Which card has the lower annual fee?

Axis IOCL Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Axis IOCL Credit Card leads with an estimated ₹910/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

Axis IOCL Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of Axis IOCL 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

Customize your spend

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

Spend assumptions

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

Card 1

Axis IOCL Credit Card

Axis Bank

Card 2

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature	Axis IOCL Credit Card Axis Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	-₹30/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)	₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Fuel	₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	5% on first ₹1,000/mo
Primary reward cap	₹5,000 eligible spend/mo	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹1,204/yr combined NAV (₹294 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →RBL Bank ShopRite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis IOCL Credit Card leads RBL Bank ShopRite by about ₹940/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

Axis IOCL Credit Card vs RBL Bank ShopRite comparison table
Feature	Axis IOCL Credit Card Axis Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	-₹30/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)	₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Fuel	₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	5% on first ₹1,000/mo
Primary reward cap	₹5,000 eligible spend/mo	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Axis IOCL Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Axis IOCL Credit Card leads with an estimated ₹910/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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