RBL Bank
RBL Shoprite Credit Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
5 % Effective Value Back on Groceries
earn 20 points (₹5 value) per ₹100 on grocery spends (capped at 1,000 points/month).
Unlimited Rewards on other purchases
as you get 1 reward point for every ₹100 you spend on any transaction with your RBL Shoprite card.
Best For
Shopping
Online Food Ordering
Dining
Grocery Shopping
The RBL Shoprite Credit Card is an excellent entry-level financial tool designed for individuals who wa...
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The RBL Shoprite Credit Card is an excellent entry-level financial tool designed for individuals who wa...
The RBL Shoprite Credit Card is an excellent entry-level financial tool designed for individuals who want straightforward rewards on their daily expenses. With a direct focus on grocery spending and everyday utility, this card makes it simple to accumulate reward points without complicated earning structures. If you frequently visit supermarkets or buy groceries online, this card offers a highly effective way to earn value back on those mandatory household expenses.
Unlike premium cards that charge massive annual fees for travel perks you might never use, the RBL Shoprite card keeps things highly practical. It carries zero joining fees, meaning you can start earning rewards immediately without any upfront cost. The card also features an achievable annual fee waiver, allowing you to easily make it free for the long term. This card works great for young professionals, homemakers, and first-time credit card users who want to build a solid credit history while saving money on their essential purchases.
View FAQ
Commonly Asked Questions
Is the RBL Shoprite Credit Card lifetime free?
The card comes with zero joining fees, but it is not completely lifetime free by default. It has an annual renewal fee of Rs. 500, which you can easily get waived by spending Rs. 1.5 Lakh in a year.
Who is the ideal user for this credit card?
This card is perfect for people who spend a significant portion of their monthly budget on groceries and household items. If you prefer practical, everyday savings over luxury travel benefits, this card matches your profile.
Can I use this card on international websites?
Yes, the card is issued on major global networks including VISA and Mastercard, making it fully operational for international online and offline purchases. Note that a 3.5 percent forex markup applies to these transactions.
Does this card help in building a credit score?
Absolutely. By using the card for small daily expenses and paying your bill in full every month, you establish a strong repayment history, which steadily improves your CRIF and CIBIL scores.
Expert Review
From my perspective evaluating dozens of entry-level financial products, the RBL Shoprite Credit Card hits the nail on the head for its intended demographic. Its zero joining fee instantly removes the barrier to entry, and the 5 percent reward value on groceries is genuinely generous for a basic card. If you are a family managing a strict household budget, saving Rs. 250 every month on a Rs. 5,000 supermarket run provides tangible, visible value.
However, the card is far from perfect. The general reward rate of 0.25 percent is undeniably weak. Spending Rs. 10,000 on general retail and getting back just Rs. 25 feels incredibly unrewarding. Furthermore, the Rs. 99 redemption fee actively eats into your hard-earned profits unless you hoard points for a massive single payout. I recommend this card strictly as a secondary piece of plastic. Keep it in your wallet purely for the supermarket checkout line and BookMyShow tickets, and pair it with a flat-cashback card for your other daily expenses.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹590 ( ₹500 + GST )
Understanding the cost of holding a credit card is vital before applying. The RBL Shoprite Credit Card ...
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Understanding the cost of holding a credit card is vital before applying. The RBL Shoprite Credit Card ...
Understanding the cost of holding a credit card is vital before applying. The RBL Shoprite Credit Card is highly competitive in its initial pricing because the bank charges a joining fee of exactly zero. When your application is approved and the physical plastic arrives at your doorstep, your first statement will not carry any hidden onboarding charges or setup fees. You literally start your credit journey at no initial cost.
While the card is free to acquire, it does carry an ongoing maintenance cost. From the second year of card membership onward, you will be charged an annual renewal fee of Rs. 500 plus applicable GST. However, the bank provides a very transparent method to completely waive this annual fee. If your total retail spending on the card reaches or exceeds Rs. 1.5 Lakhs within your membership year, the Rs. 500 fee for the upcoming year is automatically cancelled.
