RBL Shoprite RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹500
₹500
3.5%
No lounge access
Contents
RBL Shoprite RuPay Credit Card is a grocery-focused rewards card designed for everyday spending. You earn strong value back on supermarket and daily essentials along with flat rewards on other purchases. The card also offers a BookMyShow movie ticket discount and a useful fuel surcharge waiver. With a low annual fee and simple reward structure, it works well as a first credit card for budget-conscious shoppers.
Features of RBL Shoprite RuPay Credit Card which makes it unique
Grocery-First Rewards Engine
High reward points specifically targeted at grocery and supermarket spends.
Maximises value on a major monthly household expense category.
Stronger grocery rewards than many low-fee entry-level cards.
RuPay UPI Credit Card Usage
Use the credit card via UPI on supported apps without swiping the physical plastic.
Blends UPI convenience with credit card reward points and billing.
More flexible day-to-day usage compared to non-RuPay variants.
Rewards Structure of RBL Shoprite RuPay Credit Card
Grocery Shopping
baseValid on eligible grocery spends in India (online and in-store).
Best used for monthly supermarket and grocery bills.
Grocery Spend Rewards: This reward category is ideal for regular grocery and supermarket spending. Points earned are capped at 1,000 reward points per calendar month and apply only to eligible grocery transactions in India.
Everyday Spends
baseAll eligible retail purchases except fuel, railways, utilities, rent, wallets, insurance and other excluded categories.
Suitable for routine card usage like dining, local shopping and online orders.
Everyday Spending Rewards: Earn base reward points on all eligible retail purchases, excluding fuel, railways, utilities, rent, and wallet transactions. Rewards are credited at the applicable rate with no monthly capping on base reward points. Merchant classification and card terms apply.
Movie Tickets
baseMovie tickets on BookMyShow 15 times a calendar year.
Select the RBL Bank 10% offer on BookMyShow at checkout to apply the discount.
Movie Ticket Rewards: Avail the offer by selecting RBL Bank 10% offer under Credit Card offers and discounts, after your movie selection on BookMyShow.
Fuel Spends
baseValid on fuel transactions with a bill value between ₹500 and ₹4,000 at eligible fuel stations in India.
Fuel surcharge waiver applicable on transactions between ₹500–₹4,000, capped at ₹100 per month.
Fuel Purchase Rewards: Fuel surcharge waiver is applicable on fuel purchases with a transaction value between ₹500 and ₹4,000 at eligible fuel stations in India. The total surcharge waiver is capped at ₹100 per calendar month. Reward points are not applicable on fuel transactions unless specified otherwise. Terms and merchant classification apply.
Milestones of RBL Shoprite RuPay Credit Card
Annual Fee Waiver
₹1,50,000 in eligible retail spends within one membership year. : Get the annual fee refunded on meeting the spend requirement.
Annual Fee Waiver Milestone: The annual membership fee will be reversed if total eligible retail spends of ₹1,50,000 are achieved within the card anniversary year. Eligible spends exclude fuel, utilities, rent, wallet transactions, and any other excluded categories as per card terms. The waiver is processed after milestone validation.
Fees & Charges of RBL Shoprite RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500+ GST |
| Annual Fee | ₹500+ GST |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 12.50%of Outstanding amount |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50%of the cash amount (min INR 500) |
Renewal Conditions:In case of renewal or replacement of RBL Bank RuPay Credit Card, user has to re-register on third party UPI application with updated Credit Card details.
Fee Explanation Standard RBL Bank fees apply, including a ₹99 + GST reward redemption charge and slab-based late payment charges of 12.5% of the outstanding amount.
Detailed Explanation of RBL Shoprite RuPay Credit Card Fees
Overlimit Fee: 0 (once per billing cycle)
Applies only if the total outstanding balance is higher than your current credit limit in a billing cycle.
Overlimit Fee Penalty: Charged when your outstanding balance exceeds the assigned credit limit (typically 2.5% of the overlimit amount).
Late Payment Charges: 12.5% of Outstanding amount (once per billing cycle)
Charged if the Minimum Amount Due (MAD) is not paid on or before the payment due date.
Late Payment Penalty: A late payment fee of ₹1,300 is levied when the minimum due is not paid by the due date.
Joining Fee: ₹500 + GST (one-time)
The joining fee is charged one time at card issuance and is non-refundable.
One-Time Card Joining Fee: A one-time joining fee of ₹500 is charged when the RBL Shoprite RuPay Credit Card is issued and is not billed again in subsequent years.
Annual Fee: ₹500 + GST (yearly)
waived if you spend ₹1 lakh or more in the previous card anniversary year.
Annual Fee & Waiver Condition: An annual fee of ₹500 + GST is applicable but is waived on spending ₹1 lakh or more in the previous year.
Reward Redemption Fee: ₹99 + GST (each time you redeem points)
Charged each time reward points are redeemed against vouchers, products, or catalog items.
Reward Points Redemption Charge: A redemption fee of ₹99 plus applicable GST is levied per reward redemption request.
