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Features of RBL Bank ShopRite Credit Card

  • Reward Points Structure: One of the standout features of the RBL Bank ShopRite Credit Card is its rewarding points system. Cardholders earn 20 reward points for every ₹100 spent on grocery shopping, with a monthly cap of 1,000 reward points. For all other retail purchases (excluding fuel), you earn 1 reward point per ₹100 spent. Additionally, fuel purchases fetch 10 reward points per ₹100, also capped at 1,000 points per month. These reward points are credited within 45 days of the purchase settlement date and can be redeemed for a variety of options, including travel, hotel bookings, shopping vouchers, and more, at a value of 1 reward point = ₹0.25. A redemption fee of ₹99 + GST applies per redemption request, ensuring cardholders can maximize their savings on everyday expenses.
  • Welcome Bonus: New cardholders are greeted with a welcome bonus of 2,000 reward points, provided they make a purchase within 30 days of card issuance and pay the annual membership fee by the due date. This bonus, credited within 60 days of issuance, serves as an immediate incentive for card activation and usage, effectively offsetting a portion of the initial costs associated with the card.
Kotak Silk Inspire Credit Card
    • Welcome Bonus Reward Points: Upon joining, cardholders receive 20,000 reward points (approximately ₹5,000) by swiping the card at least once within 30 days of issuance and paying the joining fee of ₹5,000 by the due date. The bonus is credited within 60 days of card issuance, offering an immediate incentive to start using the card.
    • Milestone Reward Points: Cardholders can earn additional reward points based on their annual spending: 10,000 points for ₹3 lakh, 15,000 points for ₹5 lakh, and 20,000 points for ₹8 lakh, totaling up to 45,000 points annually. These rewards are credited within 45 days of crossing each spending threshold.
    • Airport Lounge Access: Enjoy 2 complimentary domestic lounge visits per quarter at major airports across India. Additionally, access over 1,400 international airport lounges through a complimentary Priority Pass membership, with each visit chargeable at up to $35 per person.
    • Golf Privileges: Cardholders receive complimentary golf rounds, discounts on green fees, and free golf lessons at select golf courses across India. Bookings can be made through the Golf Concierge Desk by calling 8885545255.
    • Movie Ticket Offers: Avail a buy-one-get-one-free movie ticket offer on BookMyShow, worth up to ₹200, twice a month by selecting the RBL Bank Buy 1 Get 1 Offer under the Offers/Discounts section on the BookMyShow website or app.
    • Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to ₹200 per month for transactions between ₹500 and ₹4,000 at fuel stations across India. This feature provides practical savings for cardholders who frequently drive.
    • Concierge Services: The RBL Bank Icon Credit Card includes 24/7 concierge services to assist with a range of lifestyle needs, including golf course referrals and reservations, car rental and limousine bookings, hotel referrals and reservations, and coordination for special events, spa visits, and gift deliveries. Cardholders can access these services by calling the customer service number at 8885545255.
    • Enhanced Security Features: Cardholders can switch their card on or off at any time through the RBL Bank mobile app or website, providing control over card usage and reducing the risk of unauthorized transactions. Additionally, the card offers zero liability protection for lost or stolen cards, provided the loss is reported promptly to the bank’s customer care at 8885545255.