Let us look at how achievable this waiver is with a simple example. A target of Rs. 1.5 Lakhs over 12 months requires an average monthly spend of just Rs. 12,500. If you use this card as intended for your household groceries, utility bills, and occasional online shopping, hitting Rs. 12,500 a month is incredibly simple for a middle-income household. By simply routing your mandatory monthly expenses through the card, you effectively turn it into a lifetime free asset.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card comes with absolutely zero joining fees. You will not face any upfront setup charges on your first billing statement.
What is the annual or renewal fee?
Starting from the second year, the bank charges a standard annual renewal fee of Rs. 500, plus the government-mandated GST amount.
Is there an annual fee waiver option?
Yes, the bank will completely waive the Rs. 500 annual fee if you spend Rs. 1.5 Lakh or more on the card during your 12-month membership cycle.
What is the exact spending requirement for the annual fee waiver?
You need to accumulate total spends of Rs. 1.5 Lakhs in a year. This averages out to spending roughly Rs. 12,500 every month on the card.
Do rent payments count toward the fee waiver milestone?
Rent payments, wallet loads, and EMI transactions are strictly excluded from the Rs. 1.5 Lakh annual spend calculation for the fee waiver.
When is the annual fee charged if I do not meet the target?
The fee is typically billed to your account statement in the anniversary month of your card issuance, marking the start of your new membership year.
Does the welcome bonus offset the first year fee?
Since there is zero joining fee in the first year, the Rs. 500 welcome bonus value acts as pure additional savings rather than offsetting a cost.
How do I track my progress toward the fee waiver?
You can monitor your accumulated yearly spends through the bank's official mobile application or internet banking dashboard to see how close you are to Rs. 1.5 Lakh.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Getting approved for the RBL Shoprite Credit Card requires meeting a straightforward set of age, income...
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Getting approved for the RBL Shoprite Credit Card requires meeting a straightforward set of age, income...
Getting approved for the RBL Shoprite Credit Card requires meeting a straightforward set of age, income, and credit profile parameters. The bank has kept these requirements relatively accessible to encourage young professionals and middle-income earners to apply. To be eligible, the primary cardholder must fall within the age bracket of 21 to 60 years at the time of submitting the application. This applies identically whether you work for a company or run your own business.
Income is a major deciding factor. If you are a salaried professional, the bank requires a minimum monthly income of Rs. 30,000. Annually, this translates to Rs. 3 Lakh. If you are a self-employed individual or a business owner, you also need to show an annual income of Rs. 3 Lakh through your tax filings. This means an entry-level professional making Rs. 35,000 a month comfortably meets the financial threshold for approval.
Beyond your salary, the bank heavily weights your existing credit history. You need a minimum CRIF score of 720 to pass the automated approval checks. A score of 720 indicates you have a responsible history of handling loans or previous credit cards without severe defaults. If you meet the age limit, have a documented income above Rs. 30,000 a month, and maintain a healthy credit score above 720, your chances of a smooth, rapid approval are exceptionally high.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years of age. Applications from individuals aged 18 to 20 will be automatically rejected based on bank policy.
What is the maximum age limit for the primary cardholder?
You must be 60 years old or younger at the time of application. The bank generally cuts off new approvals for primary applicants who exceed this age limit.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 30,000 to qualify. This equates to an annual required salary package of Rs. 3 Lakh.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate a minimum annual income of Rs. 3 Lakh, typically verified through recent Income Tax Returns.
Can self-employed individuals apply for this card?
Yes, the card is open to both salaried employees and self-employed individuals, provided both groups meet their respective documentation and income requirements.
What credit score is needed for approval?
The bank requires a minimum CRIF credit score of 720. Maintaining a score above this threshold demonstrates good financial behavior and significantly boosts approval odds.
Will my application be rejected if my credit score is slightly below 720?
While 720 is the official requirement, banks occasionally consider borderline scores if your income is exceptionally high, but a lower score greatly increases the risk of rejection.
Do I need to have an existing account with RBL bank?
No, having a prior savings or salary account with the bank is not mandatory. You can apply as a completely new customer provided you meet the core criteria.
Can homemakers apply for this credit card?
Since the card requires proof of independent income (Rs. 30,000 monthly), homemakers without formal income streams typically cannot apply as primary cardholders.
All Card Benefits
- Welcome benefit of 2,000 reward points on card use within 30 days and fee payment.
- 20 reward points per ₹100 spent on grocery (up to 1,000 points/month).
