The RBL Bank Shoprite Credit Card is a simple, lifetime free card with one standout feature: 20 reward points per ₹100 on groceries, which works out to about 5% back. Add a BookMyShow discount you can use 15 times a year and offers on food and shopping apps, and it is a handy second card for household spending.
How the rewards work
| Where you spend | Earn rate | Value (1 point = ₹0.25) |
|---|---|---|
| Grocery shopping | 20 points per ₹100 | About 5% |
| All other purchases | 1 point per ₹100 | About 0.25% |
Good to know: each points redemption costs ₹99 + GST, so let your points build up and redeem in one go. The scraped details do not mention a monthly cap on grocery points, so check the latest terms for any limit.
What you would actually earn
Spend ₹8,000 a month on groceries and you earn 1,600 points, worth about ₹400 a month or ₹4,800 a year. Put another ₹5,000 a month of other spends on it and you add about ₹150 a year. Redeem once or twice a year and the ₹99 fee barely dents your rewards. Since there is no annual fee, that is all net value.
The grocery rate is what makes this card worth holding. Most lifetime free cards pay well under 1% on everyday spending, so 5% on a category every household spends on each month is unusual. Use it at the supermarket or for grocery orders, and keep another card for categories it does not reward well.
Other benefits
- Movies: 10% off BookMyShow tickets, up to ₹100, 15 times a calendar year.
- Partner offers: discounts on Tata CLiQ, Zomato, Swiggy, Zepto and other merchant websites.
- Fuel: surcharge waiver at all fuel stations on transactions of ₹500–₹4,000, up to ₹100 a month.
Fees and charges
| Joining fee | Free (lifetime free) |
|---|---|
| Annual fee | Free |
| Reward redemption fee | ₹99 + GST per redemption |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹15,000 a month |
| Income (self-employed) | ITR of ₹2 lakh a year |
| Credit score | 720 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar authentication during KYC
How to apply
- Tap Apply on RBL Bank site on this page to open RBL Bank’s credit card application.
- Fill in the required details and complete Aadhaar authentication for KYC.
- Submit the application and take a screenshot of the confirmation page for your records.
- Once approved, activate the card and use it for your next grocery run.
RBL Bank asks for Aadhaar authentication during KYC, so make sure the mobile number linked to your Aadhaar is active and with you when you apply. Keep your PAN handy too, as it is needed for identity verification.
Who should get it, and who shouldn’t
Get it if you spend a few thousand rupees a month on groceries and want a free card that rewards that spending well. The ₹15,000 income bar makes it accessible to many salaried workers.
Skip it if you want one card for everything. Outside groceries it earns only about 0.25%, so pair it with a general cashback card for other spending. It is also not an option if you have never had a loan or credit card, since new-to-credit applicants are not accepted.
