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▾RBL ShopRite Credit Card Review
Best for: Families shopping at DMart, Reliance Retail, Spencer's, More, Big Bazaar-alternatives who spend ₹10-20K/month on groceries.
- 5% value-back on grocery spends (per current issuer page)
- 10% discount on movie tickets at BookMyShow
- Welcome 2,000 Reward Points (NOT ₹500 voucher) — credited within 60 days of card issuance, on swiping the card within 30 days AND paying the annual fee on time
- Annual fee ₹500 + GST
- Issuer claims rewards worth 14X annual fee
- Caps on monthly cashback
- No lounge
- Forex 3.5%
- Online categories narrower
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹500 + GST |
| Renewal fee | ₹500 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
5% on departmental-store categories (DMart, Reliance Smart, Spencer's, More, V-Mart, grocery stores via card MCC codes). Capped ₹500/month. 2% online retail. Welcome ₹500 voucher.
Key benefits
- 5% on large-format groceries (cap ₹500/month)
- 2% online
- Welcome ₹500 voucher
- 1% fuel surcharge waiver
- Free add-on
Who the RBL ShopRite is for
Family households spending ₹10K+/month at big-box grocery stores. At cap utilisation the ₹500 fee earns back 12×.
Final verdict
Strong family-household card. One of the best grocery-focused cards at ₹500 fee level.
FAQ
Does BigBasket count?
BigBasket Supermarket category qualifies. Delivery-only Q-commerce does not — use RBL Cookies for that.
Is the 5% instant or deferred?
Statement credit posted within 60-90 days of transaction.
What about kirana stores and local grocers?
Small local stores rarely use the "departmental store" MCC. Qualifies only if the merchant is categorised as large-format grocery.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.