- 1 reward point per ₹100 on all other spends.
- 10% discount on BookMyShow movie tickets (up to ₹100, 15x/year).
- 1% fuel surcharge waiver (₹500–₹4,000, up to ₹100/month).
- Annual fee waiver on ₹1.5L spend/year.
Welcome Benefits
Starting your journey with a new credit card should be rewarding right out of the g...
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Welcome Benefits Starting your journey with a new credit card should be rewarding right out of the g...
Welcome Benefits
Starting your journey with a new credit card should be rewarding right out of the gate. The RBL Shoprite card offers a neat welcome benefit of 2,000 reward points. To qualify for this bonus, you must use your card within 30 days of issuance and complete any necessary fee payments to the bank. Specifically, the bank requires a minimum transaction of Rs. 100 within the first 30 days to activate the card properly, otherwise, you lose eligibility for the rewards program entirely.
Let us look at the practical value of this welcome bonus. Since each reward point holds a value of Rs. 0.25, the 2,000 welcome points translate directly to Rs. 500 in real value. Because the card has zero joining fees, this Rs. 500 value represents pure profit for simply activating your card and buying a small item like a cup of coffee or a quick snack.
Reward Points Structure
The core strength of the RBL Shoprite Credit Card lies in its focused reward points structure. The bank has designed this system specifically to benefit your daily household running costs. For every Rs. 100 you spend on grocery purchases, you earn an impressive 20 reward points. This accelerated earning rate is capped at 1,000 points per month. For all other regular retail spends, you earn a standard rate of 1 reward point per Rs. 100 spent.
To understand the actual savings, we need to look at the math. Each point equals Rs. 0.25. If you spend Rs. 5,000 on groceries in a single month, you earn 20 points per Rs. 100, which equals exactly 1,000 points. This hits the monthly cap. Those 1,000 points are worth Rs. 250. This means you are effectively getting a 5 percent return on your grocery spending up to Rs. 5,000 every month. If you maximize this grocery benefit every month for a year, you save Rs. 3,000 annually just on groceries. For general spends like clothing or electronics, spending Rs. 10,000 earns you 100 points, which is worth Rs. 25, giving you a baseline 0.25 percent return.
Movie and Entertainment Perks
Beyond daily essentials, the card provides a straightforward entertainment benefit. When you book movie tickets through BookMyShow, you receive a flat 10 percent discount on your purchase. The bank caps this discount at a maximum of Rs. 100 per transaction, and you can use this specific offer up to 15 times within a single calendar year. To apply the discount, you must manually select the RBL Bank 10 percent offer under the Credit Card offers section on the BookMyShow payment page.
Let us break down the savings with a practical movie night example. If you buy two tickets totaling Rs. 800, a 10 percent discount instantly reduces your cost by Rs. 80, bringing your final payment down to Rs. 720. If you book a premium format movie for Rs. 1,500, the 10 percent calculation equals Rs. 150, but since the offer is capped, you will receive the maximum discount of Rs. 100. Over a year, using this perk 15 times for family movie outings can save you up to Rs. 1,500.
Dining Benefits
When eating out at restaurants or ordering food online, this card treats dining as part of your general spending portfolio. You earn 1 reward point for every Rs. 100 you spend on dining purchases. There are no complicated dining networks or restricted restaurant lists to worry about. Any valid restaurant terminal will trigger this standard earning rate.
For example, if you take your family out for a weekend dinner and the bill comes to Rs. 3,500, you will earn 35 reward points. Converting those points at the standard Rs. 0.25 rate gives you a value of Rs. 8.75. While this is not an aggressive dining return compared to premium food-focused cards, it provides a reliable, steady accumulation of points alongside your primary grocery benefits.
Fuel Surcharge Waiver
Paying an extra surcharge every time you fill up your vehicle is frustrating. This card provides relief through a standard 1 percent fuel surcharge waiver at all petrol pumps across the country. To qualify for the waiver, your fuel transaction must fall between a minimum of Rs. 500 and a maximum of Rs. 4,000. The bank limits the maximum surcharge waiver you can receive to Rs. 100 in a single monthly billing cycle.
