The RBL Bank Shoprite Credit Card is ideal for individuals who frequently make purchases, spend on fuel, and enjoy entertainment. This card provides value-back through reward points and direct discounts with specific brands. Priced at an annual fee of Rs. 500, it's a suitable option for those who are new to credit cards and looking for a cost-effective choice.
As RBL Bank has discontinued its Edition Program, all RBL Bank Edition Cardholders were moved to RBL Shoprite Credit Card. Customers who owned the lifetime-free variant of Edition Card will also get the Shoprite Card lifetime-free. While Edition Card was a dining focused credit card launched with Zomato, Shoprite does not offer any dining benefits. As a result, many cardholders are dissatisfied with the transition. If you are also confused whether you should continue using this card or switch to a different option, here is a detailed review of its features.
Key Highlights of RBL Bank Shoprite Credit Card |
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Best Suited For | Entertainment, Grocery, Rewards |
Joining Fee | Rs. 500 |
Annual Fee | Rs. 500 |
Welcome Benefit | Get 2,000 Bonus Reward Points on Joining. |
Movie Benefits | Get a 10% Discount on Movie Tickets |
Reward Benefits | Earn 1 reward point for every INR 100 spent on your purchases except Fuel, Railways, Utility, Rental and Miscellaneous categories* |
Best Feature | Avail 5% Value Back on Grocery Spending |
*Terms and conditions apply.
Table Of Contents | ||
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Features and Benefits | ||
Fees and Charges | ||
Eligibility & Documentation | ||
Similar Credit Cards from Other Banks | ||
Should you get this card? | ||
FAQs |
Welcome Benefit: When you pay the joining fee for this card, you'll receive a welcome gift of 2,000 reward points.
Value Back: Cardholders can earn value back on groceries and fuel at the following rates:
Suggested read: Best Fuel Credit Cards in India
Movie Benefits: You can enjoy a 10% discount (up to Rs. 100) on movie tickets at BookMyShow, and this offer can be used 15 times a year.
Reward Points: For all purchases, except fuel, you earn 1 Reward Point for every Rs. 100 spent.
Suggested read: Best Credit Cards For Reward Points
Fuel Surcharge Waiver: You receive a fuel surcharge waiver at all fuel stations for transactions between Rs. 500 and Rs. 4,000, with a maximum surcharge cap of Rs. 100 per month.
Annual Fee Reversal: If you spend Rs. 1 lakh in the previous year, you can have your annual fee reversed.
Titles | Details |
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Annual Fee | Rs. 500 |
Finance Charges | Up to 3.99% p.m. (47.88% p.a.) |
Late Payment Charges | 12.5% of the outstanding amount (Min. Rs. 5 | Max. Rs. 1,300) |
To apply for the RBL Shoprite Bank Credit Card, applicants should meet the following eligibility criteria:
Criteria | Details |
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Occupation | Salaried and Self-Employed |
Minimum Income for Salaried Applicants | Greater than Rs.45,000 per month |
Minimum Income for Self-Employed | Greater than Rs.45,000 per month |
Serviceable Cities | Click here for the list of eligible cities |
Along with the duly filled application form, RBL Bank will also ask for valid proof of identity, address and income. Documents Required for RBL Bank Credit Card
Below mentioned is a comparison of a few similar credit cards:
Credit Cards | Annual Fee | Comparative Feature* |
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SBI SimplySAVE Credit Card | Rs. 499 | 10X reward points on groceries, departmental stores, dining and movies |
Standard Chartered Manhattan Platinum Credit Card | Rs. 999 | 5% cashback on groceries and departmental store spends |
Airtel Axis Bank Credit Card | Rs. 500 | 10% cashback on BigBasket up to Rs. 500 per month |
ICICI Amazon Pay Credit Card | Nil | 5% cashback on all Amazon Spends for PRIME Members and 3% for non-PRIME members |
American Express SmartEarn Credit Card | Rs. 495 | 10X Membership Rewards® Points on your spending on Flipkart, Amazon and Uber |
*T&C Apply
The RBL Shoprite credit card is a good choice for beginners, especially if you want benefits on groceries and entertainment. But if you already have a credit card like HDFC Regalia or SBI Card PRIME with better rewards, this card may not offer much additional value.
RBL Bank Edition Cardholders who have been moved to the Shoprite Card should see whether this card offers benefits on a category that are not covered by their existing credit cards. For example, if you have a fuel credit card like BPCL SBI Card or a card that offers benefits on groceries such as Standard Chartered Manhattan Credit Card, you should consider switching to a different RBL Card that better aligns with your requirements. Also, as it is a lifetime-free card, you can keep the card account open as it would help lower your CUR and help you maintain a good credit score.
Transaction | Amount (in Rs.) | Reward Points on RBL Shoprite | Reward Points on SBI SimplySAVE | Reward Points on StanC Manhattan |
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Online Grocery Spends | Rs. 10,000 | 1,000 (maximum cap) | 667 | Rs. 500 |
Departmental Store Spends | Rs. 8,000 | 0 (as the maximum cap has already been reached) | 533 | Rs. 400 |
Fuel | Rs. 8,000 | 0 | 0 | Rs. 160 |
Movie Tickets | Rs. 2,000 | 20 | 133 | Rs. 40 |
Dining | Rs. 5,000 | 50 | 333 | Rs. 100 |
Apparel | Rs. 5,000 | 50 | 33 | Rs. 100 |
Other Offline Spends | Rs. 2,000 | 20 | 13 | Rs. 40 |
Total | Rs. 40,000 | 1,140 points | 1,712 points | Rs. 900 cashback + 440 points |
Since the fuel benefit on RBL Shoprite has also been discontinued from May 2024, this card only holds value for beginners who may not be eligible for better cards. As we can see from the comparison above, Standard Chartered Manhattan Credit Card would be a much better choice.
When booking your movie tickets on BookMyShow's payment page, just go to the "Offers and Discounts" section and choose the RBL Bank 10% discount option. This will automatically apply the discount to your total movie bill.
The RBL Shoprite credit card is an excellent choice for your day-to-day shopping, especially for groceries. You can receive up to 5% value back on all your grocery expenses, with a maximum of 1000 reward points in a month.
The annual fee of this credit card is Rs.500 plus applicable taxes
Please click the links below to find details and instructions related to RBL Bank Credit Cards that can help you in easily managing your card: