RBL Bank ShopRite Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

RBL Bank’s Shoprite Credit Card is a basic entry-level card with modest reward rates. Its main highlight is 5% valueback on offline grocery purchases at stores like DMart, Reliance Smart Bazaar etc. You may also find RBL Credit Cards' instant discount offers ocassionalon select e-commerce platforms.The card has an annual fee of Rs.590 (including GST) but is frequently offered Lifetime Free under promotional campaigns. If available as Lifetime Free, it’s worth getting for grocery spends and RBL Bank's instant discount offers; otherwise, given better alternatives in the same fee range, it’s not recommended as a paid card.As of November 2025, it is being offered Lifetime Free — click on the Apply Now button on this webpage to check on the next page if the card is still being offered as Lifetime Free.

Pros

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

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

Fees & Charges

Joining / Annual Fee ₹ 590

Renewal Fee ₹ 590

Annual Spend Target for Fee Waiver ₹ 150,000

Minimum Annual Income Required ₹ 240,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 0.25% ; Accelerated Reward Rate: 2.5%

Base Reward Rate

0.25%

Accelerated Reward Rate

2.5%

Welcome Benefits

2,000 Rewards Points (only on payment on Joining Fee, not on Lifetime Free card)

Renewal Benefits

N/A

Rewards & Cashback Details

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

Rewards 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.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

No lifestyle benefits

Features & Benefits

Reward Points

Cashback

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Gift Cards

Jewellery

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

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.

Ratings & Reviews

1.6

Overall Rating

Reward Rate

0/5

Lifestyle Benefits

1/5

Ease of Reward Redemption

3/5

Value For Money

1/5

Customer Service

2/5

Detailed Review

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.

Eligibility & Important Info

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.