some offers. Compare both on RBL’s site if you want pure monthly cashback simplicity vs Shoprite’s welcome 2,000 points.
How to apply
Rbl shoprite credit card apply online: use the official RBL Shoprite Credit Card page or RBL’s dedicated application landing page. Digital KYC via Aadhaar OTP / video KYC per RBL flow.
Apply on RBL Bank (official) →
Pros and cons
Pros: Strong grocery earn rate; clear monthly cap math; 2,000-point welcome; BookMyShow discount; fuel surcharge waiver; fee waiver at ₹1.5L; RuPay UPI option.
Cons: Not lifetime free; ₹99 redemption fee per redemption day; 45-day point lag; grocery cap bites above ~₹5k/month; many MCC exclusions; no lounge; fee waiver spend excludes fuel, rent, wallets, etc.; must pay annual fee to unlock welcome.
Is the RBL Shoprite credit card worth it?
Rbl shoprite credit card review verdict: worth it if you spend ₹3,000–₹5,000+/month on grocery MCCs and will redeem points regularly. Example: ₹4,000/month grocery → 800 points (under cap) → up to ₹200/month value + BookMyShow savings — roughly ₹2,400/year before welcome points, minus ₹500 fee and redemption fees. Above ₹5,000/month grocery, the 1,000-point cap limits extra benefit. If you need lifetime free, pick another card from our lifetime free hub; for fuel, see IndianOil RBL XTRA.
Who should skip this card
- You carry a balance month to month — interest near 42% p.a. wipes out cashback.
- Your spend is mostly offline or in excluded categories (fuel, rent, wallets, EMI) with little eligible online spend.
- You already hold a stronger cashback card for your top merchants and cannot justify another annual fee even with waiver rules.
Compare next
FAQ
What is the shoprite credit card? RBL Bank’s co-branded grocery rewards card (Shoprite name — not a South African supermarket card).
Rbl shoprite credit card benefits for BigBasket / Blinkit? Works if the merchant bills under grocery MCCs; confirm coding on first purchase.
Shoprite credit card annual fee? ₹500 + GST; waived on ₹1.5 lakh eligible annual spend per RBL (subject to category exclusions).
Rbl shoprite vs shoprite supermarket? Unrelated — this is an RBL Bank credit card product name.
Sources checked
- RBL Bank — Shoprite Credit Card
- RBL Bank — Shoprite T&Cs (PDF)
- RBL Bank — Shoprite value calculator
- RBL Bank — MITC (PDF)
Important: Reward value depends on RBL Rewards redemption rates, not guaranteed cash. Approval is at RBL Bank’s discretion. This content is informational only and is not financial advice. Credit cards are debt products — pay statements in full to avoid interest. Disclaimer · Report an error