M16S / RBL Bank / RBL ShopRite Credit Card
entry · rewards, shopping, upi
RBL ShopRite Credit Card
The RBL ShopRite Credit Card costs Rs 500 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.25% (1 point per Rs 100). Accelerated earn: 20 points per Rs 100 on grocery (5% value back). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
What changed on this card
- RBL Bank adds 1% fee on FASTag loading and toll payments above Rs 10,000, Jan 2026
From 7 January 2026 RBL Bank charges a 1% fee on FASTag loading and toll payment transactions above Rs 10,000 per transaction per card (MCC 4784, 4111 and 4131). The RBL MITC lists this as a card charge for its credit cards. Source: RBL Bank, webassets.rbl.bank.in, read 28 Oct 2026
- RBL Bank ShopRite stops reward points on six more spend categories, Oct 2024
From 15 October 2024 purchases in Quasi-Cash, Education, Government Services, Contracted Services, Cash and Bills2Pay no longer earn reward points on the ShopRite card. Source: RBL Bank, rbl.bank.in, read 28 Oct 2026
- RBL Bank ShopRite excludes 14 categories from annual fee waiver spend, Oct 2024
From 15 October 2024 spends on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion, plus fees and GST, do not count toward the Rs 1,50,000 annual spend that waives the Rs 500 fee. Source: RBL Bank, webassets.rbl.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Welcome benefit | 2,000 points after use in 30 days and fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 point per Rs 100 |
| Base return | 0.25% |
| Point value | Up to Rs 0.25 per point |
| Accelerated earn | 20 points per Rs 100 on grocery (5% value back) |
| Caps | 1,000 points per month on grocery (Rs 5,000 grocery spend) |
| Spends that earn nothing | No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions |
| Reward notes | base_return_pct = 1 point per Rs 100 x Rs 0.25. Exclusions widened from 15 Oct 2024. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | Rs 500-4,000 transactions, cap Rs 100/month |
| Other freebies | BookMyShow 10% off up to Rs 100, 15 times a year |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | Card Insider lists a lifetime-free offer; issuer page and MITC show Rs 500 with a Rs 1.5 lakh waiver. Fee-waiver spend excludes the same categories. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL ShopRite Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the RBL ShopRite Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the RBL ShopRite Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL ShopRite Credit Card?
- No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions