Side-by-side · honest numbers
IndianOil RBL Bank Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of IndianOil RBL Bank Credit Card, 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IndianOil RBL Bank Credit Card
RBL Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | IndianOil RBL Bank Credit Card RBL Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹500 |
| Fee waiver threshold | Waived at ₹1,75,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,296/yr | ₹560/yr |
| Groceries (offline) | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Fuel | ₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo | — |
| Top reward rate | 10 fuel points / ₹100 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹3,100/yr combined NAV (₹1,804 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/rbl-indianoil-vs-rbl-shopriteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IndianOil RBL Bank Credit Card leads RBL Bank ShopRite by about ₹736/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
| Feature | IndianOil RBL Bank Credit Card RBL Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹500 |
| Fee waiver threshold | Waived at ₹1,75,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,296/yr | ₹560/yr |
| Groceries (offline) | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Fuel | ₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo | — |
| Top reward rate | 10 fuel points / ₹100 | 5% on first ₹1,000/mo |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndianOil RBL Bank Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- IndianOil RBL Bank Credit Card leads with an estimated ₹1,296/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.
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