RBL Bank ShopRite Credit Card

Overview

The RBL Bank ShopRite Credit Card is a low-fee card built around one simple idea: reward you for grocery shopping. For a ₹500 + GST joining fee, and the same on renewal, it hands out 20 reward points for every ₹100 you spend at grocery stores, which works out to roughly 5% value back. It is aimed at value-focused households that want steady, no-fuss savings on everyday essentials rather than travel perks or premium lifestyle benefits. The card is issued across Visa, Mastercard and RuPay networks.

Rewards and earning

Groceries are where this card earns its keep. You get 20 reward points per ₹100 spent on grocery purchases, capped at 1,000 reward points a month. In practice that means the accelerated rate applies to about ₹5,000 of grocery spend each month, after which grocery purchases fall back to the base rate. Everything else earns 1 reward point per ₹100, which is on the lower side. New cardholders also get 2,000 welcome reward points, credited within 60 days, provided the card is used within the first 30 days and the joining fee is paid on time. On top of that, there is a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹100 a month.

Fees

The joining fee is ₹500 plus GST, and the annual fee is the same ₹500 plus GST from the second year. The renewal fee is waived if you spend ₹1.5 lakh or more in the membership year, which is about ₹12,500 a month, a bar a regular household can clear. That keeps the effective running cost close to zero for anyone using it as their main grocery card.

Eligibility

The card is open to resident Indians aged 18 and above, whether salaried or self-employed, with a stable and regular income. As with most cards, approval depends on your income profile and credit history, and you will need standard KYC documents such as PAN, address proof and income proof.

Who it is for

This card suits value-focused shoppers who spend a meaningful part of their monthly budget on groceries and want an easy, low-cost way to save. If your grocery bill is in the ₹4,000 to ₹5,000 a month range, you will extract close to the full accelerated benefit. It is less suited to big spenders, since the monthly cap limits the upside, or to people chasing lounge access, travel rewards or high base earn rates.

Verdict

The RBL Bank ShopRite Credit Card does one thing well and keeps its costs low while doing it. The value back on groceries is genuinely attractive at this fee level, and the ₹1.5 lakh spend waiver is realistic for a regular user. The trade-offs are the 1,000 point monthly cap and a thin 1% base rate on non-grocery spends. Treat it as a dedicated grocery card, pair it with a stronger everyday card for other categories, and it earns its place in a value-minded wallet for 2026.