Foreign Transaction Fee: 3.5% of the transaction amount (per international transaction)
Charged on all transactions made in foreign currency or on international websites/apps, even if the payment is done in INR.
International Transaction Charges: A 3.50% foreign transaction fee applies on international spends made using the RBL Shoprite RuPay Credit Card.
Cash Withdrawal Fee: 2.5% (per cash withdrawal transaction)
Applicable whenever cash is withdrawn using the credit card at an ATM or bank branch; interest is charged from the transaction date until full repayment
Withdrawal Fee (Emergency Cash): A 2.5% cash advance fee (min ₹500) charged each time you withdraw cash using your credit card, with interest accruing from the withdrawal date until full repayment applied per transaction.
Additional Features of RBL Shoprite RuPay Credit Card
Contactless Payments
Tap to pay enabled for quick, secure payments at compatible terminals.
Tap transactions allowed up to the RBI-defined contactless transaction limit.
Tap to Pay: Make fast and secure payments by tapping the card at contactless-enabled terminals. RBI limits apply.
RuPay UPI Link
Link the RuPay credit card to UPI apps for convenient QR and online payments.
Offline UPI transactions under ₹2,000 at small merchants may not earn reward points as per bank terms.
UPI Payments with RuPay Card: Link your RuPay credit card to UPI apps and pay at supported merchant QR codes. Terms apply.
National Common Mobility Card (NCMC)
Supports NCMC features on the RuPay network for compatible transit systems.
Available only on eligible RuPay variants as per RBL Bank policies.
NCMC-Enabled Payments: Use the card for quick payments at NCMC-enabled public transport and mobility services. Availability and limits apply.
MyCard Mobile App
Track spends, statements, reward points and manage your card from the RBL MyCard app.
Requires registration with your registered mobile number.
Card Management App: Track spends, pay bills, and manage your credit card anytime using the MyCard mobile app.
Welcome Bonus with RBL Shoprite RuPay Credit Card
Welcome Bonus: 2,000 Reward Points
Bonus Conditions: Make a retail transaction within 30 days of card issuance and pay the joining fee by the due date.
Application Process for RBL Shoprite RuPay Credit Card
Processing Time
7-15 days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Complete mobile number verification using the OTP sent to your registered mobile and submit the application.
Verify Mobile Number: Complete mobile number verification by entering the OTP sent to your registered mobile number. Once verified, submit the application for further processing.
RBL Bank reviews your profile, may call for additional confirmation, and on approval dispatches the Shoprite RuPay Credit Card to your mailing address.
Verification, Approval & Card Dispatch: RBL Bank reviews your application and may contact you for additional confirmation or verification. Once approved, the Shoprite RuPay Credit Card is issued and dispatched to your registered address.
Visit the official RBL Bank website and navigate to the Shoprite Credit Card page or use the online application link from a trusted partner.
Apply Online or via Bank Channel: Visit the official RBL Bank website and navigate to the Shoprite Credit Card page, or apply using an authorised online application link or by visiting a bank branch to begin the application process.
Fill in your personal details, contact information, employment type and estimated monthly income in the online form.
Provide Personal & Employment Details: Enter your personal information, contact details, employment type, and estimated monthly income accurately in the online application form to proceed with the credit card application.
Upload or share KYC documents such as PAN, address proof and income proof as prompted by the application journey.
Submit KYC & Income Documents: Upload or share the required KYC documents such as PAN, address proof, and income proof as prompted during the application process for verification.
Required Documents for RBL Shoprite RuPay Credit Card
ID Proof
allAccepted documents:
Valid Identity Proof: Applicants must submit a valid government-issued identity proof for verification. Accepted documents include PAN card, Aadhaar card, Passport, Voter ID, or Driving Licence. Submission is mandatory for all applicants and subject to verification as per KYC norms.
Address Proof
allAccepted documents:
Address Verification: Applicants must submit a valid address proof to verify their current residential address. Accepted documents include Aadhaar card, Passport, Voter ID, Driving Licence, utility bills, or bank statements, as per KYC guidelines.
Income Proof
salaried and self-employedAccepted documents:
Income Verification: Income proof is required to assess credit eligibility. Salaried applicants may submit recent salary slips or bank statements, while self-employed applicants may provide income tax returns (ITR) or financial statements, as applicable.
RBL Shoprite RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across major supermarkets, fuel stations, retail stores and online merchants in India on the RuPay network.
International Acceptance
Limited international merchant acceptance compared to Visa and Mastercard; best suited primarily for domestic usage.
Online Acceptance
Supported on most Indian payment gateways and e-commerce platforms that accept RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Shoprite RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹300,000
Minimum annual income
Self-Employed Applicants
₹300,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a stable income source.
- Must complete KYC verification as per bank and RBI guidelines.
- Final approval is subject to RBL Bank’s internal credit assessment and verification.
How Approval Is Decided
- Applicant is an Indian resident within the eligible age range (typically 21–65 years).
- Stable, declared income meeting or exceeding the minimum levels set for this card.