Consider a practical commuting scenario. If you fill your tank with Rs. 2,000 worth of petrol, the standard 1 percent surcharge of Rs. 20 is completely waived from your statement. If you spend Rs. 10,000 on fuel across the month in blocks of Rs. 2,000, you will hit the Rs. 100 maximum monthly waiver cap. Note that while you save the surcharge fee, fuel transactions do not generate any standard reward points.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus points?
You need to make at least one transaction of Rs. 100 or more within 30 days of receiving your card. Meeting this single condition activates your account and triggers the 2,000 welcome points.
What is the exact rupee value of the welcome benefit?
The 2,000 welcome reward points are valued at Rs. 0.25 each. This gives you a total monetary value of Rs. 500, which you can redeem against various catalog items or flights.
What happens if I do not spend Rs. 100 in the first 30 days?
If you fail to make this minimum initial transaction within the 30-day window, you will forfeit the welcome bonus completely, and you will not be eligible to participate in the ongoing rewards program.
Do I have to pay a joining fee to get these welcome points?
No, the bank charges zero joining fees for this specific card. You receive the welcome points purely based on your card activation and first minor spend.
What is the maximum grocery reward I can earn in a month?
The bank caps the accelerated grocery rewards at 1,000 points per month. You reach this maximum cap exactly when you spend Rs. 5,000 on groceries in a single billing cycle.
What is the value of one reward point?
Every single reward point you earn on this card carries a redemption value of Rs. 0.25. This conversion rate remains constant across both grocery points and general spend points.
What happens if I spend Rs. 8,000 on groceries in a month?
For the first Rs. 5,000, you will earn the maximum 1,000 accelerated points. For the remaining Rs. 3,000, you will earn points at the regular rate of 1 point per Rs. 100, adding another 30 points to your total.
Do I earn points on every single transaction?
No, certain transactions do not earn any reward points. This includes fuel, wallet loads, rent, insurance, and utility bills. Only eligible retail and grocery spends generate points.
Is there a minimum spend required to earn points?
Rewards are calculated in blocks of Rs. 100. A transaction of Rs. 99 will not earn a point, while a transaction of Rs. 150 will earn points based on the base Rs. 100 block.
Can I earn points on international purchases?
Yes, valid international retail purchases earn points at the standard rate of 1 point per Rs. 100 spent, though a forex markup fee will apply to the transaction.
Does buying electronics online earn the accelerated rate?
No, electronics fall under general retail. You will earn the standard rate of 1 point per Rs. 100 spent, giving you an effective return of 0.25 percent.
Are my reward points valid forever?
Reward points expire exactly 24 months after the date they are credited to your account, so ensure you redeem them periodically to maximize your savings.
How do I know if a store counts as a grocery store?
The classification depends entirely on the Merchant Category Code registered by the payment terminal. Standard supermarkets and registered grocery delivery apps generally qualify for the 20 points per Rs. 100 rate.
How do I apply the movie ticket discount?
On the BookMyShow checkout page, navigate to the offers section, select the RBL Bank 10 percent credit card offer, and enter your card details to instantly apply the discount before payment.
Is the discount valid on food and beverages at the cinema?
The discount applies strictly to the ticket price; food and beverage items are excluded from the 10 percent savings offer on BookMyShow.
Can I get more than Rs. 100 off on a large booking?
No, the maximum possible discount is strictly capped at Rs. 100 per transaction, regardless of whether your total ticket cost is Rs. 1,000 or Rs. 5,000.
Does this offer work on other ticketing platforms?
This specific 10 percent discount benefit is an exclusive partnership with BookMyShow. It will not work on competing platforms or direct cinema website bookings.
Do I get extra points for dining on weekends?
No, the card offers a flat rate of 1 reward point per Rs. 100 spent on dining, regardless of the day of the week or the time of the transaction.
Are food delivery apps like Zomato and Swiggy included?
Yes, purchases made on major food delivery platforms fall under the dining and general retail category, earning you 1 reward point per Rs. 100 spent.
Do I get direct discounts at partner restaurants?
This card focuses on reward point generation rather than direct dining discounts. You earn standard points on the bill rather than receiving an upfront percentage off.
Is there a monthly cap on dining points?
Unlike the grocery category which is capped at 1,000 points, standard retail and dining spends do not have a strict monthly point generation ceiling.
What happens if I buy petrol worth Rs. 300?
