Side-by-side · honest numbers
RBL Bank Icon Credit Card vs RBL Bank ShopRite vs SBI Card ELITE
Honest side-by-side comparison of RBL Bank Icon Credit Card, RBL Bank ShopRite, SBI Card ELITE — 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 Card ELITE ranks first for estimated net annual value — ahead of RBL Bank ShopRite by about ₹1,241/yr.
| Feature | RBL Bank Icon Credit Card RBL Bank | RBL Bank ShopRite RBL Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹4,999 |
| Fee waiver threshold | No waiver published | Lifetime free | ₹10,00,000/yr |
| Min income | ₹50,000/mo | ₹15,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,920/yr | ₹460/yr | ₹1,701/yr |
| Groceries (offline) | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) | — |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2X points/₹150 | 5% on first ₹1,000/mo | 5X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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 Card ELITE leads with an estimated ₹1,701/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.
RBL Bank Icon Credit Card
RBL Bank
RBL Bank ShopRite
RBL Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL 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 CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹4,999 |
| Fee waiver threshold | No waiver published | Lifetime free | ₹10,00,000/yr |
| Min income | ₹50,000/mo | ₹15,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,920/yr | ₹460/yr | ₹1,701/yr |
| Groceries (offline) | — | 5% cashback → ₹50/mo (₹600/yr) (cap hit) | — |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2X points/₹150 | 5% on first ₹1,000/mo | 5X reward points |
| Primary reward cap | No monthly cap published | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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https://cardhungry.com/in/en/compare/rbl-icon-vs-rbl-shoprite-vs-sbi-eliteMore RBL Bank Icon Credit Card comparisons
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