RBL Bank ShopRite Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
20 Reward Points per ₹100 spent on groceries (~5% return); 1 Reward Point per ₹100 on other retail spends
Welcome Bonus
2,000 bonus Reward Points upon making your first transaction within 30 days of issuance and logging into RBL MyCard App
Lounge Access
No Lounge Access
FindMyCard Expert Take
RBL ShopRite is a genuinely free grocery-focused card: 20 points per ₹100 on groceries (about 5% back, capped at 1,000 points/month) plus a 10% BookMyShow discount up to 15 times a year. Outside groceries and movies, the 1 point per ₹100 base rate is unremarkable.
Pros & Cons
Key Advantages
- 100% Lifetime Free credit card with zero joining and annual fees
- Accelerated 20 Reward Points per ₹100 spent on grocery purchases (5% value back)
- Welcome benefit of 2,000 Reward Points on first transaction within 30 days
- 10% discount on movie tickets via BookMyShow up to 15 times per year
- RuPay variant available for convenient UPI payments
Limitations
- Accelerated grocery reward points capped at 1,000 Reward Points per month
- Standard reward rate of 1 Point per ₹100 on general retail spends is low
- Does not offer airport lounge access
Editorial Verdict
The RBL Bank ShopRite Credit Card is ideally suited for everyday grocery shopping, bookmyshow movie discounts & entry-level savings. If you want 20 reward points per ₹100 spent on groceries (~5% return); 1 reward point per ₹100 on other retail spends, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Fair to Good (700+) credit to be approved.
Key Perks & Spending Milestones
2,000 bonus Reward Points on first purchase within 30 days + app login
20 Reward Points per ₹100 spent on grocery shopping (capped at 1,000 Reward Points/month)
1 Reward Point per ₹100 spent on all other non-fuel retail purchases
10% discount (up to ₹100) on movie ticket bookings via BookMyShow (valid up to 15 times/year)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹100/month)
Reward point redemption value at 1 Reward Point = ₹0.25 on RBL Rewards catalog
🚀 Milestone Spends Timeline
100% Lifetime Free credit card with zero annual fee requirements
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Lifetime Free credit card with zero joining or annual maintenance fees
Regular Interest Charges
Up to 3.99% per month (47.88% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹20,000 per month
self employed ITR
₹3 Lakh per annum
age
21 to 65 years
Compare RBL Bank ShopRite Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| RBL Bank ShopRite Credit Card This Card | Free | 20 Reward Points per ₹100 spent on groceries (~5% return); 1... | No Lounge Access | 4.6/5 |
| YES Bank POP CLUB Credit Card | Free | 10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline... | No Lounge Access | 4.8/5 |
| Flipkart Axis Bank Credit Card | ₹500 + Taxes | 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... | No Lounge Access (Discontinued Jun 2025) | 4.5/5 |
| Swiggy HDFC Credit Card | ₹500 + Taxes | 10% cashback on Swiggy app; 5% on online shopping across 1000+ top... | No Lounge Access | 4.4/5 |