- Good credit score and repayment history with no major recent defaults.
- Successful completion of KYC checks and internal risk assessment by RBL Bank.
Pros of RBL Shoprite RuPay Credit Card
- Fuel surcharge waiver up to ₹100 per month helps regular drivers save on fuel.Fuel Surcharge Savings: Fuel surcharge waiver of up to ₹100 per month helps regular drivers reduce fuel-related expenses on eligible transactions.
- Attractive BookMyShow movie discount benefit up to 15 times a year.Movie Ticket Discounts: Attractive BookMyShow movie ticket discount benefits are available up to 15 times a year, making it ideal for frequent moviegoers.
- High reward rate on grocery shopping, ideal for monthly supermarket spends.High Grocery Rewards: Higher reward rate on grocery shopping makes this card suitable for monthly supermarket and household spending.
- Simple base reward structure on other eligible purchases.Simple Reward Structure: Straightforward base reward structure on other eligible purchases makes it easy to understand and track rewards.
Cons of RBL Shoprite RuPay Credit Card
- No premium travel benefits or built-in travel insurance coverage.Limited Travel Benefits: No premium travel perks such as airline benefits, hotel privileges, or built-in travel insurance are included.
- Reward redemption fee of ₹99+GST reduces net value on small redemptions.Reward Redemption Charges: A reward redemption fee of ₹99 plus GST applies, which may reduce value on smaller redemptions.
- No reward points on several categories such as fuel, utilities, rent, wallets and insurance.Category Exclusions: Reward points are not earned on certain categories such as fuel, utilities, rent, and wallet transactions.
- No complimentary domestic or international airport lounge access.No Airport Lounge Access: The card does not provide complimentary access to domestic or international airport lounges.
Frequently Asked Questions about RBL Shoprite RuPay Credit Card
What welcome bonus do I get with the RBL Shoprite RuPay Credit Card?
You receive 2,000 reward points as a welcome bonus when you activate the card, make a qualifying retail transaction within 30 days and pay the joining fee by the due date.
Welcome bonus points are credited after activation and meeting the required transaction and fee payment conditions.How are reward points earned on grocery and other spends?
You earn 20 reward points per ₹100 spent on eligible grocery purchases (up to 1,000 reward points per month) and 1 reward point per ₹100 on other eligible retail spends, excluding fuel, railways, utilities, rent, wallets, insurance and other excluded categories.
Reward points vary by spend category and are subject to monthly capping and exclusions.Does the RBL Shoprite RuPay Credit Card offer fuel benefits?
Fuel transactions do not earn reward points, but you do get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per month, which appears as a reversal in your statement.
Fuel purchases are not eligible for reward points. However, a 1% fuel surcharge waiver is applicable on eligible fuel transactions with a bill value between ₹500 and ₹4,000, subject to a maximum waiver of ₹100 per calendar month. The waiver is credited as a reversal in the card statement.What movie benefits are available with this card?
You can enjoy a 10% discount, up to ₹100 per transaction, on movie tickets booked through BookMyShow up to 15 times in a calendar year when you select the RBL Bank offer at checkout.
The BookMyShow movie ticket offer is applicable only when the RBL Bank offer is selected at checkout. The discount is limited to 10% per transaction, capped at ₹100, and can be availed up to 15 times in a calendar year. Offer validity and terms may change as per partner or bank policy.Is there any airport lounge access or travel insurance on this card?
No. The RBL Shoprite RuPay Credit Card is an entry-level shopping and grocery card, so it does not provide complimentary airport lounge access or dedicated travel insurance benefits.
The RBL Shoprite RuPay Credit Card does not offer complimentary airport lounge access or travel insurance, as it is positioned as an entry-level card focused on shopping and grocery benefits.Can I link the RBL Shoprite RuPay Credit Card to UPI apps?
Yes. As a RuPay credit card, it can typically be linked to supported UPI apps for QR and online payments. However, small offline UPI transactions under ₹2,000 at certain merchants may not earn reward points as per RBL Bank terms.
The card can be linked to supported UPI apps for merchant QR and online payments. Reward points may not be applicable on certain small offline UPI transactions (such as under ₹2,000), depending on merchant type and bank terms.Who is eligible to apply for the RBL Shoprite RuPay Credit Card?
Indian residents in the 21–65 age group with a stable, verifiable income and a good credit profile can apply. Approval depends on RBL Bank’s internal checks, minimum income norms and credit score requirements.
Eligibility is subject to age, income stability, and credit profile. Final approval depends on internal checks, minimum income criteria, and credit score assessment as per bank policy.Is there a joining and annual fee on the RBL Shoprite RuPay Credit Card?
Yes. The card usually charges ₹500 + GST as a joining fee and ₹500 + GST as an annual fee, which can be waived when you spend ₹1.5 lakh or more in the previous membership year.
Joining and annual fees are applicable as per the card’s fee structure. The annual fee can be waived on meeting the specified annual spend requirement during the previous membership year.Add Your Review
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