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Axis Bank Privilege Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of Axis Bank Privilege 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.

Axis Bank Privilege Credit Card

Axis Bank

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature
Axis Bank Privilege Credit Card

Axis Bank Privilege Credit Card

Axis Bank

RBL Bank ShopRite credit card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹1,500₹500
Fee waiver thresholdWaived at ₹2,50,000/yr spendNo waiver published
Min income₹35,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹12/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Travel₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr)—
Top reward rate2 EDGE miles/₹1505% on first ₹1,000/mo
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessDomestic airport lounge — about 2 visits per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis siteNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹12,500—

Stack mode (hold both)

Cap-aware split: ~₹70/yr combined NAV (₹58 vs best solo). Both annual fees apply.

Axis Bank Privilege Credit Card details →RBL Bank ShopRite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Privilege Credit Card leads RBL Bank ShopRite by about ₹42/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 Bank Privilege Credit Card vs RBL Bank ShopRite comparison table
FeatureAxis Bank Privilege Credit Card

Axis Bank

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹1,500₹500
Fee waiver thresholdWaived at ₹2,50,000/yr spendNo waiver published
Min income₹35,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹12/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Travel₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr)—
Top reward rate2 EDGE miles/₹1505% on first ₹1,000/mo
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessDomestic airport lounge — about 2 visits per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis siteNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹12,500—

Frequently asked questions

Which card has the lower annual fee?
RBL Bank ShopRite has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
Axis Bank Privilege Credit Card leads with an estimated ₹12/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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