IndianOil HDFC Bank Credit Card vs RBL Bank ShopRite Credit Card
How IndianOil HDFC Bank Credit Card and RBL Bank ShopRite Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: IndianOil HDFC Bank Credit Card costs ₹500 + GST (waived on ₹50,000 annual spend) and RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) — both waivable on spend, so the rewards decide it.
IndianOil HDFC Bank Credit Card — better for indianoil customers who want a low-fee everyday fuel card.
RBL Bank ShopRite Credit Card — better for households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page).
Side by side
| IndianOil HDFC Bank Credit CardHDFC Bank | RBL Bank ShopRite Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹50,000 annual spend) | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) |
| Reward rate | 5% Fuel Points at IndianOil/groceries/bills (capped); 1 FP/₹150 else | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | RuPay / Visa | Visa / Mastercard / RuPay |
| Eligibility | 18–70 yrs; salaried ₹12,000+/mo or self-employed ITR > ₹6L | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) |
| Best for | IndianOil customers who want a low-fee everyday fuel card. | Households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite RBL listing it on its LTF page). |
IndianOil HDFC Bank Credit Card
- 5% Fuel Points at IndianOil outlets, groceries & bill payments (monthly caps)
- 1 Fuel Point per ₹150 on other spends incl. UPI (1 FP ≈ ₹0.96 via XTRAREWARDS)
- 1% fuel-surcharge waiver on ₹400+ fuel txns (max ₹250/cycle)
RBL Bank ShopRite Credit Card
- 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
- 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
- 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days
IndianOil HDFC Bank Credit Card vs RBL Bank ShopRite Credit Card — FAQs
Neither is universally better. IndianOil HDFC Bank Credit Card suits indianoil customers who want a low-fee everyday fuel card. RBL Bank ShopRite Credit Card suits households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page). Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: IndianOil HDFC Bank Credit Card costs ₹500 + GST (waived on ₹50,000 annual spend) and RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) — both waivable on spend, so the rewards decide it. On rewards, IndianOil HDFC Bank Credit Card gives 5% as fuel points at indianoil, groceries & bill payments, on a low ₹500 fee. whereas RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on grocery spends (capped at 1,000 rp/month, i.e. ~₹250/month value at 1 rp = ₹0.25)
IndianOil HDFC Bank Credit Card: ₹500 + GST (waived on ₹50,000 annual spend). RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.