RBL Shoprite Credit Card Review: 5% on Groceries, Capped at ₹250 a Month
The RBL Bank Shoprite Credit Card charges a ₹500 annual fee plus GST from the first year, waived for the next year once eligible spends reach ₹1.5 lakh. It earns 20 reward points per ₹100 on groceries, worth up to 5%, but only on the first ₹5,000 of groceries in a calendar month, and 1 point per ₹100 on most other spends.
Key facts
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST. Annual fee for the next membership year waived on eligible purchases of INR 1.5 lakh or more in a membership year
- Base reward
- 1 reward point per INR 100 on other eligible purchases (about 0.25% value)
- Best category
- Grocery: about 5% value
- Lounge
- Domestic: None listed International: None listed
- Forex markup
- 3.5% of the amount
- Network
- Mastercard, Visa
Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.
In short
A cheap grocery card that does one job well up to ₹5,000 of groceries a month and very little beyond it.
Best for
- Families spending around ₹5,000 a month at grocery stores
- First-time card users who want a low ₹500 fee
- People who want a second card used only for groceries
Skip it if
- Your groceries run well above ₹5,000 a month, past the 1,000-point cap
- You want lounges, travel cover or a forex mark-up below 3.5%
- You need a card for UPI payments
Highlights
- Annual fee ₹500 plus GST from the first year, waived on ₹1.5 lakh of eligible spends
- 20 reward points per ₹100 on groceries, worth up to 5%
- Grocery points capped at 1,000 a calendar month, worth up to ₹250
- 2,000 welcome points, worth up to ₹500
- Interest of up to 3.99% a month (47.88% a year)
RBL Shoprite: a grocery card first and last
Shoprite is RBL Bank's entry card for kitchen spending. It pays 20 reward points per ₹100 at grocery stores, which RBL values at up to ₹0.25 each, so up to 5%, and 1 point per ₹100 on most of other things. The fee is a modest ₹500 plus GST, and the card suits beginners as well as grocery shoppers.
The catch sit in one number. Grocery points are capped at 1,000 a calendar month, which is filled by ₹5,000 of groceries (1,000 divided by 20, times ₹100), so the card's best reward is at most ₹250 a month (1,000 x ₹0.25).
Things to know before applying
- A fee from year one, called annual. RBL's MITC shows the joining fee as nil, but RBL charges the ₹500 annual fee from the first year, so in practice you pays it either way.
- A weak base rate. 1 point per ₹100 is 0.25%, and fuel, utilities, rent, wallets, insurance and several more categories earns nothing.
- Networks. RBL's network guide lists Shoprite on Mastercard and Visa, so don't plan on using it for UPI payments.
Status and changes from 2024 to 2026
The card is active and RBL takes applications online. Three dates matters:
- 15 October 2024: quasi-cash, education, government services, contracted services, cash and Bills2Pay stopped earning points, and spends excluded from points stopped counting toward the fee waiver.
- 17 October 2025: the late fee became 12.5% of the total outstanding, minimum ₹5, maximum ₹1,300.
- 7 January 2026: RBL's 1% fee on FASTag and toll payments above ₹10,000 began.
RBL is a big issuer, with 47,16,637 credit cards outstanding in September 2026 by the RBI's count.
Shoprite fees and charges
The first-year cost is ₹590: the ₹500 annual fee plus ₹90 of GST at 18%. After that the same ₹500 comes each membership year, unless your eligible purchases in the previous membership year reached ₹1,50,000, in which case the next year's fee is waived. An add-on card costs ₹200 plus GST, ₹236.
Will the waiver happen for you?
₹1,50,000 a year is ₹12,500 a month (₹1,50,000 divided by 12). As your main card, that's reachable easily. As a grocery-only card at ₹5,000 a month you reach only ₹60,000 a year (₹5,000 x 12) and pay the ₹590 each year, though the up to ₹3,000 a year of grocery points (₹250 x 12) still covers it five times over. Remember that the categories excluded from points do not count toward the ₹1,50,000.
