Which card has the lower annual fee?

SBI Card PRIME has the lowest annual fee at ₹2,999.

Which card earns more on moderate spend?

SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card PRIME lists a minimum monthly income of ₹45,000.

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

RBL Bank Icon Credit Card vs SBI Card PRIME

Honest side-by-side comparison of RBL Bank Icon Credit Card, SBI Card PRIME — 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 PRIME leads RBL Bank Icon Credit Card by about ₹6,421/yr in estimated net value.

RBL Bank Icon Credit Card vs SBI Card PRIME comparison table
Feature	RBL Bank Icon Credit Card RBL Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹5,000	₹2,999
Fee waiver threshold	No waiver published	₹5,00,000/yr
Min income	₹50,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,920/yr	₹1,501/yr
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	2X points/₹150	4X reward points
Primary reward cap	No monthly cap published	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)	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

Frequently asked questions

Which card has the lower annual fee?: SBI Card PRIME has the lowest annual fee at ₹2,999.
Which card earns more on moderate spend?: SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card PRIME lists a minimum monthly income of ₹45,000.
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

RBL Bank Icon Credit Card

RBL Bank

Card 2

SBI Card PRIME

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	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹5,000	₹2,999
Fee waiver threshold	No waiver published	₹5,00,000/yr
Min income	₹50,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,920/yr	₹1,501/yr
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	2X points/₹150	4X reward points
Primary reward cap	No monthly cap published	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)	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

RBL Bank Icon Credit Card details →SBI Card PRIME details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More RBL Bank Icon Credit Card comparisons