RBL Bank ShopRite Credit Card vs SBI Cashback Credit Card
How RBL Bank ShopRite Credit Card and SBI Cashback 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: RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide 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).
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
Side by side
| RBL Bank ShopRite Credit CardRBL Bank | SBI Cashback Credit CardSBI Card | |
|---|---|---|
| Annual fee | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) | ₹999 + GST (waived on ₹2L annual spend) |
| Reward rate | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) |
| Lifetime-free | No | No |
| Network | Visa / Mastercard / RuPay | Visa / RuPay |
| Eligibility | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) | Approx 21–70 yrs; salaried/self-employed with stable income |
| Best 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). | Online shoppers who want flat, auto-credited cashback across most sites. |
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
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
RBL Bank ShopRite Credit Card vs SBI Cashback Credit Card — FAQs
Neither is universally better. 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). SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) and SBI Cashback Credit Card costs ₹999 + GST (waived on ₹2L annual spend) — both waivable on spend, so the rewards decide it. On rewards, 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) whereas SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited.
RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend). SBI Cashback Credit Card: ₹999 + GST (waived on ₹2L 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.