Interest and penalties
- Interest: up to 3.99% a month, or 47.88% a year. RBL price it by bureau score: 3.35% a month (40.20% a year) above 775, 3.85% for 725 to 775, and 3.99% below 725. ₹10,000 carried 30 days at 47.88% is about ₹393.53 (₹10,000 x 47.88% x 30, divided by 365).
- Late fee: 12.5% of the total outstanding, minimum ₹5, maximum ₹1,300, and only when the account is more than 3 days past due. A ₹4,000 outstanding draws ₹500, and anything above ₹10,400 hits the ceiling (₹1,300 divided by 12.5%).
- Cash advance: 2.5%, minimum ₹500, plus finance charges from the day of withdrawal. Up to ₹20,000 you are paying the minimum (₹500 divided by 2.5%).
- Over-limit fee: NIL. Cheque return or auto-debit reversal: ₹500. Cash paid at an RBL branch: ₹100 a time.
Forex and the usage fees
The foreign currency mark-up is 3.5%, so ₹10,000 abroad costs ₹350 plus ₹63 of GST, ₹413. Fuel surcharge is waived on fills of ₹500 to ₹4,000, up to ₹100 a calendar month.
- Rent (MCC 6513): 1% of the payment. ₹15,000 of rent cost ₹150 plus ₹27 of GST, ₹177.
- Utilities: 1% on aggregate utility spends above ₹50,000 a month.
- Fuel and auto: 1% on each transaction above ₹10,000, at most ₹3,000 a transaction.
- Education through third-party apps such as CRED or PhonePe: 1%; paying on the school or college website, or its card machine, is free.
- FASTag loading and tolls (MCC 4784, 4111, 4131) above ₹10,000: 1% from 7 January 2026.
- Merchant EMI: 1.5% or ₹150, whichever is higher, so under ₹10,000 the ₹150 apply (₹150 divided by 1.5%).
RBL lists no wallet-load fee, but wallet loads earn no points. GST at 18% is added to every charge.
Shoprite: fees and charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual or renewal fee | ₹500 + GST |
| Annual fee waiver | Annual fee for the next membership year waived on eligible purchases of INR 1.5 lakh or more in a membership year |
| Add-on card fee | ₹200 + GST |
| GST | Charged on top of the fees and charges listed |
| In the bank’s words | Annual membership fee INR 500 + GST; add-on card INR 200 |
| Interest on unpaid balances | Up to 3.99% a month (47.88% a year) |
| Late payment fee | 12.5% of total outstanding amount, minimum INR 5 and maximum INR 1,300 (w.e.f. 17 October 2025); levied only when the account is past due for more than 3 days |
| Cash withdrawal | 2.5% of the cash amount withdrawn (minimum INR 500) plus finance charges from the date of withdrawal |
| Over-limit fee | NIL |
| Forex markup | 3.5% of the amount |
| Other fees |
|
Shoprite rewards, the cap and three shopping baskets
Grocery here mean merchant codes 5411, 5422, 5441, 5451 and 5499. Those earn 20 points per ₹100 up to 1,000 points a calendar month; after the cap, grocery earns 1 point per ₹100 like everything else. Departmental stores (5311) are not in the list, so check how your supermarket is coded.
No points on fuel and auto, railways, utilities, rent, wallets, insurance, quasi-cash, education, government services, contracted services, cash, miscellaneous code 5960, Bills2Pay, EMI conversions, and fees, charges and GST.
What points are worth
RBL says each point is redeemable for up to ₹0.25 on its rewards portal; that is the issuer's highest value, so every rupee figure below is a "up to" figure. The redemption fee is ₹99 plus GST, ₹116.82, but RBL charges it once for all redemptions done on the same day, so redeem everything together. Points not redeemed in 24 months expire. The card page says points credit within 45 days of settlement, the terms says 60 days.
Welcome and extras
Use the card within 30 days of issue and pay the annual fee by its due date for 2,000 welcome points, up to ₹500, roughly the fee before GST. Movie fans get 10% off BookMyShow tickets, up to ₹100, 15 times a calendar year: up to ₹1,500 if you book that often (₹100 x 15). There are no milestones.