Because Rs. 300 is below the minimum qualifying threshold of Rs. 500, you will not receive the 1 percent surcharge waiver and the fee will be billed to your account.
Can I use this at any brand of petrol pump?
Yes, the waiver is universally valid at all authorized fuel stations across India, regardless of whether it is an Indian Oil, Bharat Petroleum, or HP terminal.
Do I earn reward points when I buy fuel?
No, fuel transactions are specifically excluded from the reward points program. You only get the surcharge waiver, not the points.
What is the maximum I can save on fuel fees in a year?
Since the maximum monthly waiver cap is Rs. 100, you can save a maximum of Rs. 1,200 annually on fuel surcharges by maximizing the benefit every month.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Shopping
- Flight Bookings
- Utlitiy Bills
- gifts
To check redemption catalogue
Earning points is only half the battle; knowing how to extract maximum value from them is just as impor...
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Earning points is only half the battle; knowing how to extract maximum value from them is just as impor...
Earning points is only half the battle; knowing how to extract maximum value from them is just as important. The RBL Shoprite Credit Card centralizes its redemption process through a dedicated portal called RBL Rewards (https://www.rblrewards.com/). You do not receive automatic cashback on your statement; instead, you actively accumulate points that you must log in and redeem manually.
The redemption catalogue offers massive flexibility. You can use your points for shopping items, booking domestic and international flights, mobile recharges, or purchasing gift vouchers for popular brands. The mathematical conversion is simple: 1 Reward Point strictly equals Rs. 0.25 across standard redemption options. When you initiate a redemption request, the bank charges a handling fee of Rs. 99 plus applicable GST. This fee is deducted from your card balance, not your point total.
Let us look at a real-world redemption example. Suppose you have accumulated 12,000 reward points from months of grocery shopping. At a value of Rs. 0.25 per point, your balance is worth exactly Rs. 3,000. You log into the portal and choose to book a flight ticket worth Rs. 3,000. The points cover the ticket cost completely, and the bank simply bills the Rs. 99 redemption fee to your next credit card statement. To maximize value, always redeem points in large batches rather than small chunks, so you only pay the Rs. 99 fee once for a massive reward.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You must visit the official RBL Rewards website (https://www.rblrewards.com/), log in using your registered credentials, browse the catalogue, and select items to purchase with your points.
What is the value I get when I redeem my reward points?
Every single point you redeem holds a fixed monetary value of Rs. 0.25. Therefore, a balance of 4,000 points gives you Rs. 1,000 in purchasing power.
What can I redeem my reward points for?
The catalogue is quite broad, allowing you to spend points on direct shopping items, flight ticket bookings, mobile network recharges, and brand gift vouchers.
Is there a fee for redeeming my rewards?
Yes, the bank imposes a reward redemption handling fee of Rs. 99, plus the government GST, every time you submit a redemption request through the portal.
Is cashback credited automatically to my account?
No, this is a point-based card, not a direct cashback card. Points accumulate in your account until you take manual action to redeem them on the portal.
Do my reward points expire if I do not use them?
Points remain valid for exactly 24 months from the date of earning, after which they automatically lapse from your rewards balance.
Should I redeem points frequently or save them up?
Because you pay a flat Rs. 99 fee per redemption request, it is mathematically wiser to save up thousands of points and redeem them all in one large transaction.
Can I transfer my points to an airline frequent flyer program?
Airlines transfers are not supported on this card; points can only be redeemed through the bank's internal rewards catalogue for flights or vouchers.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
Credit card rewards are never unlimited, and banks strictly define which transactions generate points. ...
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Credit card rewards are never unlimited, and banks strictly define which transactions generate points. ...
Credit card rewards are never unlimited, and banks strictly define which transactions generate points. The RBL Shoprite card features a comprehensive list of spending categories that are completely excluded from the rewards program. When you swipe your card for any of these excluded services, the transaction processes normally, but your point balance will not increase by a single digit.
