The RBL Shoprite Credit Card is a budget-friendly option for shopping, groceries, and entertainment spends. It offers rewards in the form of points and discounts with partner brands. With an annual fee of ₹500, it’s a decent choice for beginners or those looking for a secondary card.
📌 Quick Snapshot:
✔ 5% value back on grocery spends
✔ 10% discount on BookMyShow (up to ₹100, 15 times/year)
✔ 2,000 welcome reward points on joining fee payment
✔ Fuel surcharge waiver (₹500–₹4,000 transactions, max ₹100/month)
✔ Annual fee waiver on spends of ₹1 Lakh+ in a year
RBL Bank has discontinued its Edition Credit Card, migrating all users to the Shoprite Card. RBL Shoprite Credit Card Existing lifetime-free Edition Cardholders will receive the Shoprite Card without annual fees. However, since the Shoprite Card lacks dining benefits (unlike the Zomato-linked Edition Card), some users may find it less appealing.
Key Features & Benefits
1. Rewards & Cashback
| Category | Reward Rate | Remarks |
|---|---|---|
| Groceries | 5% value back (20 RP/₹100) | Max 1,000 RP/month |
| Fuel | 2.5% value back (10 RP/₹100) | Discontinued from Sep 2022 |
| Other Spends | 1 RP/₹100 | All non-fuel transactions |
2. Entertainment & Lifestyle Perks
🎬 BookMyShow Discount:
- 10% off on movie tickets (max ₹100 discount, 15 times/year).
⛽ Fuel Surcharge Waiver:
- 1% waiver on fuel spends between ₹500–₹4,000 (max ₹100/month).
3. Fees & Waivers
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Renewal Fee Waiver | Spends ₹1L+ in a year |
Is the RBL Shoprite Credit Card Worth It?
✅ Good for:
- Beginners with moderate spending
- Grocery & entertainment lovers
- Those seeking a low-fee credit card
❌ Not Ideal for:
- Heavy fuel spenders (rewards discontinued)
- Dining & travel enthusiasts
- Users with premium cards (e.g., HDFC Regalia, SBI Prime)
Reward Comparison: Shoprite vs. Competing Cards
| Spend Category | RBL Shoprite | SBI SimplySAVE | StanC Manhattan |
|---|---|---|---|
| Groceries (₹10K) | 1,000 RP (capped) | 667 RP | ₹500 cashback |
| Fuel (₹8K) | ❌ No rewards | ❌ No rewards | 160 RP |
| Movies (₹2K) | 20 RP | 133 RP | 40 RP |
| Dining (₹5K) | 50 RP | 333 RP | 100 RP |
| Other Spends (₹2K) | 20 RP | 13 RP | 40 RP |
| Total (₹40K) | 1,140 RP | 1,712 RP | ₹900 + 440 RP |
💡 Verdict: If you want better cashback, consider Standard Chartered Manhattan or Airtel Axis Bank Card.
Alternate Credit Cards (2025)
| Card | Annual Fee | Best For |
|---|---|---|
| SBI SimplySAVE | ₹499 | 10X rewards on dining, movies |
| StanC Manhattan | ₹999 | 5% cashback on groceries |
| Airtel Axis Card | ₹500 | 10% off on BigBasket, Swiggy |
| ICICI Amazon Pay | Lifetime Free | 5% cashback on Amazon |
| Amex SmartEarn | ₹495 | 10X rewards on Flipkart/Amazon |
Fees & Charges
- Interest Rate: 3.5% per month (~42% p.a.)
- Late Payment Fee: Up to ₹1,000
- Cash Advance Fee: 2.5% (min ₹300)
- RBL Shoprite Credit Card
Top 10 FAQs – RBL Shoprite Credit Card (2025)
1. Is the RBL Shoprite Credit Card lifetime free?
✅ Answer: No, it has an annual fee of ₹500, but migrated Edition Cardholders (previously lifetime-free) get it without fees.
2. What are the reward points for grocery spends?
🛒 Answer: Earn 5% value back (20 reward points per ₹100) on groceries, capped at 1,000 RP/month on RBL Shoprite Credit Card
3. Does this card offer fuel surcharge waiver?
⛽ Answer: Yes! 1% waiver on fuel spends between ₹500–₹4,000 (max ₹100/month).
4. Are there any movie ticket discounts?
🎬 Answer: Yes! 10% discount (up to ₹100) on BookMyShow, 15 times per year.
5. How to waive the annual fee?
💳 Answer: Spend ₹1 lakh or more in the previous year to get the annual fee reversed.
6. Why were Edition Cardholders moved to Shoprite?
🔄 Answer: RBL Bank discontinued the Edition Card (Zomato dining benefits) and shifted users to Shoprite (focused on groceries/entertainment).
7. Can I redeem rewards for cashback?
💰 Answer: Yes! Redeem points via RBL MyCard portal for vouchers, cashback, or statement credit.
8. What is the interest rate on unpaid dues?
📉 Answer: 3.5% per month (~42% annual rate). Always pay bills on time!
9. Does this card provide airport lounge access?
✈️ Answer: No, the Shoprite Card has no travel benefits.
10. Is it better than SBI SimplySAVE or StanC Manhattan?
🔍 Answer:
- For groceries: StanC Manhattan (5% cashback) wins.
- For dining/movies: SBI SimplySAVE (10X rewards) is better.
- For low fees: Shoprite is decent for beginners.
Final Recommendation
- Keep it if: You’re a light spender or use it for groceries/movies.
- Switch if: You need fuel rewards, travel perks, or dining benefits.
- RBL Shoprite Credit Card