    • Global Acceptance: The RBL Bank Icon Credit Card is accepted globally, making it a versatile tool for international travel and online purchases. Available on MasterCard, Visa, or RuPay networks, the card ensures seamless transactions worldwide. However, international transactions incur a 3.5% foreign transaction fee, with non-US dollar transactions first converted to USD before the fee is applied.
    • Add-On Cards: Cardholders can share the card’s benefits with family members by issuing add-on cards for their spouse, parents, or children (minimum age 18). All charges and reward points accrued on add-on cards are billed to the primary cardholder’s account, with the primary cardholder retaining control over the credit limit for each add-on card.
    • Contactless Payments: The card supports contactless payments, allowing for quick and secure transactions at compatible merchant terminals. This feature aligns with modern payment trends, offering convenience and speed for everyday purchases.
    • Online Transaction Capabilities: The RBL Bank Icon Credit Card is equipped for online transactions, with the ability to generate a One-Time Password (OTP) instantly for IVR transactions. This ensures secure and seamless online shopping, catering to the growing trend of e-commerce.
    • Flexible Credit Limits: The card’s credit limit is determined based on the cardholder’s income, credit score, and financial profile, and is communicated at the time of card issuance. Cardholders can request a credit limit increase by submitting financial documents such as salary slips or income tax returns, subject to the bank’s approval. The cash advance limit is a percentage of the total credit limit, indicated on monthly billing statements, providing flexibility for emergency cash needs.
    • EMI Conversion Options: For large purchases, the card offers a Transfer ‘n’ Pay feature, allowing cardholders to consolidate outstanding balances from other credit cards into one account and repay them in low-cost EMIs. This feature enhances financial flexibility, making it easier to manage high-value transactions.
    • Digital Banking Integration: The card integrates with RBL Bank’s net banking and mobile banking platforms, allowing cardholders to manage their account, track transactions, pay bills, and redeem reward points conveniently. The RBL MoBank App further enhances accessibility, offering features like bill payments and transaction alerts. This digital integration ensures that cardholders can stay in control of their finances anytime, anywhere, aligning with modern banking trends.
    • Customizable Card Network: Cardholders can choose their preferred card network (MasterCard, Visa, or RuPay) at the time of application, with the option to switch networks for existing cards by contacting the bank’s helpline. This flexibility ensures compatibility with the user’s preferred payment ecosystem, whether they prioritize MasterCard’s global reach or RuPay’s domestic benefits.
    • Robust Customer Support: RBL Bank provides 24/7 customer support for the Icon Credit Card, accessible via phone at 8885545255. This ensures that cardholders can resolve queries or report issues promptly, enhancing the overall user experience. The availability of multiple support channels ensures that help is always at hand, whether for transaction disputes, reward redemptions, or card management queries.
Kotak Silk Inspire Credit Card Benefits