The bank explicitly excludes Fuel Spends, EMI Spends, Wallet Loads, Jewellery Purchases, Cash Advances, Bank Charges and Fees, Rent Payment, Government-related Transactions, Insurance Payments, Education Spends, and Utility Bill Payments. It also specifically states that paying off outstanding card balances does not yield points. Let us examine the real-world impact of these rules. If you pay a Rs. 20,000 child education fee or a Rs. 15,000 annual life insurance premium using this card, you will earn zero points. While you get the convenience of 40 days of free credit, you lose out on the standard Rs. 87.5 reward value you would normally get from a regular retail spend of that size. Similarly, loading Rs. 5,000 into Paytm or Amazon Pay yields absolutely nothing.
View FAQ
Commonly Asked Questions
Which transactions do not earn reward points on this card?
You earn zero points on fuel, EMI conversions, wallet loads, jewellery, cash withdrawals, rent, government payments, insurance premiums, education fees, and utility bills.
Does paying my electricity or water bill earn rewards?
No, utility bill payments are strictly listed in the bank's exclusion categories. You will not earn any standard points for paying basic household utilities.
Are insurance premium payments excluded from rewards?
Yes, whether it is health, life, or vehicle insurance, all insurance-related merchant codes are excluded and will not generate reward points on this card.
Does paying rent with this card earn reward points?
Rent payments do not yield any points. Additionally, processing rent through credit cards usually attracts heavy third-party convenience fees, making it an expensive choice.
Do wallet top-ups or gift card purchases earn rewards?
Loading money into digital wallets is fully excluded. You will not earn points for transferring funds into apps like Paytm, MobiKwik, or Amazon Pay balance.
What happens if I convert a large purchase into an EMI?
The moment a retail purchase is converted into an Equated Monthly Installment (EMI) plan, it stops earning rewards, and any points previously credited for it may be reversed.
Are education or school fee payments excluded?
Yes, educational expenses such as school fees, college tuition, or online course payments are categorized separately and blocked from earning regular reward points.
Do I get points for buying gold or jewellery?
No, jewellery purchases are explicitly excluded by the bank. Buying high-value gold or diamond items will not accelerate your reward points balance.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.99% monthly fee. Credit cards offer an interest-free period of 17-50 days depending on the scheme. If you do not pay your statement amount by the due date, interest starts accruing on the total outstanding balance, including any unpaid EMIs. Banks typically charge around 16% p.a. interest on EMIs, but if payments are delayed, the annual interest on outstanding balances can go up to 47.88%. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees | 2.50% |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001- and above | ₹1200 |
Before committing to any credit card, a clear understanding of its entire fee structure is crucial to a...
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Before committing to any credit card, a clear understanding of its entire fee structure is crucial to a...
Before committing to any credit card, a clear understanding of its entire fee structure is crucial to avoid unpleasant billing surprises. The RBL Shoprite card carries an accessible entry pricing model, but standard industry penalty rates apply if you miss payments or use the card for costly cash withdrawals.
The Joining Fee for this card is strictly Rs. 0. There are no immediate setup costs, and you do not need to factor in any offset calculations because the card is given to you free of initial charge.
The Annual or Renewal Fee is Rs. 500 plus GST, applicable from the second year. The annual fee is waived if you spend Rs. 1.5 Lakh or more in a year on your card, as per bank policy. For example, if you average Rs. 12,500 per month on groceries and bills, you hit the Rs. 1.5 Lakh mark and automatically save the Rs. 500 fee next year.
The APR (Annual Percentage Rate) or Interest Rate is incredibly steep. Finance charges of 3.75 percent per month (42 percent per annum) apply on unpaid outstanding balances until the amount is fully repaid. If you leave a Rs. 10,000 balance unpaid after the due date, the bank charges you Rs. 375 in interest for just one month of delay, rapidly inflating your debt.
Late payment charges range from Rs. 100 to Rs. 1,300 depending on the amount due. For balances over Rs. 50,000, a maximum penalty of Rs. 1,300 applies, which is added to the 3.75 percent monthly interest for a significantly higher overall debt burden.
A 3.5 percent forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. For instance, if you buy a software subscription online billed at exactly Rs. 10,000 in foreign currency, the bank adds a 3.5 percent markup, meaning your final statement charge will be Rs. 10,350.
2.5 percent of the withdrawn amount is charged on cash advances using the credit card (minimum Rs. 500, if applicable). If you use this card at an ATM to withdraw Rs. 10,000 in an emergency, the 2.5 percent fee equals Rs. 250, but because the bank enforces a Rs. 500 minimum, you are instantly charged Rs. 500 just for accessing your own credit line.
