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AU LIT Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of AU LIT Credit Card, RBL Bank ShopRite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

AU LIT Credit Card

AU Small Finance Bank

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature
AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

RBL Bank ShopRite credit card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹1,50,000/yr spend
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹156/yr₹560/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate1 RP/₹1005% on first ₹1,000/mo
Primary reward cap₹2,000 rewards/mo cap₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹732/yr combined NAV (₹172 vs best solo). Both annual fees apply.

AU LIT Credit Card details →RBL Bank ShopRite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, RBL Bank ShopRite leads AU LIT Credit Card by about ₹404/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

AU LIT Credit Card vs RBL Bank ShopRite comparison table
FeatureAU LIT Credit Card

AU Small Finance Bank

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeWaived at ₹1,50,000/yr spend
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹156/yr₹560/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate1 RP/₹1005% on first ₹1,000/mo
Primary reward cap₹2,000 rewards/mo cap₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
RBL Bank ShopRite leads with an estimated ₹560/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.

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