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 SimplySAVE leads with an estimated ₹5,481/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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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 Card against Fixed Deposit vs SBI SimplySAVE

Honest side-by-side comparison of RBL Bank ShopRite, SBI Card against Fixed Deposit, SBI SimplySAVE — 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 SimplySAVE ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹3,711/yr.

RBL Bank ShopRite vs SBI Card against Fixed Deposit vs SBI SimplySAVE comparison table
Feature	RBL Bank ShopRite RBL Bank	SBI Card against Fixed Deposit SBI Card	SBI SimplySAVE SBI Card
Annual fee	₹0	₹0	₹499
Min income (monthly)	₹15,000	Not stated	₹18,000
Top reward rate	5% on first ₹1,000/mo	80% of FD value	10 RP/₹100
Net annual value (moderate spend)	₹460/yr	₹1,770/yr	₹5,481/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	₹2,000

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 SimplySAVE leads with an estimated ₹5,481/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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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

Card 2

Card 3

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 CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card	SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Annual fee	₹0	₹0	₹499
Min income	₹15,000	Not stated	₹18,000
Top reward rate	5% on first ₹1,000/mo	80% of FD value	10 RP/₹100
Net value (moderate)	₹460/yr	₹1,770/yr	₹5,481/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	₹2,000

RBL Bank ShopRite details →SBI Card against Fixed Deposit details →SBI SimplySAVE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More RBL Bank ShopRite comparisons