Key Details
₹2.5L
Min Income (Annual)
Rewards
5% on grocery (BigBasket, Nature's Basket, DMart); 1% on others
Best For
Grocery and daily essentials shopping
Lounge Access
None
Fuel Surcharge Waiver
1% on ₹500-3000 transactions
Crediya's Verdict
RBL ShopRite is a niche card for grocery enthusiasts. If you spend ₹10K+/month on groceries at partner stores, the 5% cashback is hard to beat. However, the ₹500/month cap limits heavy spenders, and RBL's customer service reputation is a concern. Best used as a dedicated grocery card alongside a primary all-rounder.
Pros
✓ 5% cashback on grocery stores
✓ Works on BigBasket, Nature's Basket, DMart
✓ Low annual fee of ₹500
✓ Annual fee waiver on ₹2L spend
✓ Fuel surcharge waiver
Cons
✗ 5% limited to specific grocery merchants
✗ Low base reward rate (1%)
✗ RBL customer service is inconsistent
✗ No lounge access
✗ Limited bank ATM network
Hidden Fees & Charges
⚠ Late payment: ₹500-1100
⚠ Cash advance: 2.5% (min ₹500)
⚠ Forex markup: 3.5%
⚠ Over-limit: 2.5%
⚠ Grocery cashback capped at ₹500/month