Introduction to the RBL Bank ShopRite Credit Card
What is the RBL ShopRite Credit Card?
The RBL Bank ShopRite Credit Card is designed with the practical spender in mind—someone who values groceries, fuel, and lifestyle expenses more than luxury lounges or travel miles. It brings you everyday savings with a well-structured cashback and rewards system. Whether you’re a student starting out, a young professional handling a household, or someone just looking for a dependable cashback card, the ShopRite card is built to give you maximum value with minimum fuss.
In a world where flashy benefits often come at a high annual fee, this credit card is refreshingly grounded. It focuses on the essentials—fuel, groceries, shopping, and dining—the things most of us spend on regularly.
Who Should Consider This Card?
The ShopRite Credit Card is perfect for:
Frequent grocery shoppers who want 5% cashback.
Budget-conscious users looking for a low-fee credit card.
People who travel locally and spend on fuel.
Movie lovers and those who enjoy dining out occasionally.
Anyone new to credit cards, thanks to its simple features and easy-to-understand rewards.
If your monthly spends mostly go towards essentials, this card has been designed with you in mind.
Key Features of the ShopRite Credit Card
Welcome Benefits
Who doesn’t love a good welcome gift? RBL Bank makes your first step rewarding with 2,000 reward points when you make your first purchase within 30 days of card issuance. These points can be redeemed for a variety of vouchers, gifts, or discounts.
It’s not just about freebies—it’s about getting off to a good start. This instant gratification makes you feel like you’re already winning the moment you start using your card.
Reward Points Structure
The card has a tiered reward system that gives you more points on grocery and fuel spends than on general purchases:
5% value back on groceries at select supermarkets.
10 Reward Points per ₹100 spent on fuel (up to ₹150 every month).
1 Reward Point per ₹100 spent on all other categories.
These points accumulate quickly, especially if you’re using this card for your daily needs, which is its core design.
Annual Fee and Waiver Conditions
The ShopRite Card comes with an annual fee of ₹500, but here’s the kicker—you can easily waive it. Spend ₹1,00,000 in a year, and your annual fee gets reversed for the next year.
For a card that gives you consistent cashback and reward points, this condition is quite achievable for most households.
Exciting Cashback & Rewards
5% Cashback on Groceries
This is where the ShopRite Credit Card shines the most. With 5% cashback at grocery stores, it essentially pays you to shop for essentials. Whether you’re stocking up for the month or making a quick run for mid-week supplies, every trip to the store becomes an opportunity to save.
It encourages smart spending habits. Instead of waiting for sale seasons, you’re saving every single time you swipe your card at a supermarket.
Bonus Points on Fuel Transactions
Fuel costs are unavoidable. But with this card, you can at least make those spends rewarding. You earn 10 Reward Points per ₹100 spent on fuel, with a monthly cap, making it one of the few cards that truly rewards fuel purchases.
Plus, it comes with a fuel surcharge waiver, which further saves you an extra 1%–2% on every refuel.
Special Discounts on Movies and Dining
Dining and movies may not be daily activities, but when you do indulge, the ShopRite card has your back. Enjoy exclusive movie offers on platforms like BookMyShow, and get discounts at partner restaurants across India.
These lifestyle perks are cherry on top for an already value-driven card.
Benefits for Budget-Conscious Users
Low Annual Fee with Waiver Option
One of the best parts about the RBL ShopRite Credit Card is its affordability. With an annual fee of just ₹500 (plus taxes), it’s one of the most cost-effective cards on the market—especially when you consider the benefits and rewards it provides. And here’s where it gets better: if you spend ₹1,00,000 in a year, the annual fee for the following year is completely waived.
So if you’re spending an average of around ₹8,500 per month—which most families do on groceries, fuel, and dining—you’ll qualify for the waiver effortlessly. It’s like getting a reward card without any long-term financial commitment.
