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Last updated: 01-06-2026
RBL Bank Shoprite Credit Card
RBL Bank

RBL Bank Shoprite Credit Card

"Best lifetime-free grocery card โ€” 5% value back on all grocery spends and 10% off on BookMyShow movies with zero annual fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free (apply via BankBazaar; โ‚น500 on direct application โ€” check current offer on RBL Bank website)
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: Annual fee waived on spending โ‚น1.5 lakh or more in the membership year if โ‚น500 fee applies
๐ŸŽฏ Best Suited For
Grocery shoppers wanting maximum rewards on supermarket purchases; movie-goers who book via BookMyShow; entry-level card seekers wanting a no-fee card from RBL Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; 5% value back on grocery = 20 RPs per โ‚น100)
๐ŸŽ‰ Welcome Benefit
2,000 bonus Reward Points on first transaction within 30 days of card issuance (worth โ‚น500) โ€” must use card within 30 days
๐Ÿ’ฐ Reward Rate
20 RPs per โ‚น100 on grocery spends (5% value back) โ€” capped at 1,000 RPs per month (max โ‚น250 per month cashback equivalent); 1 RP per โ‚น100 on all other eligible retail spends (0.25%); excludes fuel, utilities (from October 2023), insurance, EMI, government, wallet loads
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
๐Ÿ’ต Cashback Rate
5% on groceries (as RPs worth โ‚น0.25 each); 10% off on movie tickets at BookMyShow
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โœ… Pros
  • Lifetime free โ€” zero joining and annual fee
  • 5% value back on all grocery purchases
  • 10% off on BookMyShow movies (15 times per year = โ‚น1,500 max)
  • 2,000 bonus RPs worth โ‚น500 on first transaction
  • Good entry-level grocery and movie card
โŒ Cons
  • Grocery RP cap at 1,000 per month = only โ‚น250 max cashback on grocery per month
  • No airport lounge access
  • High forex markup 3.5%
  • High interest rate 3.99% per month
  • Utilities excluded from rewards since October 2023
  • Redemption fee โ‚น99

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; 5% value back on grocery = 20 RPs per โ‚น100)
Welcome Benefits
2,000 bonus Reward Points on first transaction within 30 days of card issuance (worth โ‚น500) โ€” must use card within 30 days
Reward Rate
20 RPs per โ‚น100 on grocery spends (5% value back) โ€” capped at 1,000 RPs per month (max โ‚น250 per month cashback equivalent); 1 RP per โ‚น100 on all other eligible retail spends (0.25%); excludes fuel, utilities (from October 2023), insurance, EMI, government, wallet loads
Reward Redemption
RBL Rewards portal (rblrewards.rbl.bank.in): cashback, air miles, hotel bookings, merchandise, vouchers; redemption fee โ‚น99 + GST per transaction; 1 RP = โ‚น0.25
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น500 to โ‚น4,000; maximum โ‚น100 per month
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น1.5 lakh spend if applicable
Milestone Benefits
Annual fee waiver on โ‚น1.5L spend if applicable; 2,000 bonus RPs on activation
Other Benefits
10% discount on BookMyShow movie tickets (up to โ‚น100 per booking, valid 15 times per year โ€” total max โ‚น1,500 in movie savings); fuel surcharge waiver; contactless payments; EMI conversion; NCMC feature on RuPay variant

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
5% grocery value back; 10% BookMyShow discount (15 times per year = โ‚น1,500 max); 2,000 bonus RPs on activation

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free (apply via BankBazaar; โ‚น500 on direct application โ€” check current offer on RBL Bank website)
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: Annual fee waived on spending โ‚น1.5 lakh or more in the membership year if โ‚น500 fee applies
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
Up to 3.99% per month (47.88% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
15% of total amount due, minimum โ‚น50, maximum โ‚น1,500
Over Limit Charges
As per RBL Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Grocery cap 1,000 RPs per month = max โ‚น250 cashback on โ‚น5,000 grocery spend; redemption fee โ‚น99 + GST; utilities excluded from rewards since October 2023; verify current lifetime free status on RBL Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; Indian resident; salaried or self-employed; minimum monthly income โ‚น15,000+; good credit history
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and RBL Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per RBL Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via RBL MyCard app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on fraudulent transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 121 9050 and 022-6232 7777 (24x7)
Chat / Email Support
Chat via RBL Bank website; email support
Mobile App
RBL MyCard app: manage card, track RPs, pay bills, redeem rewards
Online Banking
Full management via RBL Bank website and MyCard app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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