Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Kotak League Platinum leads with an estimated ₹911/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

Kotak League Platinum vs RBL Bank ShopRite

Honest side-by-side comparison of Kotak League Platinum, 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.

Card 1

Kotak League Platinum

Kotak Mahindra Bank

Card 2

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature	Kotak League Platinum Kotak Mahindra Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹499	₹500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	-₹30/yr
Groceries (offline)	—	₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate	2 RP/₹150	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.

Kotak League Platinum details →RBL Bank ShopRite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak League Platinum leads RBL Bank ShopRite by about ₹941/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

Kotak League Platinum vs RBL Bank ShopRite comparison table
Feature	Kotak League Platinum Kotak Mahindra Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹499	₹500
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	-₹30/yr
Groceries (offline)	—	₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate	2 RP/₹150	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?: Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: Kotak League Platinum leads with an estimated ₹911/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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