A 1 percent convenience fee plus applicable GST is charged on all rent payments made using third-party apps, increasing the overall cost of using the card for property-related transactions.
Railway bookings attract a 1 percent surcharge on the transaction value, which is waived for tickets purchased through the official IRCTC website or at station counters up to a monthly limit of Rs. 500.
Depositing physical cash at a branch to settle your credit card bill incurs a flat service fee of Rs. 100 plus GST per transaction.
Clearing your credit card dues via physical cheque is free, but if the cheque is dishonored for any reason, a bounce penalty of Rs. 500 is applied to your statement.
A reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request. If you redeem points worth Rs. 500, the bank takes Rs. 99, reducing your effective value by nearly 20 percent. Always accumulate thousands of points before triggering a redemption to dilute the impact of this flat fee.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Renewal Fee | Rs. 500 (Waived on Rs. 1.5 Lakh spend) |
| Interest Rate (APR) | 3.75% per month (42% per annum) |
| Forex Markup Fee | 3.5% of transaction value |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Reward Redemption Fee | Rs. 99 + GST per request |
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Commonly Asked Questions
What are the joining fees for this card?
The card is issued with absolutely zero joining fees. You do not pay anything to acquire the card in the first year.
What is the annual or renewal fee?
The standard annual maintenance charge is Rs. 500 plus GST, which kicks in from your second membership year.
Is there an annual fee waiver based on spending?
Yes, the annual fee is automatically waived if you manage to spend Rs. 1.5 Lakh or more on your card within the membership year.
How can I get this card lifetime free?
You can effectively make it lifetime free by consistently routing Rs. 12,500 of mandatory household expenses through the card every month to hit the yearly waiver target.
What is the interest rate if I don't pay my full balance?
The bank charges a massive 3.75 percent monthly interest rate, which compounds to a staggering 42 percent annually on any unpaid amount.
How is the interest calculated on outstanding balances?
Finance charges of 3.75 percent per month apply on unpaid outstanding balances until the entire amount is fully repaid, calculating from the original date of purchase.
What are the late payment charges?
Late payment penalties range from Rs. 100 to Rs. 1,300 depending on the amount due, and these fees are applied on top of the 3.75 percent monthly interest rate.
What is the forex markup for international transactions?
A heavy 3.5 percent forex markup fee applies to any purchase billed in a foreign currency, effectively nullifying any standard reward points you earn on that purchase.
Can I withdraw cash using my credit card?
Yes, but a cash advance fee of 2.5 percent of the withdrawn amount is charged immediately, subject to a harsh minimum penalty of Rs. 500 per transaction.
What happens if I spend more than my credit limit?
Exceeding your assigned credit limit results in an over-limit fee of 2.5 percent of the over-limit amount, with a minimum charge of Rs. 500 per instance.
Are there fees for paying rent with this card?
A 1 percent convenience fee plus GST is charged on every rent payment transaction, making it a costly way to handle monthly property dues.
Is there a fee to redeem my reward points?
Yes, every time you cash out your points on the RBL Rewards portal, you are hit with a Rs. 99 handling fee plus GST.
Is there a fee for paying my bill in cash?
Settling your credit card bill by depositing cash at an RBL branch attracts a convenience fee of Rs. 100 plus GST.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity documents are required for application?
You need a clear, original PAN Card for primary identity and tax tracking. Aadhaar card verification is also heavily utilized for immediate identity confirmation.
What can I use as proof of address?
An Aadhaar card, Passport, Voter ID, or a recently issued utility bill in your name serves as acceptable proof of your current residential address.
What income proof do salaried applicants need?
Salaried individuals usually need to provide their latest 2 months' salary slips and sometimes a 3-month bank statement showing the salary credits.
What income proof is needed for self-employed applicants?
Business owners and freelancers must submit their latest audited Income Tax Returns (ITR) alongside a recent bank statement reflecting their cash flow.
Do I need physical copies if I apply online?
No, physical photocopies are not required. You will either upload digital PDF copies or show the physical originals directly to the camera during Video KYC.
Can I use a rent agreement as address proof?
A registered rent agreement is accepted as valid address proof when provided alongside a latest utility bill in the owner's name.
Who Should Get This Card?
