RBL Bank ShopRite Credit Card
RBL · VISA★ 3.8/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap to flip
Key features
What this card is built to do — the highlights that actually matter.
5% on Groceries
5% cashback on grocery spends
2% on Other
2% cashback on other spends
Annual Fee Waiver
Fee of ₹500/yr fully waived when you spend ₹1,00,000/year
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
grocery cashback
2.0%
Base rate (all other spends)
- 5.0% cashback on grocery
- 2.0% on all other spends — no restrictions
Anita does all her grocery shopping at Big Bazaar and other supermarkets. RBL ShopRite gives her 5% cashback on all grocery spends — her ₹6,000/month grocery spend earns ₹3,600/year on a lifetime-free card. She also earns 2% on other spends and gets a 1% fuel surcharge waiver.
Who is this for?
For households where grocery is the dominant spend category and shopping is done offline at supermarkets. The 5% grocery cashback with no fee and no cap is genuinely the best grocery card in India for physical store shoppers.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | cashback | 5% | — |
| Other | cashback | 2% | — |
| Fuel | cashback | 1% | — |
Groceries: 5% cashback on grocery spends
Other: 2% cashback on other spends
Fuel: 1% cashback on fuel
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver up to ₹500/month
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Groceries (5% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Beyond groceries the card is bare — no lounge, thin base earn — so it works as a category specialist, not a primary.
Bottomline
CardAdvisor Rating: 3.8 / 5ShopRite is the best supermarket card in India and somehow still free — 5% on groceries with no cap is a standing 5% discount on a category every household spends on. Offline-first families should treat this as essential kit.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the RBL Bank ShopRite Credit Card are taken from RBL's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Similar & related cards
Other cards worth comparing before you apply.
Standard Chartered Smart Credit Card
Comparable SC option
RBL Bank Fun+ Credit Card
Lifetime-free alternative
AU Altura Credit Card
Lifetime-free alternative
Axis Bank ACE Credit Card
Lifetime-free alternative
HDFC PIXEL Play Credit Card
Lifetime-free alternative
Axis Bank Neo Credit Card
Lifetime-free alternative
Want to know if this beats your current card for your spending?