Side-by-side · honest numbers
IndusInd Bank Pinnacle Credit Card vs Kotak White Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, Kotak White 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, RBL Bank ShopRite ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹380/yr.
| Feature | IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak White Credit Card Kotak Mahindra Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹7,075/yr | ₹80/yr | ₹460/yr |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Travel | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 5% on first ₹1,000/mo |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- RBL Bank ShopRite leads with an estimated ₹460/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.
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Kotak White Credit Card
Kotak Mahindra Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra 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 | ₹10,000 | ₹3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹7,075/yr | ₹80/yr | ₹460/yr |
| Groceries (offline) | — | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) |
| Travel | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 5% on first ₹1,000/mo |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/indusind-pinnacle-vs-kotak-white-vs-rbl-shopriteMore IndusInd Bank Pinnacle Credit Card comparisons
- IndusInd Bank Pinnacle Credit Card vs 811 Dream Different Credit Card
- IndusInd Bank Pinnacle Credit Card vs AU Altura Credit Card
- IndusInd Bank Pinnacle Credit Card vs AU Zenith Credit Card
- IndusInd Bank Pinnacle Credit Card vs American Express Gold Card
- IndusInd Bank Pinnacle Credit Card vs American Express Platinum Travel Card
- IndusInd Bank Pinnacle Credit Card vs American Express SmartEarn Credit Card
- IndusInd Bank Pinnacle Credit Card vs Amex Membership Rewards CC
- IndusInd Bank Pinnacle Credit Card vs Axis Bank ACE Credit Card
- IndusInd Bank Pinnacle Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Bank Pinnacle Credit Card vs Axis Bank Atlas Credit Card
- IndusInd Bank Pinnacle Credit Card vs Axis Bank Flipkart Credit Card
- IndusInd Bank Pinnacle Credit Card vs Axis Bank Magnus Credit Card