Loading page
Loading card
RBL Bank
20 Reward Points per Rs. 100 on groceries — twenty times the base rate, capped at 1,000 a month
One-time
Waived on ₹1,50,000/yr
Uncapped rewards
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromGroceries
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
20% on Groceries — Capped at 1,000 Reward Points a month. RBL publishes no rupee value for a Shoprite Reward Point., with no stated cap.
Biggest limitation
The 20-point grocery rate stops at 1,000 Reward Points a month, about Rs. 5,000 of groceries. Past that, groceries earn the 1-point base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
20 pts
uncappedGroceries
Capped at 1,000 Reward Points a month. RBL publishes no rupee value for a Shoprite Reward Point.
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹590 | — |
| Annual / renewal fee | ₹590 | Rs. 500 + GST membership fee waived on spends of Rs. 1,50,000 or more in a membership year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,50,000 a year
is what it takes to keep the ₹590 fee off — about ₹12,500 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
Rs. 500 + GST membership fee waived on spends of Rs. 1,50,000 in a membership year
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankRBL Bank SalarySe UP Credit Card₹589
RBL BankIndianOil RBL Bank Credit Card₹590
RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360
RBL BankRBL Bank Icon Credit Card₹5,900| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank Shoprite Credit Card · this card | ₹590 | 20% groceries | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹590 plus GST, waived on ₹1,50,000 of annual spend.
The strongest published rate is 20% on groceries, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
20 Reward Points for every Rs. 100 spent on groceries, capped at 1,000 Reward Points a month. The cap is reached at about Rs. 5,000 of grocery spending, so the accelerated rate covers a normal household shop and anything above that earns the 1-point base rate.
RBL does not publish a rupee value for a Shoprite Reward Point, which is why we quote the cap in points rather than in rupees. It matters: without the conversion the headline 20 points per Rs. 100 cannot be compared against a cashback card's percentage. Ask RBL for the current rate before judging the card on its reward rate alone.
Rs. 500 plus GST, which is Rs. 590, waived on spends of Rs. 1,50,000 or more in a membership year. That is about Rs. 12,500 a month, and it counts spending across every category rather than groceries alone — so the waiver is reachable even if the grocery cap is not.
Yes, Rs. 99 plus GST each time, which is Rs. 117. On a small balance that is a significant share of the value, so it is worth letting points accumulate before redeeming rather than cashing out every month.
No. Outside groceries the card earns 1 Reward Point per Rs. 100, which is close to nothing, and there is no lounge access, no welcome benefit and a 3.5% foreign currency markup. The grocery rate is the entire case for the card; without that spending, a flat cashback card will pay more.
Up to 3.99% a month, or 47.88% a year, which is the top of RBL's published range. Cash advances cost 2.5% of the amount withdrawn with a minimum of Rs. 500, and interest runs from the day of withdrawal with no interest-free period at all.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank Shoprite Credit Card — 20% on groceries. ₹590 a year.