Side-by-side · honest numbers
IndusInd Legend Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of IndusInd Legend 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IndusInd Legend Credit Card
IndusInd Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | IndusInd Legend Credit Card IndusInd Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹500 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹936/yr | -₹30/yr |
| Groceries (offline) | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Top reward rate | 1 reward point/₹100 | 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 | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/indusind-legend-vs-rbl-shopriteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IndusInd Legend Credit Card leads RBL Bank ShopRite by about ₹966/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
| Feature | IndusInd Legend Credit Card IndusInd Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹500 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹936/yr | -₹30/yr |
| Groceries (offline) | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Top reward rate | 1 reward point/₹100 | 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 | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IndusInd Legend Credit Card leads with an estimated ₹936/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.
More IndusInd Legend Credit Card comparisons
- IndusInd Legend Credit Card vs 811 Dream Different Credit Card
- IndusInd Legend Credit Card vs AU Altura Credit Card
- IndusInd Legend Credit Card vs AU Altura+ Credit Card
- IndusInd Legend Credit Card vs AU LIT Credit Card
- IndusInd Legend Credit Card vs AU Zenith Credit Card
- IndusInd Legend Credit Card vs American Express Gold Card
- IndusInd Legend Credit Card vs American Express Platinum Travel Card
- IndusInd Legend Credit Card vs American Express SmartEarn Credit Card
- IndusInd Legend Credit Card vs Amex Membership Rewards CC
- IndusInd Legend Credit Card vs Axis Bank ACE Credit Card
- IndusInd Legend Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Legend Credit Card vs Axis Bank Atlas Credit Card