Three worked examples
| Per month | Light: ₹8,000 | Typical: ₹15,000 | Heavy: ₹35,000 |
|---|---|---|---|
| Groceries | ₹3,000: 600 points | ₹6,000: 1,000 capped + 10 = 1,010 | ₹12,000: 1,000 capped + 70 = 1,070 |
| Other eligible spends at 1 per ₹100 | ₹5,000: 50 | ₹9,000: 90 | ₹20,000: 200 |
| Fuel, no points | None | None | ₹3,000 |
| Points a year | (600 + 50) x 12 = 7,800 | (1,010 + 90) x 12 = 13,200 | (1,070 + 200) x 12 = 15,240 |
| Value at up to ₹0.25 | ₹1,950 | ₹3,300 | ₹3,810 |
| Fuel surcharge waived | None | None | ₹30 x 12 = ₹360 |
| Less one redemption day | ₹116.82 | ₹116.82 | ₹116.82 |
| Fee next year | ₹590 | Waived | Waived |
| Net a year | ₹1,243.18 | ₹3,183.18 | ₹4,053.18 |
Light. All ₹3,000 of groceries earns the full 20 points. ₹96,000 a year (₹8,000 x 12) misses the waiver, so ₹590 is paid, yet the card still leaves ₹1,243.18 ahead (₹1,950 minus ₹116.82 minus ₹590). For a small household this are the sweet spot.
Typical. The first ₹5,000 of groceries fills the cap, the other ₹1,000 earns 10 points. ₹1,80,000 a year (x 12) clears the waiver, so the full ₹3,183.18 is kept.
Heavy. More than double the typical spend, but only ₹870 more value (₹4,053.18 minus ₹3,183.18), because grocery beyond ₹5,000 drops to 0.25%. Two fuel fills of ₹1,500 a month inside the ₹500 to ₹4,000 band save 1% each, ₹30 in all. A heavy grocery buyer should pair this card with another one or pick a card with a bigger cap.
Shoprite: higher-reward categories
| Category | Rate | Cap |
|---|---|---|
| Grocery (MCC 5411, 5422, 5441, 5451, 5499) | 20 reward points per INR 100, about 5% value | Grocery points capped at 1,000 per calendar month; beyond the cap grocery earns 1 point per INR 100, ₹1,000, calendar month |
Shoprite: how rewards work
| Earned as | RBL Bank reward points |
|---|---|
| Base rate | 1 reward point per INR 100 on other eligible purchases. About 0.25% value back |
| Minimum spend rules | Not published by the bank |
| No rewards on |
|
| Lower rewards on | None published |
| Value of a point |
|
| Redemption fee | INR 99 + GST, charged once for all redemptions made in a single day |
| Expiry | Points not redeemed within 24 months expire |
| Welcome benefits |
|
| Milestone benefits | None published |
| Lounge access | Domestic: None listed International: None listed |
| Fuel surcharge waiver | Fuel surcharge waived on fuel purchases of INR 500 to INR 4,000; maximum INR 100 per calendar month |
| Insurance cover | None listed |
Applying for Shoprite
RBL publishes no age or income rule for Shoprite. The only age band it puts out, 21 to 70, is for its IndianOil cards, so for this card you simply apply and RBL decide. Approval and the limit are RBL's call.
- PAN, which is a mandatory field on the form.
- KYC through Aadhaar e-KYC, Video KYC, biometric KYC or offline KYC, or an existing CKYC record.
- Your net monthly income, declared on the application.
The Apply Now link on RBL's Shoprite page takes you to its online application. RBL says processing take up to 20 days once KYC and your details are complete. For questions, the card support line is +91 22 6232 7777, and the MITC also gives a toll-free number, 1800 102 6222.
What RBL will look at
Under the RBI's 2025 card Directions RBL must judge your independent financial means and take into account the limits you already holds with other lenders. It gives you a one-page Key Fact Statement with the application and must explain in writing why, if it rejects you.
Your credit score matters here two times. It shapes the approval, and it also sets your interest rate: RBL charges 3.35% a month above a bureau score of 775 against 3.99% below 725. Experian India calls a score above 750 generally good on its 300 to 900 scale. If you will sometimes carry a balance, getting the score up before applying is worth more than the grocery points.