Benefits of RBL Bank ShopRite Credit Card

  • 1. High Reward Points on Grocery Spending:
    • 5% Value-Back: Earn 20 reward points per ₹100 spent on grocery purchases.
    • Monthly Cap: Reward points capped at 1,000 per month (worth ₹250).

    Ideal for households with frequent grocery shopping, this benefit ensures that your essential expenses lead to meaningful monthly savings. The accumulated points can later be redeemed for vouchers, merchandise, or more.

  • 2. Fuel Savings:
    • 2.5% Value-Back: Earn 10 reward points per ₹100 spent on fuel purchases.
    • Fuel Surcharge Waiver: Get 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (up to ₹100 per month).

    For regular vehicle users, the combined benefit of reward points and surcharge waiver significantly reduces fuel expenses, making this card suitable for daily commuters.

      • Movie Ticket Discounts: The 10% discount on BookMyShow movie tickets is a major draw for entertainment lovers. This benefit encourages cardholders to enjoy cinematic experiences at a reduced cost.
      • Welcome Bonus Value: The 2,000 reward points welcome bonus, equivalent to ₹500 in value, provides an immediate return on the card’s annual fee (₹500 + GST).
      • Annual Fee Waiver: Spending ₹1.5 lakh in a membership year waives the ₹500 annual fee, effectively making the card free for high spenders.
      • Lifetime-Free Option: For select users, particularly those transitioned from the RBL Bank Edition Card, the ShopRite Credit Card is lifetime-free, eliminating annual and joining fees.
      • Flexible Reward Redemption: Reward points can be redeemed for a wide range of options on the RBL Rewards portal, including travel, hotel stays, shopping vouchers, mobile recharges, and gifts.
      • RuPay Network Benefits: For cards issued on the RuPay network, cardholders gain access to NCMC features and UPI integration, enabling seamless payments for public transport and small transactions.
      • Enhanced Security: The ability to switch the card on or off via the RBL MyCard App or online portal provides peace of mind, protecting against unauthorized usage.
      • International Usability: The card’s support for international transactions makes it a convenient option for overseas shopping or travel. Despite the 3.5% foreign currency markup fee, the ability to use the card globally adds.
      • Add-On Card Convenience: Add-on cards allow family members to share the card’s benefits, with all reward points credited to the primary cardholder’s account.
      • Contactless Payment Efficiency: Contactless payment support streamlines small transactions, offering speed and convenience at merchant terminals.
      • Credit Building Opportunity: As an entry-level card, the ShopRite Credit Card helps users build or improve their credit score through responsible usage and timely repayments.
      • EMI Conversion for Large Purchases: The option to convert large transactions into EMIs provides financial flexibility, allowing cardholders to manage significant expenses without immediate financial strain.
      • GST Payment Convenience: The card’s integration with the GST portal simplifies tax payments for self-employed individuals or business owners, streamlining financial obligations and earning reward points on these transactions.
      • Comprehensive Customer Support: Access to 24/7 customer support via phone (1800 121 9050) or email (cardservices@rblbank.com) ensures prompt assistance for queries, lost card reports, or application issues.
      • Transparent Cost Structure: The card’s transparent fee structure, with clearly outlined charges like the reward redemption fee and foreign currency markup fee, helps cardholders plan their finances effectively.
      • Entry-Level Accessibility: The card’s low annual fee and accessible eligibility criteria make it an excellent choice for beginners or those with moderate spending habits.
      • Financial Discipline Incentive: The card encourages financial discipline by rewarding timely payments and high spending with fee waivers and bonuses.
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How to Apply for RBL Bank ShopRite Credit Card

  • 1. Online Application via RBL Bank Website
    • Visit the Website: Go to www.rblbank.com and navigate to the “Personal Banking” section.
    • Select Credit Cards: Click on “Credit Cards” and find the “ShopRite Credit Card.”
    • Click Apply Now: Select the card and click the “Apply Now” button to open the online application form.
    • Fill Personal Details: Enter your full name, date of birth, gender, mobile number, email address, city, employment type, monthly/annual income, and PAN number.
    • OTP Verification: Click “Get OTP” and enter the OTP sent to your registered mobile number for identity verification.
    • Submit Additional Details: Provide your residential address, PIN code, and details of any existing loans or credit cards.
    • Agree to Terms: Review terms and conditions, tick the agreement box, and click “Submit.” Note your application reference number.
    • KYC Document Submission: An RBL Bank representative will contact you within 2-3 working days to complete the KYC process digitally or in person.
    • Application Review and Approval: Your application will be reviewed, and if approved, the card will be delivered within 7-10 working days.
  • 2. Offline Application via RBL Bank Branch
    • Locate Branch: Find the nearest RBL Bank branch using the branch locator on the website or call customer care at 1800 121 9050.
    • Visit the Branch: Go during working hours with your KYC documents (identity proof, address proof, income proof, photograph).
    • Request Application Form: Ask for the ShopRite Credit Card application form and fill it out with accurate details.
    • Submit Documents: Submit the completed form along with your documents to the bank official.
    • Verification and Follow-Up: The branch will process your application; you may be contacted for further details.
  • 3. Application via Third-Party Platforms
    • Choose Platform: Visit trusted websites like CreditMantri, BankBazaar, or Paisabazaar.
    • Search and Select Card: Locate the RBL Bank ShopRite Credit Card and check eligibility.
    • Fill Application: Complete the online form with personal and financial details.
    • Upload Documents: Upload digital copies of required KYC documents, if requested.
    • Submit and Track: Submit the form and use the platform’s tracking to monitor application status.
  • Ensure all details entered are accurate to avoid delays or rejection.
  • Maintain a good credit score (above 750) to improve approval chances.
  • Submit valid and up-to-date documents matching your application details.
  • Track your application using the reference number on the RBL Bank website or customer care.
  • Avoid applying for multiple cards simultaneously to prevent negative impact on your credit score.
  • Activate your card by making a purchase within 30 days to claim welcome benefits.

