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?

SBI Card PRIME leads with an estimated ₹1,501/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 RBL Bank ShopRite vs SBI Card PRIME

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, RBL Bank ShopRite, SBI Card PRIME — 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, SBI Card PRIME ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹811/yr.

HDFC MoneyBack+ Credit Card vs RBL Bank ShopRite vs SBI Card PRIME comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	RBL Bank ShopRite RBL Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	Lifetime free	₹2,999
Fee waiver threshold	No waiver published	Lifetime free	₹5,00,000/yr
Min income	₹20,000/mo	₹15,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹460/yr	₹1,501/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	10X points	5% on first ₹1,000/mo	4X reward points
Primary reward cap	₹2,500 eligible spend/mo	₹1,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹500	—	₹3,000

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?: SBI Card PRIME leads with an estimated ₹1,501/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.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

RBL Bank ShopRite

RBL Bank

Card 3

SBI Card PRIME

SBI Card

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	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 CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	Lifetime free	₹2,999
Fee waiver threshold	No waiver published	Lifetime free	₹5,00,000/yr
Min income	₹20,000/mo	₹15,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹460/yr	₹1,501/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	10X points	5% on first ₹1,000/mo	4X reward points
Primary reward cap	₹2,500 eligible spend/mo	₹1,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹500	—	₹3,000

HDFC MoneyBack+ Credit Card details →RBL Bank ShopRite details →SBI Card PRIME details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons