RBL Bank · Entry
Shoprite Credit Card
Where it ranks across all 187 cards
#29 Groceries
2.5%
direct
#67 EMI
0.3%
direct
#123 Gaming
0.3%
direct
#124 Jewellery & watches
0.3%
direct
#135 Mobile / broadband
0.3%
direct
#148 Train tickets
0.3%
direct
#154 Cabs & transit
0.3%
direct
#162 Flights
0.3%
direct
#162 Hotels
0.3%
direct
#162 Health & pharmacy
0.3%
direct
#162 Other
0.3%
direct
#163 Electronics
0.3%
direct
#165 Dining out
0.3%
direct
#166 Food delivery
0.3%
direct
#166 Movies & events
0.3%
direct
#166 Fashion
0.3%
direct
#167 Online shopping
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
20 pts / Rs 100 on grocery shopping
5.00%this rule
20 pts / ₹100
how it works & source
Avail a maximum of 1,000 reward points per month.
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Fuel
earns nothing
Fuel & Auto purchases earn no reward points.
→ use FIRST Private here (6.6%)
detail & source
categories: Fuel · MCCs: 0032, 2541, 4001, 5542, 5541, 5172
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Utility bills
earns nothing
Utility bill payments earn no reward points.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Insurance
earns nothing
Insurance premium payments earn no reward points.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6310
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Rent
earns nothing
Real estate / rental payments earn no reward points.
→ use Axis Burgundy Private here (5.2%)
Education
earns nothing
Education payments earn no reward points.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8220, 8244, 8249, 8211, 8241, 8299
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Wallet load
earns nothing
Wallet / service provider loads earn no reward points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Government / tax
earns nothing
Government services payments earn no reward points.
→ use FIRST Private here (6.6%)
detail & source
categories: Government / tax · MCCs: 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
MCC 6050, Quasi-cash - foreign currency, money orders, crypto +4 more
earns nothing
Quasi-cash, cash and miscellaneous transactions earn no reward points.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 6050, 6051, 4829, 6011, 6010, 5960
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.