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 BPCL Octane leads with an estimated ₹9,570/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.

Side-by-side · honest numbers

RBL Bank ShopRite vs SBI BPCL Octane vs Standard Chartered Smart Card

Honest side-by-side comparison of RBL Bank ShopRite, SBI BPCL Octane, Standard Chartered Smart Card — 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 BPCL Octane ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹5,839/yr.

RBL Bank ShopRite vs SBI BPCL Octane vs Standard Chartered Smart Card comparison table
Feature	RBL Bank ShopRite RBL Bank	SBI BPCL Octane SBI Card	Standard Chartered Smart Card Standard Chartered
Annual fee	₹0	₹1,499	₹499
Min income (monthly)	₹15,000	₹30,000	₹30,000
Top reward rate	5% on first ₹1,000/mo	25X points	2% cashback
Net annual value (moderate spend)	₹460/yr	₹9,570/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹6,000	—

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 BPCL Octane leads with an estimated ₹9,570/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.

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Your adjusted comparison

Feature	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 BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹0	₹1,499	₹499
Min income	₹15,000	₹30,000	₹30,000
Top reward rate	5% on first ₹1,000/mo	25X points	2% cashback
Net value (moderate)	₹460/yr	₹9,570/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹6,000	—

RBL Bank ShopRite details →SBI BPCL Octane details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More RBL Bank ShopRite comparisons