RBL Bank ShopRite Credit Card: Benefits & Apply

Summary

Designed mostly for those who regularly spend on groceries and basic shopping, the RBL Bank ShopRite Credit Card is profitable and reasonably priced.  Starting with a 5% value in the form of reward points on departmental and grocery store purchases, it is a fantastic choice for home consumers.

Moreover, the card does not stop at grocery store benefits.  Every ₹100 spent on other purchases also earns one reward point, so allowing customers to routinely profit from daily transactions.  Apart from this, you could earn a fuel fee waiver of up to ₹100 every month, which boosts your monthly savings, especially for regular drivers. 

Moreover, the card provides a welcome bonus of 2,000 reward points after the first transaction, thereby making your vacation valuable from the start.  The RBL MyCard app also lets you direct from your smartphone total control over your spending, bill payments, and reward monitoring.

Introduction

Using a credit card not only helps control spending but also provides interesting discounts and rewards in the hectic environment of today. Among the several choices on the market, consumers find the RBL Bank ShopRite Credit Card to be rather popular. This card provides a range of incentives catered to your needs, whether you love shopping for groceries, regularly visit departmental stores, or even enjoy getting cashback on your daily transactions. For this reason, many individuals who wish to save more while making wise purchases are selecting the RBL ShopRite Credit Card.

First of all, this card is meant specifically for people who routinely shop and pay for food. Daily, it provides pleasing cashback and reward points. Therefore, this card will surely provide you with extra returns if you are someone who spends a decent sum on monthly groceries or personal care products. Moreover, it makes your shopping with extra savings more joyful thanks to incentive programs and discounts.

Apart from groceries, the RBL ShopRite Credit Card offers perks related to fuel cost relief. Every time you fill your car with gasoline, you can save money. This little but handy advantage accumulates over time and helps lower your total monthly costs as fuel prices keep rising. You also accumulate points in other areas, including utility bill payments, internet buying, and more.

The card also features simple eligibility and a rapid application process. Depending on your inclination, you may apply for this card online or offline. Online applications save time, are easy, a nd hassle-free. All you have to do is provide your basic information and send the needed paperwork. Your card arrives straight at your house once accepted.

What is the RBL Bank ShopRite Credit Card?

Designed especially to save money while shopping for daily requirements, the RBL Bank ShopRite Credit Card is a great option for those who routinely shop at supermarkets or departmental stores, buy groceries, house goods, and make Regular purchases. This card entitles one to interesting reward points, rebates, and other incentives.

For individuals who wish to get incentives every time they spend, the card is quite helpful. Along with benefits on groceries, a fuel surcharge waiver helps you save on gasoline. Besides that, you get points on all other transactions, which makes this card a well-rounded everyday use tool.

How is the design of the RBL Bank ShopRite Credit Card?

Simple, engaging, and easy to use is the RBL Bank ShopRite Credit Card. First of all, with its clean, modern style and brilliant colors, the card reflects the idea of wise buying. Usually in tones of orange or red, it radiates freshness and vitality, including designs for shopping carts.

Like most standard credit cards, the one I use is lightweight and made of quality plastic. It is an everyday use and fits pretty nicely in wallets. It also includes an EMV chip to provide additional security and to secure your transactions.

What are the benefits of the RBL Bank ShopRite Credit Card?

The main advantages of the card are listed below in straightforward language:

1 5% Value Back-off for Grocery Shopping

First of all, you get 5% value—that is, reward points—back from departmental and grocery store purchases. Families who routinely spend on monthly basics will especially benefit from this.

2. All Spending Reward Points

Apart from grocery benefits, you get one reward point for every ₹100 spent in all other categories (excluding gasoline). Later on, these points can be used for vouchers, presents, and other fantastic deals.

3. Waiver of Fuel Surcharge

One necessary expense is fuel. On purchases between ₹500 and ₹4,00,0, this card entitles you to a fuel surcharge remission of up to ₹100 per month. This is over time. Time makes your fuel purchases more reasonably priced.

4. Bonus Welcome

You can gain 2,000 reward points as a welcome gift following your first transaction with the card. This advantage gives a head start on daily earnings and savings.

5. Simple App-Based Card Management

The RBL MyCard app lets you simply handle your card from your mobile. From your phone, you may read statements, check rewards, track expenses, and pay.

6. Reasonable Annual Charge

The RBL ShopRite Credit Card has a modest and reasonable annual cost; occasionally, it can even be waived completely if you spend a sufficient amount over the year.

7. Secure Transactions 

The card comes with an EMV chip for enhanced protection.  This helps protect you against fraud and ensures safe transactions, both online and offline. 

8. Accepted Nationwide 

Since it’s a Visa/Mastercard-powered card, it is generally recognized across India, whether you are shopping online, visiting supermarkets, or paying at local stores. 

What are the fees for the RBL Bank ShopRite Credit Card?

Here is a simple breakdown of the  RBL Bank ShopRite Credit Card fees.

Joining Fee	Lifetime Free
Annual Fee	Lifetime Free
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an RBL Bank ShopRite Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an RBL Bank ShopRite Credit Card?

The documents that you will have to submit to get the RBL Bank ShopRite Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the RBL Bank ShopRite Credit Card be used?

Here is the list of places where you can use it:

• With the RBL Bank ShopRite Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  RBL Bank ShopRite Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The RBL Bank ShopRite Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the RBL Bank ShopRite Credit Card?

The credit amount you can spend is what you are provided with when you have an RBL Bank ShopRite Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an RBL Bank ShopRite Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the RBL First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the RBL Bank ShopRite Credit Card.

• Just hover your cursor on the  RBL Bank ShopRite Credit Card and select ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest RBL First Bank branch to apply for the RBL Bank ShopRite Credit Card.

• Request the credit card application form for the  RBL Bank ShopRite Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  RBL Bank ShopRite Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an RBL Bank ShopRite Credit Card in 2025 be the right choice?

Obtaining the RBL Bank ShopRite Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In the end, those who want to maximize their everyday expenses—people and households—should choose the RBL Bank ShopRite Credit Card as their perfect financial buddy. Whether you’re shopping for groceries, paying utilities, or making other lifestyle needs purchases, this card provides you with a wide spectrum of rewards that truly value your money.

Moreover, it not only saves but also lets you experience fascinating advantages without changing your consumption patterns with tools like 5% value back on food purchases, reward points on all other spends, and fuel surcharge exemption. Apart from that, the simple card handling using the MyCard app accentuates this card even more and raises user-friendliness by means of the welcome bonus.

Furthermore considered should be the reasonable annual cost should be considered; if you meet the required expenditure criteria, you may be free from it. This implies that you can get all these benefits usually for a very inexpensive cost or none at all. Excellent security features like the EMV chip also ensure that your transactions are free of worry and safe.

Frequently Asked Questions (FAQ’s)