Expect a video call at the end. RBI rules treat a Video KYC call like an in-person check, while an account opened only on Aadhaar OTP e-KYC can be a term loan at most, never a revolving card line, so card apps finishes KYC by video.
Shoprite: eligibility and documents
| Age (salaried) | Not published by the bank |
|---|---|
| Age (self-employed) | Not published by the bank |
| Income (salaried) | Not published by the bank |
| Income (self-employed) | Not published by the bank |
| Other conditions | RBL Bank does not publish age or income criteria for this card |
| Documents |
|
| How to apply | Online through the 'Apply Now' links on each card page (creditcard.rbl.bank.in); KYC by Aadhaar e-KYC, Video KYC, biometric or offline modes. RBL says processing takes up to 20 days once KYC and details are complete. |
| Card customer care | +91 22 6232 7777 |
These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.
Who should get Shoprite
Shoprite pays off best for a household whose groceries run about ₹5,000 a month. Every rupee of that earns the top rate, the ₹250 of monthly value pays the ₹590 fee in under three months even without the waiver, and nothing else about the card need managing. That also make it a reasonable first card: a low fee, one simple rule to remember.
It is a poor main card for anyone spending more. Beyond ₹5,000 of groceries the rate falls to 0.25%, and that base rate covers all your other shopping. Fuel, utility bills, rent, insurance and wallet loads earn nothing, and there are no lounges, no listed insurance and a 3.5% forex mark-up.
Skip it too if you sometimes carry a balance. Interest of up to 3.99% a month, 47.88% a year, quickly outweighs the grocery points: ₹393.53 on ₹10,000 for 30 days is more than a month's maximum grocery value of ₹250.
The fair way to think of Shoprite is as a second card. Put the monthly grocery run on it, put everything else on a card that rewards it better, and redeem all points on one day to pay the ₹116.82 fee only once.
Pros
- 20 reward points per ₹100 on groceries, worth up to 5%
- Low ₹500 annual fee, waived on ₹1.5 lakh of eligible spends
- 2,000 welcome points, worth up to ₹500, about the fee before GST
- 10% off BookMyShow tickets up to ₹100, 15 times a year
- Redemption fee charged once per day, however many redemptions you make
- No over-limit fee
Cons
- Grocery points stop at 1,000 a calendar month, so 5% applies only to ₹5,000 of groceries
- Only 1 point per ₹100 (0.25%) on other spends
- Interest of up to 3.99% a month (47.88% a year)
- No lounge access, no listed insurance and a 3.5% forex mark-up
- Fuel, utilities, rent, wallets, insurance and education earn no points
- RBL publishes no age or income criteria for the card
Shoprite and three other grocery cards
All three alternatives cost ₹499 to ₹1,000 a year plus GST and reward groceries. The comparison table on this tab show the numbers side by side.
SimplySAVE SBI Card
The SimplySAVE SBI Card costs ₹499, waived on ₹1 lakh. It earns 10 points per ₹150 at grocery, departmental, dining and movie merchants, 1.67% at 4 points to ₹1, up to 5,000 points a month, which leaves room for ₹75,000 of such spends (5,000 divided by 10, times ₹150). That is lower rate than Shoprite's 5% but on a far bigger basket, and SimplySAVE has a RuPay version for UPI. No lounges; forex 3.5%.
HSBC RuPay Cashback
The HSBC RuPay Cashback card costs ₹499, reversed with GST above ₹2,00,000 a year. It pays 10% cashback on dining, food delivery and grocery and 1% on other spends, with all its cashback capped at ₹400 a month, which 10% reaches at ₹4,000 (₹400 divided by 10%). It work on UPI. HSBC's card page says 10 lounge visits a year and its service guide says 4. Forex is 3.5%, with a 0% offer running to 31 December 2026 by the card page or 31 January 2027 by the offer terms. HSBC asks ₹6 lakh a year of salary in listed cities.
AU Laksya
The AU Laksya costs ₹1,000 on activation, with the annual fee waived on ₹2,00,000. It gives 5 points per ₹100 on groceries up to 1,000 points a cycle, so ₹20,000 of groceries, and the same on contactless taps with no cap, but AU publishes no point value. 8 domestic lounge visits a year come with ₹50,000 of spends in the prior quarter; forex is 3.49%.
