IndusInd Bank Platinum Aura Edge Credit Card vs RBL Bank ShopRite Credit Card
How IndusInd Bank Platinum Aura Edge 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
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while RBL Bank ShopRite Credit Card carries a fee (Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend)). If you won't reliably hit RBL Bank ShopRite Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
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
| IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | RBL Bank ShopRite Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) |
| Reward rate | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / Mastercard / RuPay |
| Eligibility | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) |
| Best for | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. | 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). |
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
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
IndusInd Bank Platinum Aura Edge Credit Card vs RBL Bank ShopRite Credit Card — FAQs
Neither is universally better. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. 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.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while RBL Bank ShopRite Credit Card carries a fee (Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend)). If you won't reliably hit RBL Bank ShopRite Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep. On rewards, IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category 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)
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while RBL Bank ShopRite Credit Card charges Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) (waivable on spend).
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.