RBL ShopRite Review 2026
Last reviewed:
Quick verdict
A niche card designed specifically for grocery shoppers and families. The 5% cashback on supermarket spends is useful but capped at ₹200 per month, which means optimal value at around ₹4,000 in grocery spending. Best for families who want to stack savings alongside other cards.
Pros
- Accessible eligibility — minimum income around ₹15,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- 5% cashback on grocery spends (cap ₹200/month)
- 1% cashback on all other spends
- Fuel surcharge waiver
- Easy EMI conversion on large purchases
Fees & charges at a glance
| Joining Fee | Nil |
|---|---|
| Annual Fee | ₹500 + GST |
| Rewards | 5% cashback on grocery & supermarket |
| Welcome Benefit | None |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹15,000/month |
| Network | Mastercard |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The RBL ShopRite is best suited for grocery & supermarket. It is a cashback card on the Mastercard network, and RBL Bank generally looks for a minimum income of ₹15,000/month. If your spending matches its reward categories (5% cashback on grocery & supermarket), the card can pay for its annual fee of ₹500 + GST. If not, a lifetime-free card may give you better net value.
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RBL ShopRite: frequently asked questions
What is the annual fee of the RBL ShopRite?
The RBL ShopRite has a joining fee of Nil and an annual fee of ₹500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with RBL Bank.
What rewards does the RBL ShopRite give?
5% cashback on grocery & supermarket. 5% cashback on grocery spends (cap ₹200/month). 1% cashback on all other spends.
Does the RBL ShopRite offer airport lounge access?
No. The RBL ShopRite does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the RBL ShopRite?
RBL Bank typically requires a minimum income of ₹15,000/month for the RBL ShopRite, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the RBL ShopRite?
The RBL ShopRite charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the RBL ShopRite?
The foreign currency markup on the RBL ShopRite is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the RBL ShopRite to UPI?
No. The RBL ShopRite runs on the Mastercard network. Only RuPay credit cards can be linked to UPI in India at present.
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