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?

Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/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

HDFC MoneyBack+ Credit Card vs Swiggy HDFC Bank Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, Swiggy HDFC Bank 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹11,460/yr.

HDFC MoneyBack+ Credit Card vs Swiggy HDFC Bank Credit Card vs RBL Bank ShopRite comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	Swiggy HDFC Bank Credit Card HDFC Bank	RBL Bank ShopRite RBL Bank
Annual fee	₹500	₹500	₹0
Min income (monthly)	₹20,000	₹25,000	₹15,000
Top reward rate	10X points	10%	5% on first ₹1,000/mo
Net annual value (moderate spend)	₹690/yr	₹12,150/yr	₹460/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	—	—

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?: Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/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	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank	HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC 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	₹500	₹0
Min income	₹20,000	₹25,000	₹15,000
Top reward rate	10X points	10%	5% on first ₹1,000/mo
Net value (moderate)	₹690/yr	₹12,150/yr	₹460/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →Swiggy HDFC Bank Credit Card details →RBL Bank ShopRite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons