RBL Bank Shoprite Credit Card Review
The RBL Shoprite is a focused grocery rewards card — its whole pitch is accelerated points on supermarket and grocery spends, where most households spend predictably every month. At a low ₹500 fee (waivable), it can return solid value if groceries are a big line in your budget, though the monthly cap and weak base rate keep it a specialist rather than an all-rounder. Here’s the verified review.
- ~5% value back on groceries (20 points per ₹100)
- Low ₹500 fee, waived at ₹1.5 lakh annual spend
- 10% off on BookMyShow movie tickets
- 1% fuel-surcharge waiver
- Predictable value for grocery-heavy households
- Grocery rewards capped at 1,000 points/month (~₹5,000 grocery spend)
- Weak base rate outside groceries
- No lounge access
- ~3.5% forex markup
- Points redeemed via a separate rewards portal
- Value collapses if groceries aren’t a big spend for you
Fees & charges
| Item | Charge |
|---|---|
| Joining / annual fee | ₹500 + GST — waived on ₹1.5 lakh annual spend |
| Grocery rewards | 20 points per ₹100 (~5%), capped 1,000 points/month |
| Movies | 10% off BookMyShow tickets |
| Forex markup | ~3.5% |
| Fuel surcharge waiver | 1% on ₹500–₹4,000 (max ₹100/month) |
Eligibility & documents
Income
Minimum ~₹3 lakh annual (ITR)
Profile
Salaried or self-employed
Recommended CIBIL
~720+ improves approval odds
Network
Visa
Credit limit
Set by RBL based on profile
Documents
PAN, Aadhaar, income proof, address proof
Rewards structure — the real math
- Groceries (~5%): 20 reward points per ₹100, capped at 1,000 points a month — so the accelerated value tops out at roughly ₹5,000 of grocery spend per month.
- Other spends: a modest base earn — this is not where the card shines.
- Movies: 10% off BookMyShow tickets.
A household spending ₹5,000/month on groceries maxes the cap and earns ~₹250/month (~₹3,000/year) — comfortably beating the ₹500 fee. Beyond ₹5,000/month, grocery spend drops to the base rate, so it rewards steady, moderate grocery use rather than very heavy spend.
Usage terms & fine print
Grocery cap
1,000 points/month (~₹5,000 grocery spend).
Redemption
Via rblrewards.com.
Movies
10% off BookMyShow.
Lounge
None.
Forex
~3.5% markup.
Fee waiver
₹500 waived at ₹1.5 lakh annual spend.
Compared with alternatives
SBI SimplySAVE →
10× on groceries/dining/movies/department stores — broader everyday categories.
HDFC MoneyBack+ →
10X on BigBasket/Reliance plus Amazon/Flipkart/Swiggy.
Cashback SBI →
5% on online groceries (BigBasket etc.) with no category tracking.
Axis ACE →
Flat cashback base card to pair with a grocery specialist.
If you buy groceries largely offline at supermarkets, Shoprite’s ~5% is strong; if you shop groceries online (BigBasket), a card like MoneyBack+ or Cashback SBI may serve you better. Pair Shoprite with a flat base card for non-grocery spend.
Who this card is for
- Best fit: households with steady ~₹5,000/month grocery spend who want a cheap dedicated grocery card.
- Best fit: moviegoers who’ll use the BookMyShow discount.
- Skip if: groceries are a small part of your spend, or you shop groceries online.
How to apply & how to cancel
Apply: via rblbank.com or the RBL app. Eligibility is accessible.
Cancel: call RBL customer care or request closure after clearing dues; redeem points via rblrewards.com before closing.
Final verdict
The RBL Shoprite is a tidy, low-fee grocery card that pays a genuine ~5% on supermarket spends, plus a movie discount and fuel waiver. The 1,000-point monthly cap and weak base rate keep it a specialist, so it’s best held alongside a flat-cashback base card. For a grocery-heavy household that shops offline, it’s an easy way to claw back a few thousand rupees a year; for online grocery shoppers, a broader online card is usually better.
Frequently asked questions
How much does the RBL Shoprite earn on groceries?
20 reward points per ₹100 (~5% value back), capped at 1,000 points a month — roughly ₹5,000 of grocery spend at the cap.
What is the annual fee?
₹500 + GST, waived on ₹1.5 lakh annual spend.
Does it have movie or fuel benefits?
Yes — 10% off BookMyShow tickets and a 1% fuel-surcharge waiver (₹500–₹4,000, max ₹100/month).
Does it offer lounge access?
No — there’s no airport lounge access.
Is it good for online grocery shopping?
It’s geared to grocery spends generally; if you mostly buy groceries online, compare HDFC MoneyBack+ or Cashback SBI.
Data current as of June 2026 and cross-checked against RBL Bank’s official page and independent aggregators. Rates, caps and benefits change periodically — always confirm current terms on rblbank.com before applying.