Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs RBL Bank ShopRite vs SBI Cashback Credit Card
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, RBL Bank ShopRite, SBI Cashback Credit Card — 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 Cashback Credit Card ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹6,290/yr.
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | RBL Bank ShopRite RBL Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹30,000/mo | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹460/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/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 | 5% |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹2,000 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads |
| 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?
- SBI Cashback Credit Card leads with an estimated ₹6,750/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.
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
RBL Bank ShopRite
RBL Bank
SBI Cashback Credit Card
SBI Card
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 | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹30,000/mo | ₹15,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹460/yr | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/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 | 5% |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹2,000 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-rbl-shoprite-vs-sbi-cashbackMore Kotak Urbane Gold Credit Card comparisons
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