Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI SimplyCLICK leads with an estimated ₹1,781/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 Platinum Chip vs RBL Bank ShopRite vs SBI SimplyCLICK

Honest side-by-side comparison of ICICI Platinum Chip, RBL Bank ShopRite, SBI SimplyCLICK — 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 SimplyCLICK ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹1,321/yr.

ICICI Platinum Chip vs RBL Bank ShopRite vs SBI SimplyCLICK comparison table
Feature	ICICI Platinum Chip ICICI Bank	RBL Bank ShopRite RBL Bank	SBI SimplyCLICK SBI Card
Annual fee	₹0	₹0	₹499
Min income (monthly)	₹18,000	₹15,000	₹20,000
Top reward rate	1 RP/₹150	5% on first ₹1,000/mo	10X points
Net annual value (moderate spend)	-₹142/yr	₹460/yr	₹1,781/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	₹500

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI SimplyCLICK leads with an estimated ₹1,781/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	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip 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	SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Annual fee	₹0	₹0	₹499
Min income	₹18,000	₹15,000	₹20,000
Top reward rate	1 RP/₹150	5% on first ₹1,000/mo	10X points
Net value (moderate)	-₹142/yr	₹460/yr	₹1,781/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	₹500

ICICI Platinum Chip details →RBL Bank ShopRite details →SBI SimplyCLICK details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Platinum Chip comparisons