This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same 5% grocery earn and ₹500 fee, UPI-linkable - but sub-₹2,000 small-merchant offline UPI earns no rewards.
In-depth review
RBL Bank ShopRite Credit Card
One of India's better dedicated grocery cards — 5% back on supermarket spend for a ₹500 fee waived at ₹1.5 lakh, a real and recurring saving for the offline-first family. The catch before you apply: the 5% is capped at 1,000 reward points a month (₹5,000 of grocery spend), not uncapped. Within that cap, it's genuinely good. Beyond it, it drops to the base rate — and fuel, utilities, insurance, rent, wallets, education, government services and EMI earn nothing at all.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5% on Groceries
5% on grocery (20 RP/₹100, RP ₹0.25), capped 1,000 RP/month (~₹5,000 spend)
0.25% on Other
1 RP per ₹100 base (~0.25%); fuel & auto, utilities, insurance, rent, wallets, education, government services and EMI earn nothing (utilities, insurance & EMI since Oct 2023); ₹99 + GST redemption fee
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Movie Ticket Benefit
10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year — RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year — RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
For offline-first households whose grocery spend is around ₹5,000/month — exactly the 1,000-point cap. Beyond that, the 5% stops, so heavy grocery spenders should plan around the cap.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 5%20 pts/₹100 × ₹0.25 | ₹250 |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Groceries: 5% on grocery (20 RP/₹100, RP ₹0.25), capped 1,000 RP/month (~₹5,000 spend)
Other: 1 RP per ₹100 base (~0.25%); fuel & auto, utilities, insurance, rent, wallets, education, government services and EMI earn nothing (utilities, insurance & EMI since Oct 2023); ₹99 + GST redemption fee
Earns nothing on: Fuel · Utility Bills · Insurance · Rent · Wallet Loads · Cash Advances · Education · Government & Tax · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,000/yr in total.
1% fuel surcharge waiver (on ₹500–4,000 transactions) up to ₹100/month
10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year — RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Groceries (5% back).
Pros & cons
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- 2,000 welcome reward points (~₹500) on a first spend within 30 days
- 10% off BookMyShow bookings, up to ₹100 each, 15 times a year
- Simple, accessible entry/mid-tier card
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Fuel, utilities, insurance, rent, wallets, education, government services and EMI earn no points
- Fewer premium travel and lifestyle perks
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The 5% is capped at 1,000 RP/month (~₹5,000 spend), not uncapped, and it is not lifetime-free — beyond the cap it is an ordinary base-rate card, and several categories no longer earn.
Frequently asked questions
What exactly earns 5% grocery cashback?
Is there a cap on grocery cashback?
Is the card truly lifetime free?
Does it work at all supermarkets?
What is the base earn rate outside grocery?
Is there a welcome bonus?
What is the BookMyShow benefit?
How has the RBL Bank ShopRite Credit Card changed over time?
Has the RBL Bank ShopRite Credit Card been devalued recently?
When did the RBL Bank ShopRite Credit Card's fees last change?
How did the RBL Bank ShopRite Credit Card change in 2024?
The bottom line
Within its cap, ShopRite is one of the best grocery cards in India — 5% on supermarket spend is a standing discount on a category every household has. Just apply with eyes open: it is capped at 1,000 points/month (~₹5,000 of grocery), it is not lifetime-free (₹500, waived at ₹1.5 lakh), and a long list of categories — fuel, utilities, insurance, rent, wallets, education, government services and EMI — earns nothing at all.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank ShopRite Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Read more
Guides and reviews related to this card.
RBL Bank ShopRite Credit Card
One of India's better dedicated grocery cards — 5% back on supermarket spend for a ₹500 fee waived at ₹1.5 lakh, a real and recurring saving for the offline-first family. The catch before you apply: the 5% is capped at 1,000 reward points a month (₹5,000 of grocery spend), not uncapped. Within that cap, it's genuinely good. Beyond it, it drops to the base rate — and fuel, utilities, insurance, rent, wallets, education, government services and EMI earn nothing at all.
