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RBL Bank Shoprite Credit Card

Product Details
Credit Card Name : 

RBL Bank Shoprite Credit Card

Bank Name :

RBL Bank

Type :

Rewards Credit Card

Interest Rate : 

3.99% p.m (upto 47.88% p.a).

Eligibility :

Minimum age of the card holders should be 18. 
Only Indian residents can apply.

RBL Bank Shoprite Credit Card
Pros
  • Welcome Benefits: The Cardholder is entitled to a ‘welcome benefit’ of 2000 reward points on making a valid retail transaction within 30 days from the date of the Card being issued by RBL Bank, and by paying the joining fees as reflected in the first Statement.

  • Reward System: 1 Reward Point = INR 0.25. 1 Reward Point for every Rs.100 spent on all your purchases except fuel. 20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in store gorcery shopping cashback rate: 5%. 10 Reward Points for every Rs.100 when they use their card for fuel, effective fuel cashback rate: 2.5%. Genetal cashback Rate: 0.25% for all purchases except fuel and grocery.

Cons
  • Low cashback rate. 

  • Lacks standard features like free lounge visits. 

  • Limited value add features.

Pros & Cons
Welcome Benefits

Welcome Benefits: The Cardholder is entitled to a ‘welcome benefit’ of 2000 reward points on making a valid retail transaction within 30 days from the date of the Card being issued by RBL Bank, and by paying the joining fees as reflected in the first Statement.

Rewards System

Reward System: 1 Reward Point = INR 0.25. 1 Reward Point for every Rs.100 spent on all your purchases except fuel. 20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in-store gorcery shopping cashback rate: 5%. 10 Reward Points for every Rs.100 when they use their card for fuel, effective fuel cashback rate: 2.5%. General cashback Rate: 0.25% for all purchases except fuel and grocery.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in store gorcery shopping cashback rate: 5%.

Eligibility Criteria

Minimum age of the card holders should be 18. 
Only Indian residents can apply.

Benefits
  • Lifetime free card

  • Entertainment and Shopping Benefits

  • Cashback rate is very good

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Here are the steps on how to apply for the RBL Bank Shoprite Credit Card:

  • Go to the RBL Bank website and click on the "Apply for Credit Card" tab.

  • Select the "Shoprite Credit Card" from the list of credit cards.

  • Enter your personal details, such as your name, date of birth, email address, and mobile number.

  • Enter your employment details, such as your employer's name, your designation, and your monthly income.

  • Provide your residential address and your PAN card number.

  • Upload a scanned copy of your PAN card.

  • Click on the "Submit" button.

  • An RBL Bank representative will contact you to verify your details and to complete the application process.

Contact Details

RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com

Account Opening and Procedure
RBL Bank Shoprite Credit Card

RBL Bank Shoprite Credit Card is a great credit card for students and freshers because of the cashback it offers. However, since the cashback is capped it may not be of much use for high earners.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/annual Fees: Rs 500.

  • 2nd Year Annual fees is waived off on annual spends of Rs 1.5 lac or more.

  • Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)

  • Interest Rate: upto 3.99% p.m (upto 47.88% p.a)

  • Late Payment fees: 15% of Total amount due (Min Rs.50, Max Rs.1,500).

  • Foreign Mark up: 3.5%.

  • Fuel Surcharge: 1% surcharge on fuel transaction value or Rs.10/- whichever is higher.

  • Reward Redemption fees: INR 99.

  • Rental fees: 1% fees on all rental transaction. 

  • Over Limit Penalty: INR 600.

  • EMI Processing fees : INR 199 + GST

Fuel Surcharge

1%, waived upto INR 100 per month.

Billing Cycle

30 days.

Fees & Charges
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