Eligibility Criteria for RBL Bank ShopRite Credit Card

  • 1. Age Requirements
    • Salaried Individuals: Minimum age of 21 years.
    • Self-Employed Individuals: Minimum age of 23 years.
    • Maximum age for all applicants: 65 years.
    • Add-on Cardholder: Must be 18 years or older.
  • 2. Income Requirements
    • Salaried: Minimum monthly income of ₹25,000 (₹3,00,000 annually).
    • Self-Employed: Minimum annual income of ₹3,00,000 supported by ITRs or financial statements.
    • Higher income may be required based on profile or location.
  • 3. Credit Score and History
    • Recommended credit score: 750 or above.
    • Good payment history and low credit utilization preferred.
    • Fewer recent credit inquiries improve approval chances.
  • 4. Employment Status
    • Salaried: Must be employed with a reputed organization for at least 6 months.
    • Self-Employed: Must have 1–2 years of business continuity or practice in a profession.
  • 5. Residential Location
    • Must reside in RBL Bank's serviceable cities such as Mumbai, Delhi, Bangalore, and Chennai.
    • Applicants from non-serviceable cities may need alternate address proof or face rejection.
  • 6. Nationality
    • Primarily open to Indian residents.
    • NRIs or foreign nationals may apply subject to bank policies and documentation.
  • 7. Debt-to-Income Ratio
    • Preferred DTI ratio: Below 40%.
    • Lower existing debts improve chances of approval.
  • 8. Existing Relationship with RBL Bank
    • Having an RBL savings account, FD, or loan can improve approval prospects.
  • 9. Application History
    • No recent rejections of credit card or loan applications recommended.
  • 10. KYC Compliance
    • Full KYC including PAN, Aadhaar, and address proof is mandatory.
    • Incomplete or incorrect documentation may lead to delays or rejection.
  • 11. Contactability
    • Valid and reachable mobile number and email address are required for communication.
    • Unreachable applicants may be disqualified during verification.
  • 12. Stable Financial Behavior
    • Stable job or income history preferred over frequent employment or business changes.
  • 13. Digital Literacy
    • Comfort with mobile or online banking is preferred as RBL heavily promotes digital platforms.
  • 14. Co-Applicant Restrictions
    • Joint applications are not allowed; only individual applicants are considered.
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Documents Required for RBL Bank ShopRite Credit Card

  • Application Form:
    • A completed application form with accurate personal, professional, and financial details including PAN number.
  • Proof of Identity (Any One):
    • Aadhaar Card, PAN Card, Passport<, Voter’s ID, Driving License
  • Proof of Address (Any One):
    • Aadhaar Card, Passport, Voter’s ID, Driving License, Utility Bills (Electricity, Water, or Landline, not older than 3 months), Rental Agreement, Ration Card, Bank Account Statement, Property Registration Document
  • Proof of Income:
    • Salaried Individuals:
      • Latest 1-2 salary slips (not older than 3 months), Bank statement for the last 3 months, Form 16 (latest)
    • Self-Employed Individuals:
      • Income Tax Returns (ITR) for the last 2 years
      • Bank statement for the last 3-6 months
      • Business financial statements or Form 16
  • PAN Card or Form 60:
    • PAN Card is mandatory, linked to tax records.
    • If PAN unavailable, submit Form 60 declaration.
    • Linking PAN with Aadhaar is mandatory (deadline was June 30, 2023).
  • Passport-Sized Photographs:
    • 2-3 recent passport-sized photographs as per bank specifications.
  • Additional Documents for Self-Employed:
    • Business registration documents (e.g., GST certificate, shop license)
    • Proof of business continuity (e.g., audited financial statements)
  • Documents for Add-On Cards:
    • Identity proof of add-on cardholder (e.g., Aadhaar, Passport)
    • Relationship proof (e.g., marriage certificate for spouse, birth certificate for child)
  • Digital Copies for Online Applications:
    • Scanned/digital copies in PDF or JPEG format, clear and legible.
  • Tips for Document Submission:
    • Ensure all documents are valid and details match application.
    • Keep photocopies/digital backups.
    • Submit through secure platforms like RBL website or MyCard App.
    • Check city-specific document requirements if any.
  • Document Verification Process:
    • KYC checks with government databases (Aadhaar, PAN).
    • Income verification via bank statements/ITR.
    • Address verification through physical/digital means.
    • Incomplete or invalid documents may delay or reject application.

