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ICICI Coral Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of ICICI Coral 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.

ICICI Coral Credit Card

ICICI Bank

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature
ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

RBL Bank ShopRite credit card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹30,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹50/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate2 RP/₹1005% on first ₹1,000/mo
Primary reward cap₹100/ticket₹1,000 eligible spend/mo
Perks & restrictions
Lounge access4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Coral Credit Card details →RBL Bank ShopRite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, RBL Bank ShopRite leads ICICI Coral Credit Card by about ₹20/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

ICICI Coral Credit Card vs RBL Bank ShopRite comparison table
FeatureICICI Coral Credit Card

ICICI Bank

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹30,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹50/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate2 RP/₹1005% on first ₹1,000/mo
Primary reward cap₹100/ticket₹1,000 eligible spend/mo
Perks & restrictions
Lounge access4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
ICICI Coral Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
RBL Bank ShopRite leads with an estimated -₹30/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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