RBL Bank Shoprite Credit Card
RBL Bank • Mastercard / Visa / RuPay
5% valueback (20 Reward Points per ₹100) on grocery purchases (max 1000 pts/mo); 10% BookMyShow movie discount; 2.5% fuel valueback
Underwriting & Income Cutoffs
warningStrict 1000 Monthly Points Cap on Grocery Accelerated Spends
The 20 RP/₹100 (5% valueback) benefit is capped at exactly 1000 reward points per calendar month corresponding to ₹5000 spend. Spends beyond this earn base 1 RP/₹100.
Grocery pe 5% valueback sirf mahine ke pehle ₹5000 kharche par milta hai (max 1000 points). Uske baad normal 0.25% reward rate lagta hai.
Source: RBL Bank Shoprite Product Terms & Conditions Section 2.1
warningComprehensive Zero-Reward MCC Exclusion List
Effective October 15 2024 transactions on Utilities (4900) Insurance (6300 6310) Rental (6513) Education (8211 8220 8299) Wallet load (6540) Government services and Fuel earn zero reward points.
Rent, Bijli-Paani ke bill, Insurance, School fees, aur Wallet load par ek bhi reward point nahi milta.
Source: RBL Bank Notice on MCC Revisions dated September 2024 & MITC Clause 2.12
warningReward Redemption Fee of ₹99 Plus GST
A redemption handling fee of ₹99 + 18% GST (₹116.82) is charged per day of redemption on the RBL Rewards portal wiping out value on small points redemptions.
Reward points redeem karne par har baar ₹99 + GST ka extra charge lagta hai jisse chhota balance redeem karna nuksaandeh hota hai.
Source: RBL-MITC-final.pdf Schedule of Charges Section 3
Calculate Your Real Annual Profit on RBL Bank Shoprite Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind RBL Bank Shoprite Credit Card
RBL Bank Shoprite Credit Card (RBL Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 5% tak ka value back chahte hain. Lekin ₹500 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (5% return): Fee recover karne ke liye sirf ₹833 / mahina (₹10,000 / saal) spend zaroori hai.
• Regular Offline Spends (0.25% base return): Fee recover karne ke liye lagbhag ₹16,667 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹10,000 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹833/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of RBL Bank Shoprite Credit Card and how can it be waived?expand_more
RBL Bank Shoprite Credit Card ki joining aur annual renewal fee ₹500 + 18% GST (Total: ₹590.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for RBL Bank Shoprite Credit Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹25,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does RBL Bank Shoprite Credit Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.