EMI Conversion on Big Purchases
Worried about high-ticket purchases like electronics or holiday expenses? The RBL ShopRite Credit Card allows you to convert large spends into EMIs. This makes managing cash flow easier, as you can split your payments across 3, 6, 9, or 12 months, depending on the purchase and merchant partner.
It’s a life-saver for festival shopping, travel bookings, or even emergency medical expenses. Instead of putting pressure on your bank balance, you get the flexibility to pay over time—while still earning rewards.
Interest-Free Credit Period
Like most credit cards, the ShopRite card offers an interest-free period of up to 50 days. This means you can make purchases, pay them off before the due date, and avoid paying any interest. Essentially, it allows you to borrow money for free for a short time—an excellent feature for those who manage their finances smartly.
If you’re consistent with your repayments, this feature alone can help you maintain a great credit score and give you free float money month after month.
RBL ShopRite Credit Card vs Competitors
How It Stacks Up Against Other Cashback Cards
There’s no shortage of cashback cards in India, but not all of them offer true value for money. Let’s compare the ShopRite with a couple of popular options:
| Feature | RBL ShopRite Card | HDFC MoneyBack | SBI SimplySAVE |
|---|---|---|---|
| Annual Fee | ₹500 (Waivable) | ₹500 (Waivable) | ₹499 |
| Grocery Cashback | 5% | 2x Points | 10x Points |
| Fuel Rewards | 10 RP/₹100 | Nil | 1% Waiver |
| Movie & Dining Offers | Yes | Limited | Yes |
| EMI Facility | Yes | Yes | Yes |
As shown, the RBL ShopRite Credit Card offers a stronger reward system for grocery and fuel spends—two of the most common expense categories. If your goal is to save money on essentials, it clearly outperforms its peers.
Unique Value Propositions of ShopRite
Best-in-class grocery rewards for everyday needs
High-value reward point conversion into vouchers, cashbacks, or gifts
All-around utility with lifestyle and fuel perks
A very simple and transparent fee structure
In short, it hits all the right notes without requiring you to be a high spender or a financial expert.
Application Process Made Easy
Eligibility Criteria
Before applying for the ShopRite card, make sure you meet the basic eligibility criteria:
Age: Minimum 21 years (salaried) or 25 years (self-employed)
Income: Steady monthly income (preferably ₹20,000+)
Credit Score: 700 or above preferred
Residency: Indian citizen or resident
These are not overly restrictive, making the card accessible to most working professionals and households.
Documents Required
You don’t need to drown in paperwork to get this card. A few simple documents are enough:
Identity Proof: Aadhar Card, PAN Card
Address Proof: Utility bill, passport, or Aadhar Card
Income Proof: Salary slips (last 3 months) or ITR for self-employed applicants
Photograph: Passport-sized
Keep digital copies of these documents ready to speed up the process.
How to Apply Online
Applying is straightforward and can be done from the comfort of your home:
Visit the RBL Bank website or ShopRite card product page.
Click on the ‘Apply Now’ button.
Fill out your personal and financial details in the form.
Upload your KYC documents.
Choose your verification method (physical or eKYC).
Submit and wait for approval.
Once verified, your digital card is issued within a few hours, and the physical card reaches you in 7–10 business days.
Fees and Charges You Should Know
Breakdown of All Applicable Charges
Even though it’s a budget-friendly card, it’s good to be aware of potential charges:
| Type of Fee | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Renewal Fee | ₹500 + GST |
| Late Payment Charges | ₹100 – ₹1,300 |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Overlimit Fee | ₹600 |
| Foreign Markup Fee | 3.5% |
How to Avoid These Charges
Avoiding extra fees is all about smart usage:
Always pay your bills on time to skip late fees.
Don’t exceed your credit limit.
Avoid withdrawing cash unless it’s an emergency.
Pay in full during your interest-free period.
Being disciplined helps you enjoy all the perks of this card without paying a rupee more than you have to.
