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?

ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/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

ICICI Bank MakeMyTrip Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of ICICI Bank MakeMyTrip 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, ICICI Bank MakeMyTrip Credit Card leads RBL Bank ShopRite by about ₹3,440/yr in estimated net value.

ICICI Bank MakeMyTrip Credit Card vs RBL Bank ShopRite comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹999	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free
Min income	₹35,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹460/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	10X reward points	5% on first ₹1,000/mo
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—

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?: ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/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

ICICI Bank MakeMyTrip Credit Card

ICICI Bank

Card 2

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI 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
Fees & eligibility
Annual fee	₹999	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free
Min income	₹35,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹460/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—
Top reward rate	10X reward points	5% on first ₹1,000/mo
Primary reward cap	No monthly cap published	₹1,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—

ICICI Bank MakeMyTrip Credit Card details →RBL Bank ShopRite details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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