RBL Bank TVS Gold Credit Card
The mid-tier step-up in RBL's TVS co-brand line — a ₹1,500 card that adds airport-lounge access, EazyDiner dining cashback, quarterly vouchers and a bigger welcome bonus. The base domestic earn is still only about 0.5%, so this is a perk-and-milestone card whose value depends on hitting the spend thresholds.
RBL Bank Paisabazaar Duet Credit Card
A no-annual-fee everyday card (for cards issued after September 2021) that pairs a flat 1% cashback — capped at ₹500 a month — with a built-in Xpress Cash loan line drawn against, not on top of, your credit limit. A sensible lifetime-free backup or first card, provided you know the cashback cap and exclusions.
RBL Bank Cookies Credit Card
A monthly-fee lifestyle card built around three merchants: 10% cashback at Zomato, Myntra and Uber (capped ₹900/month), 5X points on online spends, and a ₹1,000 welcome voucher. Instead of an annual fee it charges ₹100 a month, waived whenever you spent ₹5,000 the previous month. Value lives almost entirely in those three partners.
RBL Bank SalarySe UP Credit Card
A 100% virtual RuPay-on-UPI card built with the SalarySe app, earning 5X reward points (about 1.00% at RBL's stated ₹0.20 per point) on UPI spends routed through the app and a 10X tier on incremental spend. Genuinely useful for UPI-first users — but the rich rates are capped, the card is virtual-only, and it is not the lifetime-free card its app marketing can imply.
RBL Bank BankBazaar SaveMax Credit Card
A genuinely lifetime-free grocery card that earns 5X reward points on supermarket spend. The catch is the maths: 5X at RBL's ~₹0.25 per point is about 1.25% in value, not 5% cashback, the grocery reward caps at 1,000 points a month, and a long list of categories earns nothing. As free upside it works; as a primary card it is thin.
RBL Bank TVS Credit Card
An entry-level TVS co-brand with a low ₹500 fee, a fuel surcharge waiver, a quarterly railway-lounge visit and a buy-one-get-one movie ticket. The rewards themselves are thin — about 0.5% online once you value the points honestly — so treat it as a perk card, not a rewards engine.
RBL Bank Play Credit Card
An entry-level entertainment card built around one recurring benefit — a ₹500 BookMyShow discount every billing month you spend ₹5,000, plus ₹100 off food & beverage. It's a perk card, not a rewards engine: there's no officially published base earn rate, and it isn't lifetime-free — though a BookMyShow-sourced cardholder can waive the fee with 10 bookings a year instead of ₹1.5 lakh of spend. Hold it for the movies and let a cashback card do the everyday work.
RBL Bank Paisabazaar Duet Plus Credit Card
A cashback card twinned with an Xpress Cash loan line: 2.5% on travel and dining, 1% elsewhere, but a hard ₹500/month total cashback ceiling and a ₹1,499 fee that only waives at ₹4 lakh of spend. The credit line, not the cashback, is the real draw.
Best Credit Cards for Grocery Shopping in India 2026
Grocery is one of the largest spend categories for Indian households — yet most cards earn only 1%. The best grocery cards earn 5–10%: HSBC Live+ (10% on quick-commerce), RBL ShopRite (5% at offline supermarkets) and SBI Cashback (5% on all online grocery). This guide ranks the 2026 picks by where you actually shop.
RBL Bank BankBazaar SaveMax Pro Credit Card
The accelerated, paid sibling of the SaveMax: 10X reward points on groceries and 5X on fuel, a 5,000-point welcome, and a two-rung milestone ladder — but each accelerator caps at 1,000 points a month, everyday spend earns only 2X, the ₹1,499 fee has no waiver, and RBL sources the card by invitation only.
RBL Bank Patanjali Vishisht Credit Card
A single-brand loyalty card for Patanjali shoppers: 10% cashback at Patanjali stores on ₹500+ transactions, capped at ₹500 a month. On a low ₹499 RuPay-on-UPI card it quietly pays for itself for a genuine Patanjali household — but off-brand spending earns only a token 1 point per ₹100, so it is a companion, not a primary card.
