RBL BankRBL Bank ShopRite Credit Card

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RBL Bank

RBL Bank ShopRite Credit Card

4.2Best for groceries

Verifying

Joining fee incl. GST: —
Renewal fee incl. GST: ₹590
Conditional welcome value: Up to ₹500
Forex markup: 3.5%
Interest p.a.: 47.88%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Use card within 30 days of issuance and pay annual fee by due date; credited within 60 days

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Initial membership fee is not established in the stored joining-fee field. Merchant-level exclusions and conflicting calendar/billing-cycle wording remain limitations.

Spend category	Reward rate	Reward limit
Groceries 20 Reward Points per ₹100 on grocery (MCC 5411, 5422, 5441, 5451, 5499), capped at 1,000 Reward Points a month; 1 point redeems for up to ₹0.25, which is the 5% value-back RBL advertises. Spend beyond the cap earns the 1 RP per ₹100 base rate. Monthly cap shown as the spend at which it binds: 1,000 RP ÷ 20 RP per ₹100 = ₹5,000 of grocery spend.	5%	₹5,000 spend / monthThen 0.25% on eligible excess
Other eligible purchases	0.25%	—

Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Insurance, Education. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee—

Annual fee₹500

Annual fee waiverSpend ₹1,50,000 of eligible purchases in the membership year. Since 15 October 2024 the qualifying spend excludes Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous and Bills2Pay, plus EMI conversions (Split-N-Pay and POS/web EMI requests), fees, charges and GST

Foreign currency markup3.5%

Finance charge (p.a.)47.88%

Fuel surcharge waiver1%, up to ₹100/mo

Key benefits

5% value-back on grocery spends (20 RP per ₹100, capped at 1,000 RP a month)
10% off up to ₹100 on BookMyShow, 15 times per calendar year
1% fuel surcharge waiver (₹500–₹4,000 transactions, max ₹100 per month)
No reward points on Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers and Miscellaneous; Quasi-Cash, Education, Government Services, Contracted Services, Cash and Bills2Pay were added to that exclusion list on 15 October 2024
₹99 + GST reward redemption fee, charged once per day of redemption
EMI conversion facility
Successor card onto which RBL migrated discontinued Edition/LazyPay cardholders
RuPay offline UPI purchases below ₹2,000 at qualifying small merchants are excluded from rewards and spend benefits.