Side-by-side · honest numbers
Axis Bank ACE Credit Card vs Kotak Royale Signature Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of Axis Bank ACE Credit Card, Kotak Royale Signature Credit Card, RBL Bank ShopRite — 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, Axis Bank ACE Credit Card ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹6,200/yr.
| Feature | Axis Bank ACE Credit Card Axis Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹140/yr | ₹460/yr |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 2X reward points | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- Axis Bank ACE Credit Card leads with an estimated ₹6,660/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.
Axis Bank ACE Credit Card
Axis Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank ACE Credit Card •••• •••• •••• 4242 Quick facts Axis Bank ACE Credit Card Top reward5% Annual fee₹499 Min income₹20,000/mo Tap to flip back Axis Bank ACE Credit Card Axis Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹140/yr | ₹460/yr |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 2X reward points | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-ace-vs-kotak-royale-vs-rbl-shopriteMore Axis Bank ACE Credit Card comparisons
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