RBL Bank ShopRite credit card
RBL BankVisaEntry-level

ShopRite credit card

5% value on grocery spends and movie discounts for a ₹500 fee.

35
Personal score35/100● Weak fit
Recurring net savings₹3,019/yrafter fee, GST and caps · bills paid in full
First-year value₹2,429no welcome offer, ₹590 joining fee
Effective savings rate0.9%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹1,50,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: RBL Bank – ShopRite product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,160/yr20 points/₹100 on grocery (cap 1,000 pts/mo)
Waived₹590 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹3,019/yr · 0.9%
20 points/₹100 on grocery (cap 1,000 pts/mo)on ₹43,200₹2,160
Base rate 0.25% on other spendson ₹1,99,440₹499
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹3,019/yr is calculated
ShopRite
+ Reward value on your spendat ₹0.25/RBL Reward Points realistic value
₹2,659
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹1,50,000 spend
₹0
= Recurring net savings
₹3,019/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
0.9%

How the score of 35 is built

weights total 100% · methodology
Net savings rate19/100 × 55%10.3
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated5% 20 points/₹100 on grocery
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹1,50,000 spend · joining ₹500
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/RBL Reward Points ★★★☆☆1 point = ₹0.25.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waivermovies10% off BookMyShow up to ₹100 a month
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Grocery focused
  • Cheap
  • Movie discount
  • ₹250/month grocery cap
  • 0.25% base
  • No lounge

Community Q&A on the ShopRite

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the RBL Bank ShopRite?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,50,000 in the card year.

Does the ShopRite give airport lounge access?

No lounge access. None.

How much can I save with the ShopRite?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,019 a year, an effective savings rate of 0.9% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the ShopRite's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 20 points/₹100 on grocery (cap 1,000 pts/mo): capped at ₹250 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: ShopRite lounge access by airport · all RBL Bank cards · change log.