RBL Bank Shoprite Credit Card Review
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RBL Bank Shoprite Credit Card Review 2026

5% value back on grocery (20 RP per ₹100), 10% off BookMyShow 15 times a year, fuel surcharge waiver, and 2,000 RP welcome bonus -the best entry-level grocery and entertainment credit card in India at ₹500/year.

3.5
/5
Card24 Score
Grocery Rewards
4.5
Entertainment
4
Fees
4
Last reviewed June 2026 · Card24.ai editorial team
RBL Bank Shoprite
Grocery
20 Reward Points*
BookMyShow
10% discount*
Welcome Benefit
2,000 Reward Points*

Credit Card Verdict- RBL Bank Shoprite

What we like

  • 20 RP per ₹100 on grocery = 5% value back -the highest grocery earn rate on any Indian credit card charging under ₹1,000/year. For a household spending ₹5,000/month on grocery: 1,000 RP/month = ₹250/month = ₹3,000/year, from a card that costs ₹500 (waived at ₹1.5L).
  • BookMyShow 10% discount valid 15 times per year -flexible, not once-monthly. Can use 4–5 discounts in a busy month without losing the remaining ones. Annual value at ₹100 max: ₹1,500. More flexible than typical monthly BOGO cards.
  • 2,000 welcome RP (₹500 value) partially offsets the ₹500 joining fee -effectively making Year 1 net cost near-zero for anyone meeting the three welcome conditions.
  • RuPay variant enables UPI credit card payments via PhonePe, Google Pay, and NCMC for metro and transit. Earns 1 RP/₹100 on UPI spends -unusual for a sub-₹500 card.
  • Annual fee ₹500 waived at ₹1,50,000 spend (₹12,500/month) -achievable for households routing grocery + fuel + general spend through this card.

Watch out for

  • Grocery cap fills at ₹5,000/month. Households spending ₹10,000–₹20,000/month on grocery get 5% only on the first ₹5,000 -the remaining earns only 1X (0.25%). The card's grocery advantage is limited to moderate grocery buyers.
  • Zero RP on utilities since October 1, 2023 -a significant exclusion for families paying electricity, gas, and mobile bills through the card. Combined with the 0.25% base rate, the card's value outside grocery is minimal.
  • ₹99 redemption fee per request -at 1,000 RP (₹250 value), the fee consumes 40% of the redemption value. Always accumulate minimum 3,000 RP (₹750 value) before redeeming so the fee represents only 13%.
  • No lounge access at any spend level. 3.5% forex -do not use internationally. Strictly a domestic lifestyle card.

*20 RP per ₹100 on grocery; cap 1,000 RP/month (fills at ₹5,000/month grocery). 1 RP per ₹100 on all other eligible. Zero RP: fuel, utilities, insurance, railways, rent (w.e.f. October 1, 2023), EMI. 1 RP = ₹0.25. ₹99 + GST redemption fee per request -one fee per day. Redeem at rblrewards.com. Welcome: 2,000 RP on first transaction within 30 days + RBL MyCard app download + annual fee payment (credited within 60 days). BookMyShow: 10% off max ₹100 per booking, 15 times per year. Fuel: 1% waiver on ₹500–₹4,000, max ₹100/month. Annual fee ₹500 waived at ₹1,50,000 preceding-year spend. No lounge. 3.5% forex. T&Cs apply.

Credit Card Achievers- RBL Bank Shoprite

Is RBL Bank Shoprite Credit Card Worth It in 2026?

Yes -specifically for households spending ₹3,000–₹5,000/month on grocery and watching 8–15 movies per year via BookMyShow. The Shoprite's 5% grocery earn is the best at any fee below ₹1,000/year in India, and its 15 annual BookMyShow discounts (flexible timing, not monthly) create up to ₹1,500 in entertainment savings that no comparable entry-level card matches.

The annual value for a consistent user: grocery RP at cap = ₹3,000/year; BookMyShow 15 discounts at ₹100 each = ₹1,500; fuel waiver at ₹100/month = ₹1,200; Year 1 welcome RP = ₹500. Total Year 1 value: ₹6,200. From Year 2: ₹5,700. Annual fee ₹500 waived at ₹1.5L spend (₹12,500/month -crossed naturally by any household routing grocery, fuel, and general spend through the card). Net annual value: strongly positive at zero effective fee.

The limitation: grocery cap at ₹5,000/month and zero RP on utilities since October 2023 mean the card's value is narrowly focused. For grocery orders consistently above ₹5,000/month or for online spend beyond grocery, BOBCARD Cashback (5% on all online, no cap) delivers uncapped returns. Shoprite and Cashback work well together -Shoprite for in-store and moderate grocery; Cashback for all online.

RBL Shoprite is the best entry-level grocery credit card in India -5% value back on grocery, 15 flexible BookMyShow discounts/year, and fuel waiver, at ₹500 annual fee waived at ₹1.5L spend.

