Which card has the lower annual fee?

RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.

Which card has the lower income requirement?

RBL Bank ShopRite lists a minimum monthly income of ₹15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Gold Card vs RBL Bank ShopRite vs SBI Card PRIME

Honest side-by-side comparison of American Express Gold Card, RBL Bank ShopRite, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card PRIME ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹931/yr.

American Express Gold Card vs RBL Bank ShopRite vs SBI Card PRIME comparison table
Feature	American Express Gold Card American Express	RBL Bank ShopRite RBL Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	Lifetime free	₹2,999
Fee waiver threshold	No waiver published	Lifetime free	₹5,00,000/yr
Min income	₹60,000/mo	₹15,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹460/yr	₹1,501/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	—	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	4X Membership Rewards/₹150	5% on first ₹1,000/mo	4X reward points
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

Frequently asked questions

Which card has the lower annual fee?: RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.
Which card has the lower income requirement?: RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

American Express Gold Card

American Express

Card 2

RBL Bank ShopRite

RBL Bank

Card 3

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express	RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	Lifetime free	₹2,999
Fee waiver threshold	No waiver published	Lifetime free	₹5,00,000/yr
Min income	₹60,000/mo	₹15,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹460/yr	₹1,501/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	—	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	4X Membership Rewards/₹150	5% on first ₹1,000/mo	4X reward points
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

American Express Gold Card details →RBL Bank ShopRite details →SBI Card PRIME details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express Gold Card comparisons