RBL Bank ShopRite Credit Card vs SBI SimplyCLICK Credit Card
How RBL Bank ShopRite Credit Card and SBI SimplyCLICK 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 SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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 SimplyCLICK Credit Card — better for online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card.
Side by side
| RBL Bank ShopRite Credit CardRBL Bank | SBI SimplyCLICK Credit CardSBI Card | |
|---|---|---|
| Annual fee | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 | 10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa / Mastercard / RuPay | Visa / Mastercard |
| Eligibility | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum |
| 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 spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. |
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 SimplyCLICK Credit Card
- 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
- Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
- 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)
RBL Bank ShopRite Credit Card vs SBI SimplyCLICK 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 SimplyCLICK Credit Card suits online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card. 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 SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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 SimplyCLICK Credit Card gives 10x reward points on online spends with partner brands (apollo 24x7, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, etc.), capped at 10,000 rp per month.
RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend). SBI SimplyCLICK Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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.