Safety, Security, and Support
Advanced Fraud Protection Features
RBL Bank uses the latest tech to keep your transactions secure:
EMV chip protection for physical card fraud
OTP authentication for online payments
SMS alerts for all transactions
24×7 fraud monitoring systems
These layers of security ensure that even if your card is compromised, you’re not left unprotected.
Customer Service and Mobile App Experience
The RBL MyCard App allows you to:
Track expenses
Convert spends to EMI
Block/unblock card instantly
Pay bills directly
And if you need to talk to someone, RBL’s customer service team is available 24×7 via phone, email, and chat support.
Tips to Maximize ShopRite Credit Card Benefits
Use It at Partnered Stores
One of the smartest ways to get the most out of your RBL ShopRite Credit Card is by swiping it at partnered supermarkets and stores. The 5% cashback on grocery purchases is generally valid at select outlets like Big Bazaar, Reliance Fresh, More, and other major chains. If you’re already shopping there, why not earn while doing it?
Make a habit of using your ShopRite card for every grocery trip. Over time, these little savings add up to a significant amount—especially if you manage a household or do monthly bulk shopping.
You can also check RBL Bank’s mobile app or emails for updated lists of merchant partners and exclusive discounts, which change from time to time.
Pay Bills on Time to Avoid Charges
No matter how many rewards you earn, late payments will eat them up with interest and penalties. Set reminders or automate payments using the app or your bank’s autopay feature.
By paying the full bill before the due date every month:
You avoid interest charges (up to 3.99% per month!)
Maintain a good credit score
Keep your credit limit free for emergencies or planned purchases
This one habit can double the value of using any credit card.
Combine with Other Offers for Maximum Savings
Many people overlook this, but stacking your ShopRite card with cashback apps, brand offers, or festival sales can supercharge your savings. For example:
Use it on Amazon during their Great Indian Sale, and redeem points later for Amazon vouchers.
Pay your utility bills via PayZapp or PhonePe using the card when there’s an ongoing cashback offer.
Combine movie ticket discounts with BookMyShow or Zomato Gold for a dinner-and-movie combo under ₹500.
The idea is to be intentional about spending—use the right platform, time your purchase, and swipe your ShopRite card to earn on top of all other benefits.
Conclusion
The RBL Bank ShopRite Credit Card proves that you don’t need to splurge on travel or luxury to get real value from a credit card. Designed with the everyday spender in mind, it offers generous rewards on groceries, fuel, and lifestyle purchases, which are staples in almost every household budget.
With features like 5% grocery cashback, reward points on fuel, and dining and movie discounts, it hits all the right notes for someone looking to save without sacrificing convenience. Add to that the affordable annual fee (which can even be waived), and you’re looking at a credit card that pays you back—literally.
Whether you’re just starting out with credit, building your financial foundation, or simply looking to optimize everyday expenses, the ShopRite Credit Card offers solid value in a world full of overhyped plastic. It’s simple, rewarding, and perfectly tailored for smart shoppers who want more from their monthly spends.
FAQs
1. Is the RBL ShopRite Credit Card good for beginners?
Yes, it’s one of the best cards for new users. With low fees, easy-to-understand rewards, and essential benefits, it’s perfect for people starting their credit journey.
2. How do I get the annual fee waived?
Simply spend ₹1,00,000 or more in a year. That’s just ₹8,334 per month—very achievable for most families or salaried professionals.
3. Are the grocery cashback and fuel rewards capped?
Yes. There is a monthly cap on fuel rewards and cashback at select supermarkets. These caps vary, so check the latest terms on the RBL Bank website or app.
4. Can I use this card for international purchases?
Yes, but it carries a foreign currency markup fee of 3.5%. It’s better to use a travel-specific credit card for frequent international spending.
5. How can I redeem my reward points?
You can redeem points for vouchers, gifts, and sometimes even for statement credits via the RBL Rewards portal or mobile app.
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