RBL Bank ShopRite Credit Card
Best for: households that want 5% value back on groceries from a low-fee card with a reachable waiver.
Why it ranks
- Low fee with a reachable waiver
- Solid grocery rate for small households
- Movie discount adds occasional value
What holds it back
- The grocery cap limits the 5% rate to ₹5,000 of spend a month
- ₹99 + GST fee each time you redeem points
- Low 1 point per ₹100 on other spends
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The RBL Bank ShopRite Credit Card gives 5% value back on groceries, capped at 1,000 points a month, and 1 point per ₹100 elsewhere. The ₹500 fee is waived on ₹1.5 lakh annual spend, and each redemption costs ₹99 plus GST.
RBL Bank ShopRite Credit Card at a glance
| Issuer | RBL Bank |
| Card network | Mastercard, Visa or RuPay |
| Annual fee | ₹500 + GST (waived on ₹1.5 lakh annual spend) |
| Welcome bonus | 2,000 Reward Points on meeting the issuer's conditions |
| Rewards rate | 20 Reward Points per ₹100 on grocery (5% value back at up to ₹0.25 a point), up to 1,000 points a month; 1 Reward Point per ₹100 on other eligible spends |
| Intro APR | None |
| Regular APR | Up to 3.99% a month (47.88% a year) |
| Foreign transaction fee | 3.5% markup |
| Airport lounge access | None |
| Credit needed | See issuer |
| Best for | Households that want a low-fee card for monthly grocery spending |
Key features
- 5% value back on grocery, capped at 1,000 points a month
- 10% off BookMyShow movie tickets, up to ₹100, 15 times a year
- 1% fuel surcharge waiver on ₹500 to ₹4,000 transactions, up to ₹100 a month
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: rbl.bank.in · webassets.rbl.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | RRBL BankShopRite₹500/yr · IN RBL Bank ShopRite Credit CardHouseholds that want a low-fee card for monthly grocery spending |
₹500/yr | 20 Reward Points per ₹100 on grocery (5% value back at up to ₹0.25 a point), up… | 2,000 Reward Points on meeting the issuer's conditions | 3.5% markup | See issuer | |
| 2 | AEAmerican ExpressMembership Rewards₹4,500/yr · IN American Express Membership Rewards Credit CardDisciplined spenders who hit monthly milestones for bonus points |
₹4,500/yr | Around 1 point per Rs.50, boosted by milestones | 4,000 Membership Rewards points on spending Rs.15,000 in 90… | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | AAxis BankPrivilegeNo annual fee · IN Axis Bank Privilege Credit CardMid-level spenders who want EDGE points, a milestone bonus and domestic lounges |
None | 10 EDGE REWARD points per ₹200 spent in India or abroad; 10,000 bonus points (wo… | 12,500 EDGE REWARD points (worth ₹2,500) only when a joining… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; i… | |
| 4 | SSBI CardSBI SimplySAVE₹499/yr · IN SBI SimplySAVE Credit CardEveryday spenders who want simple rewards on essentials |
₹499/yr | Around 2.5% on bonus categories, 0.25% base | 2,000 bonus Reward Points on spending Rs.2,000 in 60 days | 3.5% markup on foreign cur… | Fair to Good |
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