RBL Bank Platinum ShopGain Credit Card
One point/full ₹100 eligible ordinary spend. Up to ₹0.23/point follows the issuer example, not cash. Advertised utility boost is not scored due to later exclusions.
Try your spend →How this estimate works
RBL Platinum ShopGain advertises one point per full ₹100 on eligible ordinary purchases. The issuer benefit table values 1,200 points at up to ₹276, equivalent to an illustrative ₹0.23/point. This is not cash or a guaranteed catalogue rate. The product page also advertises 25 points/full ₹100 utilities with a 500-point monthly cap, but the same page says utilities ceased earning points in November 2023 and supplies a further October 2024 MCC exclusion update; the model follows the later exclusion and scores utilities at zero. It assumes one eligible purchase per month, requires 500 annual points for the RBL Rewards FAQ voucher minimum, subtracts a single annual ₹99+estimated GST redemption charge if worthwhile, and deducts the ₹1,499+estimated GST recurring annual card fee in ROI. Other exclusions include education, insurance, rent, wallet loads, fuel/auto, quasi-cash, rail, real estate, service providers, government/contracted services, Bills2Pay, EMI, miscellaneous and cash. Generic named merchant/payment routes without MCC proof score zero. The welcome/milestone points, fee waiver, discontinued lounge benefit and separate BookMyShow offer are omitted. Voucher inventory, merchant MCC and actual point conversion may differ.
Issuer terms
Platinum ShopGain earn, example value, exclusion updates and fee · RBL redemption threshold and fee
Terms checked 30 September 2026. The issuer utility offer conflicts with its later MCC exclusion.
Movie discount is a separate route
BookMyShow one free ticket on a pair up to ₹200, 2x monthly; all days. Select the applicable BookMyShow chip in the calculator. This route preserves its own conditions and does not stack retail reward points.
Read movie-route conditions