Side-by-side · honest numbers
RBL Bank ShopRite vs SBI Cashback Credit Card vs SBI Card PRIME
Honest side-by-side comparison of RBL Bank ShopRite, SBI Cashback 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 Cashback Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹5,249/yr.
| Feature | RBL Bank ShopRite RBL Bank | SBI Cashback Credit Card SBI Card | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹2,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹460/yr | ₹6,750/yr | ₹1,501/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | 5% cashback → ₹50/mo (₹600/yr) (cap hit) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% on first ₹1,000/mo | 5% | 4X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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 Cashback Credit Card leads with an estimated ₹6,750/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 ShopRite
RBL Bank
SBI Cashback Credit Card
SBI Card
SBI Card PRIME
SBI Card
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 CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card | 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 | Lifetime free | ₹999 | ₹2,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹460/yr | ₹6,750/yr | ₹1,501/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | 5% cashback → ₹50/mo (₹600/yr) (cap hit) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% on first ₹1,000/mo | 5% | 4X reward points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹2,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/rbl-shoprite-vs-sbi-cashback-vs-sbi-primeMore RBL Bank ShopRite comparisons
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