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 Airtel Credit Card leads with an estimated ₹8,070/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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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

Axis Bank Airtel Credit Card vs RBL Bank ShopRite vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Axis Bank Airtel Credit Card, RBL Bank ShopRite, SBI Card against Fixed Deposit — 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 Airtel Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹6,300/yr.

Axis Bank Airtel Credit Card vs RBL Bank ShopRite vs SBI Card against Fixed Deposit comparison table
Feature	Axis Bank Airtel Credit Card Axis Bank	RBL Bank ShopRite RBL Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹500	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹15,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹8,070/yr	₹460/yr	₹1,770/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—	—
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—	—
Top reward rate	25%	5% on first ₹1,000/mo	80% of FD value
Primary reward cap	₹250 rewards/mo cap	₹1,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent	Not stated
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 Airtel Credit Card leads with an estimated ₹8,070/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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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

Axis Bank Airtel Credit Card

Axis Bank

Card 2

RBL Bank ShopRite

RBL Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis 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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹500	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹15,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	₹8,070/yr	₹460/yr	₹1,770/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Dining & delivery	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—	—
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—	—
Top reward rate	25%	5% on first ₹1,000/mo	80% of FD value
Primary reward cap	₹250 rewards/mo cap	₹1,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent	Not stated
Bonuses
Signup bonus	—	—	—

Axis Bank Airtel Credit Card details →RBL Bank ShopRite details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Airtel Credit Card comparisons