ShopRite

Joining ₹500 · Annual ₹500

Fee break-even: ≈₹2,00,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward points · assumed 0.25 ₹/point. ₹0.25 per point, RBL's own value back framing, less the ₹99 per day redemption fee

Verified 13 Aug 2026

Forex markup3.5%

Fuel surcharge1% waived per RBL's schedule

EMI1.5% of the amount or ₹150, whichever is higher, on every EMI conversion processing fee · A converted purchase stops earning rewards · RBL publishes no interest rate for merchant EMI, the rate arrives with the offer. · EMI conversions earn no points per RBL's terms

Return by category

Category	Return	Notes
Online spend	0.25%	Base rate
Amazon	0.25%	Base rate
Flipkart	0.25%	Base rate
Subscriptions & OTT	0.25%	Base rate
Offline spend	0.25%	Base rate
UPI spending	0%	No RuPay variant is published, so UPI linking is unavailable
Dining	0.25%	Base rate
Swiggy	0.25%	Base rate
Zomato	0.25%	Base rate
Groceries	5%	20 points per ₹100 on grocery shopping, capped at 1,000 points a month, about ₹5,000 of groceries
Quick commerce	5%	Uses its groceries rate
Swiggy Instamart	0.25%	Base rate
Blinkit	0.25%	Base rate
BigBasket	5%	Uses its groceries rate
Movies & shows	10%	10% off BookMyShow tickets, per the offer's terms · A discount at booking, not points
BookMyShow	10%	Uses its movies rate
PVR INOX	10%	Uses its movies rate
Fuel	0.25%	Base rate
Travel (general)	0.25%	Base rate
Flights	0.25%	Base rate
Hotels	0.25%	Base rate
MakeMyTrip	0.25%	Base rate
IRCTC rail	0.25%	Base rate
International	−3.25%	0.25% reward − 3.5% forex markup
Utilities & bills	0.25%	Base rate
Rent	0.25%	Base rate
Education fees	0.25%	Base rate
Insurance premiums	0.25%	Base rate
Government & tax	0.25%	Base rate
Wallet loads	0.25%	Base rate
Anything else	0.25%	Base rate
Jewellery	0.25%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome: 2,000 reward points after paying the membership fee

Other exclusions

EMI conversions earn no points per RBL's terms

RBL Bank ShopRiteBest for Small grocery baskets3.1 / 5

What we liked

5% back on groceries, one of the few grocery specific rates anywhere
2,000 point welcome roughly covers the ₹500 fee
10% off BookMyShow on the side

What to mind

The grocery cap fills at just ₹5,000 a month
0.25% on everything else
A ₹99 fee every day you redeem

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?