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 My Zone Credit Card leads with an estimated ₹3,970/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 Bank My Zone Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of Axis Bank My Zone 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 My Zone Credit Card leads RBL Bank ShopRite by about ₹3,510/yr in estimated net value.

Axis Bank My Zone Credit Card vs RBL Bank ShopRite comparison table
Feature	Axis Bank My Zone Credit Card Axis Bank	RBL Bank ShopRite RBL Bank
Annual fee	₹500	₹0
Min income (monthly)	₹20,000	₹15,000
Top reward rate	4%	5% on first ₹1,000/mo
Net annual value (moderate spend)	₹3,970/yr	₹460/yr
Secured / FD-backed	No	No
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 My Zone Credit Card leads with an estimated ₹3,970/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.

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Your adjusted comparison

Feature	Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone 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
Annual fee	₹500	₹0
Min income	₹20,000	₹15,000
Top reward rate	4%	5% on first ₹1,000/mo
Net value (moderate)	₹3,970/yr	₹460/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

Axis Bank My Zone Credit Card details →RBL Bank ShopRite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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