RBL Bank Shoprite Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Fuel
• Utility bills
• Insurance premiums
• Railway bookings
• Rent
• Wallet loads
• Cash withdrawals and fees (since 15 October 2024)
• Money transfers (since 15 October 2024)
• Education fees (since 15 October 2024)
• Government payments (since 15 October 2024)
• EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

• 1% on Fee on Rental Transactions, plus GST
• 1% on Fee on Utility Spends, plus GST

Fees

• Annual fee: ₹500, plus 18% GST
• Joining fee: ₹500
• Annual fee waived on ₹1,50,000 of spend in a card year

Welcome benefit: 2,000 Reward Points on paying the joining fee and meeting a spend condition.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

• product page, rbl.bank.in
• card T&C, webassets.rbl.bank.in (PDF)
• MITC cum KFS, webassets.rbl.bank.in (PDF)
• Cardmember Agreement, webassets.rbl.bank.in (PDF)
• RBL rewards programme T&C, rblrewards.rbl.bank.in

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read RBL Bank's mail yet, so the audit can't check your swipes on it. Which banks we read

Other RBL Bank cards

Every card we have rules for