CardHungry

Side-by-side · honest numbers

PhonePe SBI Card PURPLE vs RBL Bank ShopRite

Honest side-by-side comparison of PhonePe SBI Card PURPLE, 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.

PhonePe SBI Card PURPLE

SBI Card

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature
PhonePe SBI Card PURPLE credit card

PhonePe SBI Card PURPLE

SBI Card

RBL Bank ShopRite credit card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹499₹500
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr-₹30/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo—
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%5% on first ₹1,000/mo
Primary reward cap₹750 rewards/mo cap₹1,000 eligible spend/mo
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsNot supported (Visa/MC)
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹3,670/yr combined NAV (₹229 vs best solo). Both annual fees apply.

PhonePe SBI Card PURPLE details →RBL Bank ShopRite details →

Share this comparison

https://cardhungry.com/in/en/compare/phonepe-sbi-purple-vs-rbl-shoprite

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads RBL Bank ShopRite by about ₹3,471/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

PhonePe SBI Card PURPLE vs RBL Bank ShopRite comparison table
FeaturePhonePe SBI Card PURPLE

SBI Card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual fee₹499₹500
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr-₹30/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo—
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%5% on first ₹1,000/mo
Primary reward cap₹750 rewards/mo cap₹1,000 eligible spend/mo
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsNot supported (Visa/MC)
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent
Bonuses
Signup bonus₹500—

Frequently asked questions

Which card has the lower annual fee?
PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
PhonePe SBI Card PURPLE leads with an estimated ₹3,441/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.

More PhonePe SBI Card PURPLE comparisons