Which one to pick
- Shoprite: groceries near ₹5,000 a month and the lowest effort.
- SimplySAVE: bigger grocery and dining bills, and UPI payments.
- HSBC RuPay Cashback: cash back in rupees and UPI, if you meet HSBC's income and city rules.
- Laksya: big grocery bills, tap-to-pay habits and some lounge visits.
More choices are on best grocery credit cards and best cards for beginners. RBL's full range is on our RBL Bank cards page, and the credit cards hub explains the basics.
Shoprite against similar cards
| Term | Shoprite Credit Card This card | SimplySAVE SBI Card | HSBC RuPay Cashback Credit Card | AU Laksya Credit Card |
|---|---|---|---|---|
| Bank | RBL Bank | SBI Card | HSBC India | AU Small Finance Bank (AU Bank) |
| Joining fee | ₹500 + GST | ₹499 + GST | ₹499 + GST | ₹1,000 + GST |
| Annual fee and waiver | ₹500 + GST. Annual fee for the next membership year waived on eligible purchases of INR 1.5 lakh or more in a membership year | ₹499 + GST. Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000. | ₹499 + GST. Annual fee, including GST, fully reversed if total eligible spend in the anniversary year exceeds Rs 2,00,000 | ₹1,000 + GST. For 2nd year onwards fee waiver: Rs.2,00,000 retail spends done in previous card anniversary year. No joining fee waiver. |
| Base reward | 1 reward point per INR 100 on other eligible purchases (about 0.25% value) | 1 Reward Point per Rs. 150 spent on all other spends (about 0.17% value) | 1% cashback on all other eligible spends (about 1% value) | 2 Reward Points per Rs.100 on all other retail spends |
| Best category | Grocery: about 5% value | Dining, movies, departmental stores, grocery and supermarkets: about 1.67% value | Dining, food delivery and grocery: about 10% value | Grocery and departmental stores: 5 Reward Points per Rs.100 |
| Lounges | Domestic: None listed International: None listed | Domestic: None listed on card page International: None listed on card page | Domestic: Up to 2 complimentary domestic visits per quarter (card page) International: 2 international visits per year (card page) | Domestic: 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) International: None published |
| Forex markup | 3.5% of the amount | 3.5% of the amount | 3.5% of the amount | 3.49% of the amount |
| Network | Mastercard, Visa | Visa, Mastercard, RuPay | RuPay | Visa |
| Published minimum income | Not published by the bank | Stable income; SBI Card says the specific minimum varies by card and does not... | ₹50,000 a month | Minimum monthly income as specified by the bank (no figure published) |
| Status | Taking applications | Taking applications | Taking applications | Taking applications |
Frequently asked questions
Does the RBL Shoprite card have a joining fee?
What is a Shoprite reward point worth?
What are the eligibility criteria for the RBL Shoprite Credit Card?
Does RBL Shoprite offer lounge access or low forex?
What changed on RBL Shoprite recently?
Which shops count as grocery on the Shoprite card?
Related
- RBL Bank Credit Cards 2026: Interest by Score, Co-Brands and Fees
- SimplySAVE SBI Card Review: 10X on Groceries, Dining and Movies
- HSBC RuPay Cashback Credit Card Review: 10% on Food, ₹400 Total Cap
- AU Laksya Credit Card Review: 5X Points on Groceries and Every Tap
- Best Grocery Credit Cards in India 2026: The Monthly Cap Decides
Sources
- RBL Bank: Schedule of Charges (RBL-CC-SOC-V2-04-06-2026); Shoprite Credit Card Terms and Conditions; RBL Bank Rewards Terms & Conditions (live page refused the fetch; read from Internet Archive capture of 2026-05-20; Most Important Terms and Conditions cum Key Fact Statement for Credit Cards; Shoprite Credit Card; RBL Bank Credit Card Network Availability Guide; Credit Card Application Form (RBL-CC-LF-23-09-2026)
Last verified: 5 November 2026
Written by Abhishek Kumar, reviewed by BankCreds Financial Experts
BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.