RBL Bank Shoprite Credit Card
RBL Bank · Mastercard
Why this card?
- 5% cashback on groceries, up to ₹250 a month; 0.25% on other spends
- ₹500 joining and annual fee; renewal fee waived on ₹1.5 lakh yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- RBL Bank
- Network
- Mastercard
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- cashback
- Best Reward Rate
- 5% on groceries (capped at ₹250/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
RBL Shoprite is a straightforward grocery rewards card — 20 reward points per ₹100 on groceries (worth up to 5%, capped at about ₹250 a month) makes it a decent companion card for household essentials. At ₹500/year, waived on ₹1.5 lakh annual spend, it's a low-maintenance card worth holding if you spend around ₹5,000 a month at supermarkets.
Pros
- 5% back as reward points on groceries — strong dedicated earn rate, capped at about ₹250 a month
- Fee waived at ₹1.5 lakh annual spend — ₹12,500/month, achievable for active users
- Fuel surcharge waiver on ₹500–₹4,000 transactions, up to ₹100 a month
Cons
- Narrow benefit structure — limited utility beyond grocery spends
- No lounge, no travel benefits, and a 3.5% forex markup
- RBL Bank has had intermittent card issuance headwinds — check current availability