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.

Side-by-side · honest numbers

Kotak Urbane Gold Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of Kotak Urbane Gold 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 leads Kotak Urbane Gold Credit Card by about ₹320/yr in estimated net value.

Kotak Urbane Gold Credit Card vs RBL Bank ShopRite comparison table
Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	RBL Bank ShopRite RBL Bank
Fees & eligibility
Annual fee	₹1,999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹460/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	3X 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	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.

Card 1

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Card 2

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature	Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold 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	₹1,999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹460/yr
Groceries (offline)	—	5% cashback → ₹50/mo (₹600/yr) (cap hit)
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	3X 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	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Kotak Urbane Gold 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

More Kotak Urbane Gold Credit Card comparisons