RBL ShopRite Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: RBL Bank
Network: Visa | Tier: Entry
The RBL Bank ShopRite Credit Card is an entry-level, value-focused card designed to reward daily household shopping. It features targeted accelerated rewards on groceries, fuel, and movie tickets, all packaged at a very low cost.
Why Choose the RBL ShopRite Credit Card?
The RBL ShopRite Credit Card is a Entry-tier Visa credit card issued by RBL Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Shoppers. With a reward rate of 5% grocery cashback and an annual fee of ₹500, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
RBL ShopRite Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
RBL ShopRite Credit Card Rewards & Benefits
| Reward Rate | 5% grocery cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Shoppers |
Key Highlights of the RBL ShopRite Credit Card
- Shopping cashback
- 5% grocery cashback
RBL ShopRite Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2
- 00
- 000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the RBL ShopRite Credit Card
- Excellent for Grocery Runs: Delivers a highly competitive reward rate on routine supermarket and grocery store visits.
- Fuel Point Accumulation: Unlike most standard credit cards that only waive the fuel surcharge
- this card actually lets you earn regular reward points on fuel spending.
- Easy Annual Fee Waiver: The renewal fee is completely waived if you hit a very modest annual spend milestone of just ₹1
- 00
- 000.
- Value for BookMyShow Users: The recurring 10% movie discount is highly practical for casual entertainment seekers.
- Accessible Approval: Simple eligibility criteria make it an excellent choice for individuals building up an initial credit profile.
Drawbacks of the RBL ShopRite Credit Card
- Capped Accelerated Points: The accelerated reward points for both groceries and fuel are strictly capped at 1
- 000 bonus points per monthly billing cycle.
- Low Baseline Reward Rate: Outside of the grocery
- fuel
- and movie categories
- everyday spending earns a low base rate of just 1 Reward Point per ₹100.
- Low Point Value: The financial redemption value of the accumulated points is relatively low (1 Reward Point = ₹0.25).
- Completely Lacks Lounge Access: The card does not include any complimentary domestic or international airport lounge access visits.
- High Forex Markup Fee: Standard international transactions carry a high foreign currency markup fee of 3.5%.
RBL ShopRite Credit Card — Frequently Asked Questions
What is the annual fee of the RBL ShopRite Credit Card?
The RBL ShopRite Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the RBL ShopRite Credit Card offer airport lounge access?
No, the RBL ShopRite Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the RBL ShopRite Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the RBL ShopRite Credit Card?
The RBL ShopRite Credit Card earns 5% grocery cashback. It is best suited for Shoppers.
Credit Cards Similar to the RBL ShopRite Credit Card
If you are considering the RBL ShopRite Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- IDFC FIRST Millennia Credit Card by IDFC First Bank — rated 4.4/5, NIL annual fee
Expert Rating: 4.4/5