As RBL Bank has discontinued its Edition Program, all RBL Bank Edition Cardholders were moved to RBL Shoprite Credit Card. Customers who owned the lifetime-free variant of Edition Card will also get the Shoprite Card lifetime-free. While Edition Card was a dining focused credit card launched with Zomato, Shoprite does not offer any dining benefits. As a result, many cardholders are dissatisfied with the transition. If you are also confused whether you should continue using this card or switch to a different option, here is a detailed review of its features.
Features and Benefits of RBL Bank Shoprite Credit Card
Welcome Benefit: On paying the joining fee of this card, you can earn 2,000 reward points as a welcome gift
Value Back: The cardholder can earn value back on grocery and fuel at the following rates:
- Groceries- 5% value back (20 reward points for every Rs.100)
- Fuel- 2.5% value back (10 reward points for every Rs.100)
Note: Fuel based reward points have been discontinued from September 25, 2022.
Movie Benefits: Get a 10% discount (up to Rs. 100) on movie tickets at BookMyShow 15 times a year
Reward Points: Earn 1 Reward Point for every Rs. 100 spent on all the purchases apart from fuel
Fuel Surcharge Waiver: Get fuel surcharge waiver at all fuel stations for transactions ranging between Rs. 500 and Rs. 4,000. Maximum surcharge capped at Rs. 100 per month.
Annual Fee Reversal: Get your annual fee reversed on spends of Rs. 1 Lakh in the previous year
Should you get this card?
RBL Shoprite can be a good entry-level card, especially if you are looking to get decent benefits on groceries and entertainment. However, for someone who already has a credit card with a good base reward rate like HDFC Regalia or SBI Card PRIME, this card would not add much value.
RBL Bank Edition Cardholders who have been moved to the Shoprite Card should see whether this card offers benefits on a category that are not covered by their existing credit cards. For example, if you have a fuel credit card like BPCL SBI Card or a card that offers benefits on groceries such as Standard Chartered Manhattan Credit Card, you should consider switching to a different RBL Card that better aligns with your requirements. Also, as it is a lifetime-free card, you can keep the card account open as it would help lower your CUR and help you maintain a good credit score.
Value-back Comparison: RBL Shoprite vs. SBI SimplyCLICK vs. Standard Charterered Manhattan
| Transaction | Amount (in Rs.) | Reward Points on RBL Shoprite | Reward Points on SBI SimplySAVE | Reward Points on StanC Manhattan |
| Online Grocery Spends | 10,000 | 1,000 (maximum cap) | 667 | Rs. 500 |
| Departmental Store Spends | 8,000 | 0 (as the maximum cap has already been reached) | 533 | Rs. 400 |
| Fuel | 8,000 | 0 | 0 | 160 |
| Movie Tickets | 2,000 | 20 | 133 | 40 |
| Dining | 5,000 | 50 | 333 | 100 |
| Apparel | 5,000 | 50 | 33 | 100 |
| Other Offline Spends | 2,000 | 20 | 13 | 40 |
| TOTAL | 40,000 | 1,140 points | 1,712 points | Rs. 900 cashback + 440 points |
Since the fuel benefit on RBL Shoprite has also been discontinued from September, 2022, this card only holds value for beginners who may not be eligible for better cards. As we can see from the comparison above, Standard Chartered Manhattan Credit Card would be a much better choice.