Factors Influencing RBL Bank ShopRite Credit Card

  • Credit Utilization Ratio: Should ideally be below 30%. High utilization signals financial strain, reducing approval chances or credit limit increases.
  • Multiple Credit Inquiries: Frequent recent hard inquiries may lower your credit score and raise red flags for lenders.
  • Age: Applicants must be between 21 and 65 years old for risk assessment alignment.
  • Repayment History: A history of timely repayments, especially on RBL products, boosts approval chances.
  • Spending Patterns: High spending in grocery or retail aligns well with ShopRite rewards and may influence credit limit positively.
  • Economic Conditions: Macro factors like economic downturns or interest rate changes can tighten approval criteria.
  • Card Usage Post-Approval: Regular usage and timely repayments may lead to benefits such as fee waivers or credit limit increases.
  • Security Measures: Using card security features (e.g., fraud alerts) builds trust and reduces fraud risk.
  • Reward Redemption Habits: Strategic redemption maximizes the card's value given monthly caps on reward points.
  • Foreign Transaction Costs: The 3.5% foreign currency markup fee is significant for international use and should be considered.
  • Customer Support Accessibility: 24/7 customer support availability enhances cardholder satisfaction and trust.
  • Existing RBL Relationship: Having a prior relationship with RBL Bank (savings account, loan, or card) may improve approval odds.
  • Location: Urban applicants or those residing in serviceable pin codes have a higher chance of approval due to better coverage.
  • Occupation Type: Salaried professionals in stable companies or government roles are perceived as lower-risk applicants.
  • Income Level: Meeting or exceeding the minimum income requirement (typically ₹15,000–₹25,000/month) is essential for approval.
  • Debt-to-Income Ratio: A lower ratio indicates better capacity to manage credit and enhances the chance of approval.
  • Digital Verification Compliance: Successful video KYC and Aadhaar-based eKYC speed up application processing and build trust.
  • Application Accuracy: Submitting accurate and consistent information reduces delays and prevents rejections due to mismatches.
  • Past Defaults: Any history of loan or credit card defaults can lead to outright rejection or require stricter scrutiny.
  • Use of Offers & Promotions: Applicants applying during promotional campaigns or with referral codes may receive easier approval or added benefits.
  • Document Authenticity: Genuine and up-to-date documents (address proof, income proof, PAN) are crucial for a smooth process.

Frequently Asked Questions (FAQs)

