RBL ShopRite vs AU Altura: Which Wins? (2026)
RBL ShopRite vs AU Altura compared on rewards, fees, approval criteria, and net annual value — with a real savings calculator. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 6 October 2026·2 cards · 3 min scan·CardHungry
Top pick · AU Altura Credit Card
Net / yr
₹2,640
Annual fee
Free
Return
0.7%
Comparison
Net annual value · moderate spend
Comparison winner: AU Altura Credit Card, ₹2,640 per year net
AU Altura Credit Card
AU Small Finance Bank
Net / yr
₹2,640
Fee
₹199
Top
2% cashback
- ✓Wins this head-to-head — about ₹2,640/yr net after fees on typical spends.
- ✓Best for grocery + utility — 2% cashback, up to ₹50/cycle each.
AU Altura Credit Card
AU Small Finance Bank
Net / yr
₹2,640
Fee
₹199
Top
2% cashback
- ✓Wins this head-to-head — about ₹2,640/yr net after fees on typical spends.
- ✓Best for grocery + utility — 2% cashback, up to ₹50/cycle each.
RBL Bank ShopRite
RBL Bank
Net / yr
₹560
Fee
₹500
Top
5% on first ₹1,000/mo
- ✓Strong runner-up at ₹560/yr net — roughly ₹2,080 behind #1 on the same spend mix.
- ✓Best for groceries — 5% on first ₹1,000/mo.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₹560/yr net — roughly ₹2,080 behind #1 on the same spend mix.
- Best for groceries — 5% on first ₹1,000/mo.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
2RBL Bank ShopRiteRBL Bank
- Strong runner-up at ₹560/yr net — roughly ₹2,080 behind #1 on the same spend mix.
- Best for groceries — 5% on first ₹1,000/mo.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹560
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₹2,640/yr net after fees on typical spends.
- Best for grocery + utility — 2% cashback, up to ₹50/cycle each.
- Fee likely waived if you spend ₹40,000/yr — worth it on moderate usage.
1AU Altura Credit CardAU Small Finance Bank
- Wins this head-to-head — about ₹2,640/yr net after fees on typical spends.
- Best for grocery + utility — 2% cashback, up to ₹50/cycle each.
- Fee likely waived if you spend ₹40,000/yr — worth it on moderate usage.
Full review →Net / yr
₹2,640
- Strong runner-up at ₹560/yr net — roughly ₹2,080 behind #1 on the same spend mix.
- Best for groceries — 5% on first ₹1,000/mo.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
2RBL Bank ShopRiteRBL Bank
- Strong runner-up at ₹560/yr net — roughly ₹2,080 behind #1 on the same spend mix.
- Best for groceries — 5% on first ₹1,000/mo.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹560
Net value snapshot
Rewards minus annual fee on your spend profile
- #1AU Altura Credit Card₹2,640#1AU Altura Credit Card₹2,640
- #2RBL Bank ShopRite₹560#2RBL Bank ShopRite₹560
Before you apply
Neither wins for everyone
rbl shoprite vs au altura — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CIBIL enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Rbl Shoprite or Au Altura — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Rbl Shoprite may win for one profile; Au Altura for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
RBL Bank ShopRite vs AU Altura Credit Card — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- RBL Bank ShopRite
- AU Altura Credit Card
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | RBL Bank ShopRite | AU Altura Credit Card |
|---|---|---|
| Issuer | RBL Bank | AU Small Finance Bank |
| Annual fee | ₹500 | ₹199 |
| Fee waiver | ₹1,50,000/yr spend | ₹40,000/yr spend |
| Min income | ₹15,000/mo | ₹15,000/mo |
| Lounge | None | None |
| Top reward | 5% on first ₹1,000/mo | 2% cashback |
| Forex markup | 3.5% | 3.5% |
| Secured option | No | No |
| Moderate NAV winner | AU Altura Credit Card | — |
Net annual value by spend profile
| Profile | RBL Bank ShopRite | AU Altura Credit Card |
|---|---|---|
| Light spender net value | ₹750 | ₹1,740 |
| Moderate spender net value | ₹560 | ₹2,640 |
| Heavy spender net value | -₹160 | ₹4,440 |
Reward rules compared
| Rule | RBL Bank ShopRite | AU Altura Credit Card |
|---|---|---|
| Reward rule 1 | groceries: 5% (cap ₹1,000/mo) | groceries: 2% (cap ₹50/mo) |
| Reward rule 2 | all: 1X | utilities: 2% (cap ₹50/mo) |
| Reward rule 3 | — | all: 1% |
Benefits compared
RBL Bank ShopRite
- ₹500 annual, waived at ₹1.5L retail
- 5% on first ₹1,000 grocery spend monthly
- Easy approval
AU Altura Credit Card
- ₹199 annual, waived at ₹40k spend
- 2% grocery + utility (₹50/cycle each)
- 1% on other retail
RBL Bank ShopRite — full breakdown
RBL Bank ShopRite
Issuer: RBL Bank · Tier: Classic · Annual fee: ₹500
Grocery saver
Eligibility snapshot
- Min monthly income (salaried): ₹15,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- groceries: 5% cashback — cap ₹1,000/month
- all: 1X points
Headline highlight: 5% on first ₹1,000/mo on Groceries
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹980
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹560 (0.15% effective return)
Key benefits
- ₹500 annual, waived at ₹1.5L retail
- 5% on first ₹1,000 grocery spend monthly
- Easy approval
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent.
Best for: Grocery shoppers · First-time card users · Low income
Read full RBL Bank ShopRite review with spend simulator →
AU Altura Credit Card — full breakdown
AU Altura Credit Card
Issuer: AU Small Finance Bank · Tier: Classic · Annual fee: ₹199
Tier 2/3 friendly
Eligibility snapshot
- Min monthly income (salaried): ₹15,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- groceries: 2% cashback — cap ₹50/month
- utilities: 2% cashback — cap ₹50/month
- all: 1% cashback
Headline highlight: 2% cashback on Grocery + utility (cap ₹50/cycle each)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹3,060
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹2,640 (0.71% effective return)
Key benefits
- ₹199 annual, waived at ₹40k spend
- 2% grocery + utility (₹50/cycle each)
- 1% on other retail
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent.
Best for: Tier 2/3 cities · Easy approval · ₹15K+ income
Read full AU Altura Credit Card review with spend simulator →
Exclusions compared
| Typically excluded | RBL Bank ShopRite | AU Altura Credit Card |
|---|---|---|
| Common | EMI, Fuel, Rent | EMI, Fuel, Rent |
Who should pick which?
- Pick RBL Bank ShopRite if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick AU Altura Credit Card if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₹2,000/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₹1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIBIL. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.