RBL Bank Shoprite Credit Card
- Best For: Lifestyle
- Earn 20 reward points
- Amazing Discount on merchant
- Get 10% discount (Upto Rs 100)
- Earn 1 reward point
- Fuel surcharge waiver
The RBL Bank ShopRite Credit Card is a popular entry-level credit card in India designed to meet the daily spending needs of individuals and families. With rising expenses on groceries, fuel, and utility bills, many people are looking for a card that gives them rewards or cashback on regular purchases. The ShopRite Credit Card aims to do exactly that—offering attractive rewards on grocery shopping, cashback on utility payments, and benefits like fuel surcharge waiver.
This card is ideal for people who frequently shop for household items and want to save a little extra on their daily spending. With an annual fee of ₹500 (which can be waived on spending ₹1 lakh per year), it is affordable and accessible. The card provides 20 reward points for every ₹100 spent on groceries and a 5% cashback on utility bills paid through the RBL MyCard app, which can be a good way to earn savings over time.
Overall, the ShopRite Credit Card is best suited for those who are new to credit cards or want a simple card focused on everyday purchases. It may not offer luxury or travel benefits, but it does a good job for those with practical spending needs.
About RBL Bank Shoprite Credit Card
- Earn 20 reward points for every Rs 100 spent on Grocery shopping (1 RP – Rs 0.25)
- Amazing Discount on merchant websites like Tata Cliq, Zomato, Swiggy, Zepto and more
- Earn 1 reward point for every Rs 100 spent on other purchases
- Get 10% discount (Upto Rs 100) on movie tickets on BookMyShow – 15 times a calendar year
- Fuel surcharge waiver at all fuel stations for transactions between Rs 500 and Rs 4000 (Max monthly Waiver – Rs 100
Fees & charges
- Joining Fee: Lifetime FREE
- Annual Fee: Nil
- Fee of Rs 99 + GST is charged for redeeming reward points on RBL Bank Credit Cards
Pros
- Recovery of the joining fee in the form of 2000 Reward Points as a welcome bonus.
- Availability of fuel surcharge waiver every month.
- 20 Reward Points received directly for every ₹100 grocery spend.
Cons
- A cap of 1000 reward points on groceries per month.
- Only 1 reward point available per ₹ 100 spend.
- To avail of the welcome benefits, users must fulfil the terms and conditions.
- Fuel-based linked reward points are not available anymore.
Conclusion
The RBL ShopRite Credit Card is a good choice if you often shop for groceries and pay utility bills. It helps you earn rewards and cashback on daily spending. The card is affordable, and the benefits are easy to use. However, it doesn’t have travel or luxury perks. If you want a basic credit card for everyday use, this card can be a useful option.
Eligibility Criteria
- Required Age: 21 – 65 years
- Employment status: Both Salaried and Self-Employed individuals are eligible
- Income: Minimum monthly income of Rs 15,000
- Self-Employed: Minimum income as filed in ITR Rs 2 lac/year
- Credit score: Minimum credit score of 720+
- New to Credit: Not Allowed
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar Authentication is required at the time of KYC
Frequently Asked Questions
1. What is the foreign currency charge on the RBL ShopRite credit card?
The foreign currency markup fee is usually around 3.5% of the transaction amount. This means if you use your card outside India or on international websites, you will be charged an extra 3.5% for currency conversion.
2. What if my card is lost/stolen?
If your card is lost or stolen, you should call RBL Bank’s customer care immediately to block the card and prevent misuse. You can also block it using the RBL MyCard app. After that, you can request a replacement card.
3. How can I redeem my reward points with this credit card?
You can redeem your reward points by logging into the RBL Rewards portal or through the RBL MyCard app. Points can be used for shopping, gift vouchers, mobile recharges, and more, depending on what’s available in the rewards catalogue.
