Read the complete review of the RBL ShopRite Credit Card. Learn about its lifetime free status, grocery rewards, movie discounts, fuel surcharge waiver, reward redemption, fees, and eligibility. Ideal for beginners and essential spenders.
RBL ShopRite Credit Card Full Review
The RBL ShopRite Credit Card is one of the most value-packed, lifetime free credit cards offered by RBL Bank.
This card comes with strong benefits across groceries, movies, fuel, and everyday spending. Since there are no joining fees or annual charges, it is ideal for beginners and budget-conscious users looking to save on essential categories.
This detailed review covers all features, fees, benefits, eligibility, and whether this card is worth applying for.
RBL ShopRite Credit Card Key Highlights
- Lifetime free credit card
- 2000 Bonus Reward Points as a welcome benefit
- 5 percent savings on grocery purchases
- Movie ticket discount on BookMyShow
- Fuel surcharge waiver
- Contactless tap-and-pay feature
- No annual or renewal charges
RBL ShopRite Credit Card Fees and Charges
1. Joining Fee and Annual Fee
- No joining fee
- No annual or renewal fee
This card is completely lifetime free without any hidden charges.
2. Cash Withdrawal Charges
If you use this card to withdraw cash from an ATM:
- 2.5 percent of the withdrawn amount will be charged.
3. Interest Rate
If you fail to pay the card bill on time:
- Interest of 3.99 percent per month is applicable.
4. Forex Markup Charges
For any transactions made in foreign currency:
- 3.5 percent forex markup fee applies.
RBL ShopRite Credit Card Benefits
1. Welcome Benefit
Once your card is issued, you get:
- 2000 Bonus Reward Points as a welcome reward.
These points can later be redeemed for shopping, travel, vouchers, and more.
2. Movie Benefit
If you love watching movies, this card gives:
- 10 percent discount on movie tickets booked via BookMyShow
- Maximum ₹100 discount per booking
- Valid 15 times per year
Total potential savings:
₹100 × 15 = ₹1500 per year
3. Grocery Reward Benefits (Best Feature)
This is the strongest advantage of the ShopRite Credit Card.
For grocery purchases:
- ₹100 spend = 20 Reward Points
Reward point value = up to ₹0.25 per point
This means: 20 points × ₹0.25 = ₹5 savings per ₹100 spend
Equivalent to 5 percent cashback on groceries
Monthly limit:
- Maximum 1000 reward points per month can be earned on groceries.
4. Other Spending Rewards
For all non-grocery spending (online or offline):
- ₹100 spend = 1 Reward Point
Points can be redeemed for:
- Flight bookings
- Hotel bookings
- Mobile recharges
- Shopping vouchers
- Gift items
5. Fuel Surcharge Waiver
If you refuel using this credit card at any fuel station across India:
- 1 percent fuel surcharge waiver
- Valid on transactions between ₹400 and ₹5000
- Maximum ₹100 waiver per month
- Annual savings: ₹1200 per year
6. Contactless Tap and Pay
The ShopRite Credit Card supports contactless payments:
- Tap your card on the POS machine for payments up to ₹5000
- No PIN required for transactions below ₹5000
For higher amounts, PIN entry is required.
7. Lifetime Free Benefits and Special Offers
Since the card is free for life, you do not pay any charges to enjoy:
- Grocery discounts
- Movie benefits
- Fuel surcharge waiver
- Exclusive RBL Bank credit card offers on Amazon, Flipkart, Swiggy, Zomato, and more
Whenever RBL Bank launches limited-time discounts, this card becomes even more valuable.
Eligibility Criteria
To apply for the RBL ShopRite Credit Card, you need:
- PAN Card
- Identity proof
- Address proof
- Stable income or an existing credit card (for card-to-card approval)
Applicants with a good credit score have a high chance of getting approved.
Is RBL ShopRite Credit Card Worth It?
Yes. This is one of the best lifetime free credit cards for those who want savings on essential spending such as groceries, movies, and fuel. With additional reward redemption options and no annual fees, it offers strong long-term value.
This card is especially recommended if:
- You buy groceries every month
- You want a free credit card with solid benefits
- You frequently book movie tickets
- You need a beginner-friendly card with easy approval