What is the RBL Bank ShopRite Credit Card?
The RBL Bank ShopRite Credit Card is an entry-level credit card designed for frequent shoppers. It offers rewards on grocery purchases, movie ticket discounts, and fuel surcharge waivers. Available on MasterCard, Visa, and RuPay networks, it comes with features like a welcome bonus of 2,000 reward points, 5% value-back on groceries, and a 10% discount on BookMyShow movie tickets.
What are the key features of the RBL Bank ShopRite Credit Card?
The card offers:
- 20 reward points per ₹100 on grocery spends (max 1,000 points/month).
- 1 reward point per ₹100 on other retail purchases (excluding fuel).
- 2,000 reward points welcome bonus.
- 10% off (up to ₹100) on BookMyShow movie tickets (15 times/year).
- 1% fuel surcharge waiver (up to ₹100/month).
- Annual fee waiver on ₹1.5 lakh annual spends.
- Contactless payments and card on/off control via the RBL MyCard app.
- RuPay variant benefits like National Common Mobility Card (NCMC) and UPI integration.
What is the welcome bonus offered by the card?
New cardholders receive 2,000 reward points (worth ₹500) as a welcome bonus. To qualify, make a purchase within 30 days of card issuance and pay the annual fee by the due date. Bonus points are credited within 60 days.
How can I earn reward points with the ShopRite Credit Card?
Earn:
- 20 reward points per ₹100 on grocery shopping (capped at 1,000 points/month).
- 1 reward point per ₹100 on other retail spends, excluding fuel.
Points are credited within 45 days after purchase settlement.
Note: Utilities, insurance, EMI, and small offline UPI transactions on RuPay cards do not earn points.
How can I redeem my reward points?
Redeem points at rblrewards.com for flights, hotels, vouchers, and more. Each point is worth up to ₹0.25. A redemption fee of ₹99 + GST applies once per redemption day.
What is the annual fee for the ShopRite Credit Card?
The annual fee is ₹500 + GST, waived if you spend ₹1.5 lakh annually. The card is lifetime free for select users (e.g., transitioned from the RBL Edition Card). Some platforms may offer first-year fee waivers.
What is the fuel surcharge waiver benefit?
Enjoy a 1% fuel surcharge waiver up to ₹100 per month on fuel transactions between ₹500 and ₹4,000. This waiver appears in your monthly statement. Fuel reward points were discontinued from September 25, 2022.
How do I avail the movie ticket discount?
Get 10% off (up to ₹100) on BookMyShow movie tickets, valid 15 times a year.
To avail, select the “RBL Bank 10% Offer” at checkout on BookMyShow.
Is the ShopRite Credit Card lifetime-free?
Generally, the card has a ₹500 + GST annual fee. However, it is lifetime free for select users and the fee is waived if you spend ₹1.5 lakh annually.
What are the benefits of the RuPay variant of the card?
RuPay variant benefits include:
- National Common Mobility Card (NCMC) for contactless metro and bus payments.
- UPI integration for digital payments.
Note: Offline UPI transactions under ₹2,000 at small merchants do not earn rewards.
Who is eligible for the RBL Bank ShopRite Credit Card?
Eligibility:
- Age: 21 to 65 years for primary cardholders; 15+ for add-ons.
- Minimum monthly income: ₹25,000.
- Preferably 750+ credit score with clean history.
- 6 months employment for salaried; 1-2 years business continuity for self-employed.
- Residency in a serviceable city.
- Indian citizens preferred; non-residents require additional documents.
What documents are required to apply for the card?
Required documents:
- Completed application form.
- Identity proof (Aadhaar, PAN, Passport, etc.).
- Address proof (Utility bill, Passport, Rental agreement, etc.).
- Income proof (salary slips, ITRs, bank statements).
- PAN Card mandatory (Form 60 if unavailable).
- Recent photographs for offline applications.
- Add-on cardholders need identity and relationship proof.
How can I apply for the RBL Bank ShopRite Credit Card?
Apply online via rblbank.com, through third-party platforms like BankBazaar, or at RBL Bank branches. Fill out the application, submit documents, complete KYC, and track your application status.

List of RBL Bank ShopRite Credit Card Branches in Telangana

  • Mahabubnagar - Mahabubnagar Branch
  • Medchal - Medchal Branch
  • Nalgonda - Nalgonda Branch
  • Nizamabad - Nizamabad Branch
  • Siddipet - Siddipet Branch
  • Warangal - Warangal Branch
  • Zahirabad - Zahirabad Branch
  • Hyderabad - Gachibowli Branch
  • Hyderabad - Himayat Nagar Branch
  • Hyderabad - Banjara Hills Branch
  • Hyderabad - Jubilee Hills Branch
  • Hyderabad - Manikonda Branch
  • East Godavari - Kakinada
  • West Godavari - Kovvada (Kakinada E. Godavari)
  • Guntur - Lalupuram, Guntur
  • Nellore - Nellore
  • East Godavari - Peravaram
  • Chittoor - Thirumala
  • Krishna - Vijayawada
  • Visakhapatnam - Visakhapatnam