RBL Bank’s ShopRite Credit Card

(1.6/5)
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RBL Bank’s Shoprite Credit Card is a very basic entry level credit card which comers with low reward rates. This card comes with a fee of Rs.590 including GST. However, it is often offered lifetime free under various promotional offers. Occasionally you will see some instant discount offers on various e-commerce sites or apps. So, if you come across such offer wherein you are being offered this credit card as Lifetime Free, you can get this credit card to use during such offer period. Otherwise, considering much better options available in the market even at Rs.590 fee, this card is not recommended as a paid credit card. In the month of January and February 2025, this card is being offered as Lifetime Free if applied during these months. In March or afterwards, you can click on the Apply Now button on this webpage and can check if it’s still being offered as Lifetime Free.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining and Renewal Benefits

Joining Benefits: 2,000 Reward Points on payment of Joining Fee and al-least one transaction in first 30 days of card activation. No Joining Benefits with Lifetime Free card.

Renewal Benefits: No renewal benefits

Cashback and Rewards

  • 20 Reward Points per Rs.100 spend on Grocery (= 5% Valueback), maximum upto 1,000 Reward Points in a month
  • 1 Reward Point on Every Rs.100 Spend on other spend categories ( = o.25% Valueback)
  • 10% discount (up to Rs.100) on movie tickets on BookMyShow 15 times a calendar year.

Fuel Surcharge Waiver

1% Fuel surcharge waiver on transaction between Rs.400 and Rs.4,000. Maximum surcharge waiver upto Rs.100 per month.

Reward Redemption

  • Reward points can be redeemed against merchandise and gift vouchers at RBL Reward Portal at the rate of 1 Reward Points = Rs.0.25
  • RBL Rewards Portal: https://www.rblrewards.com/
  • There is a reward redemption fee of Rs.117 including fee. It is taken once in a day.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 150000

Pros

Aspects that make this credit card amazing.

  • Decent vtluabck of 5% on Grocery spend
  • 10% discount on movie ticket may be useful for people who are not having any better option
  • Occasionally, you can find instant discount offers of RBL Bank. If the card is offered as Lifetime free, can be taken for such offers.
  • The card is offered on RuPay platforms (apart from MasterCard and Visa). RuPay brings discount offers quite frequently. This card can be used for many of such eligible offers.
  • Its approval rate is very high. If you are not getting any better credit card, you can definitely try this credit card.

Cons

Aspects this credit card lacks.

  • Very basic credit card with very low reward rate
  • It charges a reward redemption fee of Rs.117 including GST per redemption which is unwarranted for such low reward rate credit card.
  • The joining benefit just covers the Base Fee but not the GST. With the redemption fee, the joining benefit is not adequate
  • No renewal benefit
  • No option to convert the reward points into real cashback

Spend Categories with No Cashback / Rewards

No reward points on following

  • UPI transactions of less than Rs.2,000 (For RuPay variant cards)
  • Fuel & Auto service
  • Utilities
  • Insurance
  • Railways
  • Rent and Real Estate related expenses
  • Education
  • Wallet/Service Providers
  • Government Services
  • Contracted Services (MCC: 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780)
  • Cash & Bills2Pay
  • EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Add-on Cards

N/A

Eligibility Criteria

Eligibility criteria has not been specified by the RB Bank. However, since its a very basic entry level credit card, anyone who is more than 18 years old and a net monthly income of Rs.25,000 per month or more should be able to get this credit card.

Upcoming Changes

N/A

Rating & Reviews

Rating & Reviews

(1.6/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value
(1)
Lifestyle Benefits
(1)
Ease of Reward Redemption
(3)
Value for Money
(1)
Customer Service
(2)

The RBL Bank’s Shoprite Credit Card comes with very basic and rudimentary features. The current standard in the credit card industry is very high in terms of cashback, reward rate and benefits. With such a low reward rate and a high Reward Redemption Fee make this card very unattractive. However, this card offers a decent valueback of 5% and 10% discount on movie tickets. Considering this, we would recommend this credit card only to those who are not eligible for better credit card,are low on income, but want to start their credit card journey.

In case, this card is available as Lifetime Free, then can be taken for instant discount offers of RBL Bank.

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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