All cards / RBL Bank
RBL Bank ShopRite
A budget-friendly cashback card with a strong grocery reward rate — fuel, utilities, insurance, and a few other categories are excluded from earning rewards entirely. The welcome bonus only credits after the first purchase is made within 30 days of receiving the card and registering on the RBL MyCard app, so it is easy to miss if the card sits unused. There is a modest BookMyShow ticket discount usable up to fifteen times a year, but the card carries no lounge access, golf, or travel insurance, and cashing out points attracts a small redemption fee.
Annual fee
₹500
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
- Golf: Not offered
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹250/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹18,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 2,000 reward points on first eligible transaction within 30 days
Pros
- + Strong grocery cashback
- + Low fee
- + Accessible eligibility
- + Recurring BookMyShow movie-ticket discount usable multiple times a year
Cons
- − Fuel, utilities, and insurance spend earn no rewards
- − Grocery cap is modest
- − Welcome bonus requires activation within 30 days or it is forfeited
- − No lounge, golf, or travel insurance benefits