RBL Bank Shoprite Credit Card Benefits

How to Get the Most Out of RBL Bank Shoprite Credit Card

The 5% grocery earn (20 RP/₹100) caps at 1,000 RP/month -fills at exactly ₹5,000 in grocery spend. Route ₹5,000/month through Shoprite and use a second card for grocery above that. At cap: ₹250/month = ₹3,000/year in grocery RP at zero effective fee. Track monthly grocery spend in the RBL MyCard app -once ₹5,000 is reached, the 5% advantage is exhausted for that month.

The BookMyShow 10% offer has no monthly restriction -15 total bookings per year used at any pace. Plan around blockbuster seasons: use 4–5 offers in December/January, 4–5 during summer releases, and save the remainder. Track remaining annual bookings on BookMyShow under Credit Card Offers → RBL Bank. At 15 × ₹100: ₹1,500 in annual savings.

2,000 welcome RP (₹500) requires: first use within 30 days + RBL MyCard app download + annual fee payment. Complete all three on Day 1: make a grocery purchase (covers the first use), download and register in the MyCard app, and pay the ₹500 annual fee at the first billing. All three done in Month 1 = 2,000 RP credited within 60 days, offsetting the joining fee.

₹99 redemption fee on 1,000 RP (₹250 value) = 40% fee drag -poor value. On 3,000 RP (₹750 value), the ₹99 fee = 13% -acceptable. At 1,000 grocery RP/month cap, 3,000 RP accumulates in 3 months. Set a reminder quarterly, check rblrewards.com, and redeem for grocery vouchers or flights. Never redeem at 1,000 RP.

The RuPay Shoprite earns 1 RP/₹100 on UPI credit card payments at any UPI QR merchant -including kirana stores and small shops that traditionally only accept UPI. Select RuPay at application (cannot change later), link to Google Pay or PhonePe, and earn base RP on all daily UPI purchases. Also enables NCMC for metro and bus tap payments.

RBL Shoprite Credit Card Annual Fees

Joining Fee ₹500 + GST. Welcome: 2,000 RP (₹500) on meeting three conditions within 60 days.
Annual Renewal Fee ₹500 + GST; waived on ₹1,50,000 preceding-year spend (₹12,500/month).
Grocery Reward Cap 1,000 RP/month on grocery (20 RP/₹100 fills at ₹5,000/month). Annual max grocery value: ₹3,000.
Forex 3.5% on all international transactions -do not use internationally.

RBL Bank Shoprite Credit Card Eligibility & Documents

Age 18 years and above
Minimum annual income No officially published minimum income for RBL Shoprite. Holistic RBL Bank assessment based on income, credit history, and repayment capacity.
Documents required PAN card · Aadhaar card (both sides) · Passport-size photograph · Latest 3 months salary slips or bank statement
Residency Indian resident or NRI

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for RBL Bank Shoprite Credit Card

The application process is entirely online and takes about 5-7 minutes.

1

How to Apply for RBL Bank Shoprite Credit Card - Online at rblbank.com or offline at any RBL Bank branch.

2

Choose Network First Decide- - Mastercard or Visa (broad acceptance) or RuPay (UPI credit card + NCMC). Network cannot be changed post-issuance -choose based on your UPI usage.

3

Fill Application Form- - Visit rblbank.com → Cards → Credit Cards → Shoprite → Apply Now. Enter name, mobile, date of birth, PAN, income, and city.

4

OTP & KYC- - Verify mobile via OTP. Complete video KYC via RBL Bank's digital KYC platform or visit a branch.

5

Card Dispatch + App Download- - Physical card dispatched in 7–10 working days. Download RBL MyCard app immediately -it is required for the welcome benefit.

*T&C Apply

Frequently Asked Questions

RBL Shoprite is an entry-level credit card offering 20 RP per ₹100 on grocery (5% at ₹0.25/RP, capped at 1,000 RP/month), 1 RP per ₹100 on other eligible, 10% BookMyShow discount (15 times/year, ₹100 max), 1% fuel waiver (₹100/month max), and 2,000 welcome RP. Annual fee ₹500 (waived at ₹1.5L). Available on Mastercard, Visa, and RuPay (UPI + NCMC).
20 Reward Points per ₹100 on grocery -effective 5% at ₹0.25/RP. Monthly cap: 1,000 RP (fills at ₹5,000/month grocery). Annual maximum grocery value: ₹3,000. RP credited within 45 days of purchase settlement. Grocery can be in-store or online platforms (BigBasket, Zepto, Blinkit) -whichever is categorised under grocery MCC.
10% discount on BookMyShow movie tickets, maximum ₹100 per booking, valid 15 times per card year total. No monthly restriction -use 5 in one month and 1 in another. Select 'RBL Bank 10% Offer' under Credit Card Offers on BookMyShow after choosing your film. Annual maximum value: ₹1,500.
2,000 welcome RP (₹500) requires all three: (1) First transaction on card within 30 days of issuance; (2) Download and activate RBL MyCard app; (3) Pay the ₹500 annual membership fee by the due date. RP credited within 60 days. All three conditions are required -partial completion does not qualify.
From October 1, 2023: zero RP on utility payments (electricity, water, gas, mobile), insurance premiums, railway bookings, and rent. Always excluded: fuel transactions and EMI conversions. Base 1 RP/₹100 applies on all other eligible retail spend.