The RBL Shoprite Credit Card shines for a very specific type of consumer. If you are a young professional, a newly married couple, or a homemaker managing the household budget, grocery bills likely form a massive chunk of your mandatory monthly outgoings. This card is built specifically for you. By isolating grocery spends and rewarding them at an accelerated 5 percent value rate, it turns a boring chore into a steady stream of savings.
Conversely, frequent flyers, luxury shoppers, and heavy diners should look elsewhere. If you want airport lounge access, massive air-mile conversion rates, or 10 percent cashback on Swiggy and Zomato, this card will disappoint you. Its general reward rate of 0.25 percent is too low to satisfy power users. It is an honest, straightforward, single-purpose financial tool for the supermarket aisle.
Credit Limit and What to Expect
When your card is approved, the bank assigns a specific credit limit based entirely on your financial profile. This limit represents the maximum amount you can borrow in a single billing cycle. For applicants earning near the minimum Rs. 30,000 monthly threshold, starting limits are generally conservative to encourage responsible spending. If you have a long credit history and high income, the bank will naturally extend a much higher spending limit.
It is best practice to keep your credit utilization below 30 percent of your assigned limit. For example, if the bank gives you a Rs. 50,000 credit limit, try not to carry a statement balance higher than Rs. 15,000. Consistently spending below this ratio and paying the bill in full every month signals strong financial discipline to the bank, which often leads to automated credit limit increase offers within the first 6 to 12 months of card ownership.
View FAQ
Commonly Asked Questions
What credit limit will I get as a first-time applicant?
Initial credit limits for first-time users typically range from Rs. 25,000 to Rs. 60,000 based on your documented income and CIBIL score.
Can I request a higher credit limit immediately?
Banks rarely entertain limit increase requests immediately after issuance. You generally need to show 6 months of responsible usage before requesting an enhancement.
Does a low credit limit affect my credit score?
A low limit itself does not hurt your score. However, maxing out a low limit causes high credit utilization, which negatively impacts your CRIF score.
Can I spend beyond my assigned credit limit?
Attempting to spend past your limit will typically result in a declined transaction, though some banks may approve it while charging a steep over-limit penalty fee.
How often does the bank review accounts for limit increases?
Most banks conduct automated portfolio reviews every 6 to 12 months and send pre-approved limit increase offers via SMS or email to responsible users.
Does checking my limit on the app cost money?
No, viewing your available credit limit, outstanding balance, and transaction history through the mobile banking app is completely free.
How to Apply?
Applying for the RBL Shoprite Credit Card is a fully digitized process that takes just a few minutes. You can initiate your application directly through the bank's official website or a verified financial aggregator. Start by entering your basic personal details, PAN number, and employment information. The system will perform an instant soft check to verify your basic eligibility.
Once conditionally approved, you will proceed to the Video KYC verification phase. This step eliminates the need for physical branch visits or dealing with paper documents. During the Video KYC call with a bank agent, you will need to display your original PAN card and verify your identity in real-time. Ensure you have a stable internet connection and are situated in a well-lit room. Once the KYC process is successful, the bank processes your application and typically dispatches the physical card within a week.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, the entire application process is optimized for digital completion. You can apply directly from your smartphone or computer without visiting a branch.
What is Video KYC and is it mandatory?
Video KYC is a mandatory digital verification call with a bank executive where you show your original PAN card to prove your identity remotely.
What do I need for a successful Video KYC call?
You must have your physical, original PAN card in hand, a blank piece of paper with a blue or black pen for a signature test, and a strong internet connection.
How long does the approval process take?
If your Video KYC is successful and your credit profile is strong, formal approval typically happens within a few working days, followed by card dispatch.
How can I track my application status?
You will receive a unique application reference number via SMS. You can enter this number on the bank's tracking portal to view real-time updates.
What happens if my internet disconnects during Video KYC?
You will receive a link to reschedule or restart the Video KYC process. If it fails repeatedly, you may have to complete physical verification.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹700 Rewards
Top Benefits
5 % Effective Value Back on Groceries
earn 20 points (₹5 value) per ₹100 on grocery spends (capped at 1,000 points/month).
Unlimited Rewards on other purchases
as you get 1 reward point for every ₹100 you spend on any transaction with your RBL Shoprite card.
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