RBL ShopRite Credit Card
The only card in India with 5% on both groceries AND fuel — two categories every other card ignores.
By Ashutosh · Updated June 2026
RBL ShopRite fills a unique gap: 5% on grocery stores and 5% on fuel. Every major card excludes fuel from rewards, and most give 1% or less on groceries. If you spend significantly on weekly groceries and monthly fuel, ShopRite earns rewards where no other card will.
The 5,000 points/month cap (₹1,250) and near-zero rates on other categories (0.25%) limit its use as a primary card. But as a dedicated grocery+fuel card paired with a better all-rounder, ShopRite adds genuine value that no other card can provide.
Families spending ₹10,000+/month on groceries and ₹5,000+/month on fuel. At these levels, ShopRite earns ₹750/month or ₹9,000/year on spending that every other card ignores.
You don't spend much on groceries or fuel. The 0.25% rate on everything else makes this useless as a primary card.
5% grocery/fuel, 2.5% movies, 1.25% online, 0.25% other · 5K pts/mo cap · 2000 welcome pts
The 5,000 points/month cap across grocery and fuel (at 20 pts/₹100) means your maximum beneficial spend in these categories is ₹25,000/month. At 5%, that's ₹1,250/month in rewards.
Spend ₹15K on groceries and ₹10K on fuel? You've hit the cap. The movie and online rates have the same shared cap, so the effective beneficial spend is ₹25K total across all accelerated categories.
Everything else (dining, travel, shopping) earns 0.25% — essentially nothing. Don't use this card for non-grocery/fuel purchases.
PROS
- Best grocery rate (5%)
- 5% fuel (very rare)
- Movie cashback
CONS
- ₹500 fee (not free)
- 5000 points/month cap
- Near-zero on most categories
- Grocery stores: 5% at grocery stores is unmatched. No other widely-available card gives more than 2.5% on groceries (SBI ELITE). ShopRite gives double.
- Fuel: 5% on fuel is extremely rare — almost every card in India excludes fuel or gives 0%. This is ShopRite's truly unique feature.
- Movies via BookMyShow: 2.5% on movie tickets — a nice secondary perk for moviegoers.
0.25% on dining, travel, utilities, and general shopping is near-zero. Use any other card.
1.25% online is below average. HDFC Millennia gives 5%.
0% on dining. SBI ELITE gives 2.5%, BOB Eterna gives 3.75%.
ShopRite for groceries (5%) and fuel (5%), ACE for everything else (1.5-5%). This combo has no weak categories.
View Axis ACE →ShopRite for groceries and fuel, Millennia for online shopping and food delivery. Two specialized cards covering each other's gaps.
View HDFC Millennia →Does 5% fuel cashback really work?
Yes, at fuel stations that accept the card. The 5% is credited as reward points (20 pts/₹100 at ₹0.25/point). Subject to the 5,000 pts/month shared cap.
Does it work at BigBasket/Blinkit?
The 5% grocery rate typically applies to physical grocery store transactions (MCC-coded as grocery). Online grocery platforms like BigBasket may code differently — check your statements.
Is the ₹500 fee waivable?
No fee waiver option. The ₹500 is a fixed annual charge. But with ₹15K/month grocery+fuel spend, you earn ₹750/month — the fee is recovered in the first month.