RBL Bank DMI Finance Credit Card
A fintech co-brand issued to DMI Finance customers through the DMI app, on Mastercard: 2 reward points per ₹100 online and 1 offline, capped at 500 points a billing cycle, with a monthly BookMyShow buy-one-get-one and a fuel surcharge waiver. A convenience card for existing DMI customers rather than a rewards standout.
RBL Bank Patanjali Swarn Credit Card
The premium Patanjali co-brand: 10% cashback at Patanjali (capped ₹750/month), plus four domestic airport-lounge visits a year and a monthly BookMyShow buy-one-get-one, on a RuPay-on-UPI card for ₹1,499. It earns its fee only if you stack all of it — heavy Patanjali spend and the lifestyle perks; lighter buyers should take the cheaper Vishisht.
RBL Bank Binge Credit Card
An entry-level online-and-entertainment card earning 12 reward points per ₹100 on online spends — capped at 800 points a month — over a 1 point per ₹100 base, plus a monthly 1+1 BookMyShow ticket. The online accelerator is a genuinely strong entry-level rate up to the cap, but the complimentary lounge access this card once carried was discontinued in July 2025.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024
- ▼ RewardEffective 15 Oct 2024
More categories excluded from base reward points
Base points on most remaining spends→Nil points on education, government, contracted services, cash, Bills2Pay
From 15 October 2024 RBL widened its bank-wide exclusions: no base reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay, and these plus Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Rental and Wallet stopped counting toward spend-based benefits. On ShopRite this compounds the 2023 cull, further shrinking where the base 1 reward point per ₹100 applies; the capped 5% grocery earn was left in place.
Verification: RBL Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Oct 2024
New 1% fees on large fuel, utility & education spends
No category surcharge on fuel/utility/education→1% on large fuel, high-value utility & third-party education
From 15 October 2024 RBL added a 1% fee on any single fuel transaction over ₹10,000 (capped at ₹3,000 per transaction), 1% on utility spends above ₹50,000 in a month, and 1% on education payments made via third-party apps (Cred, PhonePe, Paytm and similar). These apply to ShopRite like every RBL card, independent of how it earns, and are separate from the standard 1% fuel-surcharge waiver on ₹500–4,000 fuel spends, which continues.
Verification: RBL Bank ↗ · Confidence: High
2023
- ▼ RewardEffective 9 Oct 2023
Reward points removed on utilities, insurance, fuel & more
Base points on most everyday spends→No points on insurance, wallet, fuel, utility, rental, railways, misc.; utilities/insurance/EMI ineligible
Effective 09 October 2023 RBL stopped awarding reward points on Insurance, Wallet loads, Fuel, Utilities, Rental, Railways and Miscellaneous transactions across its reward-point cards, and made EMI, utilities and insurance ineligible. On ShopRite this thins the base 1 reward point per ₹100 on those everyday categories — the card's own terms record utilities, insurance and EMI as non-earning since October 2023; the 5% grocery accelerator was untouched.
Verification: RBL Bank ↗ · Confidence: High
- ◆ LaunchEffective 15 May 2023
ShopRite issued as successor to RBL's discontinued Zomato Edition cards
RBL Bank introduced the Visa ShopRite as a dedicated grocery card and, by 15 May 2023, issued it to existing RBL-Zomato Edition (Classic/Black) holders when that co-brand partnership ended — migrated cardholders received it lifetime-free. Headline earn: 5% on grocery (20 reward points per ₹100, capped 1,000 RP a month ≈ ₹5,000 spend) over a 1 RP/₹100 base, a 2,000-point welcome benefit, 10% off BookMyShow and a 1% fuel-surcharge waiver; joining/annual fee ₹500 + tax, waived on ₹1.5 lakh annual spend. The 2023-05-15 issuance date is documented; ShopRite's original standalone launch date is undocumented.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/rbl-shoprite#value-timeline">RBL Bank ShopRite Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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