Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs RBL Bank ShopRite vs SBI SimplyCLICK
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, RBL Bank ShopRite, SBI SimplyCLICK — 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 SimplyCLICK ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹1,321/yr.
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | RBL Bank ShopRite RBL Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹30,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹460/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/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 | 10X points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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 SimplyCLICK leads with an estimated ₹1,781/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 SimplyCLICK
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 SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹30,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹460/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/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 | 10X points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-rbl-shoprite-vs-sbi-simplyclickMore Kotak Urbane Gold Credit Card comparisons
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