RBL Bank
RBL Bank ShopRite Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
2,000 Reward Points on first purchase within 30 days
Product Highlights
- Lifetime free credit card
- 2,000 bonus Reward Points as a Welcome Benefit
- 10% discount on movies through Bookmyshow
Category Rewards
grocery
20X RP on Grocery
20X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Bookmyshow
10% Discount(Up to ₹100, 15 times a year)
Reward Calculator
Earns ₹1,510/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
8.4K
RBL Reward Points
₹2.1K
via standard · ₹0.25/pt
Effective rate
1.35%
Annual fee
₹590
Year 1 net
+₹1,510
Year 2+ net
+₹1,510
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
20X RP on Grocery
Headline: 5.00% effective
₹250/month ÷ 5.00% = ₹5,000 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, emi, cash advance, rent, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 1 Reward Point for every ₹100 spent on retail purchases and 20 Reward Points for every ₹100 spent on grocery purchases. Get a 10% discount (up to ₹100) on movies through Bookmyshow 15 times a year.
- 1 RP = ₹0.25
Benefits & Features
10% discount on movie tickets through Bookmyshow
Pros & Cons
Pros
- Lifetime free annual fee
- High reward rate on grocery purchases
- Discount on movie tickets
Cons
- Limited to grocery and retail spends
- Redemption fee applies
- No lounge access
Additional Info
Lifetime free card is ideal for first-time cardholders
Maximum savings on grocery shopping
Maximum of 1,000 Reward Points per month for grocery spends
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks