RBL Bank ShopRite Credit Card vs SBI SimplySAVE Credit Card
How RBL Bank ShopRite Credit Card and SBI SimplySAVE 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 SimplySAVE 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 SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card.
Side by side
| RBL Bank ShopRite Credit CardRBL Bank | SBI SimplySAVE 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 per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa / Mastercard / RuPay | Visa / Mastercard / RuPay |
| Eligibility | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) | Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced) |
| 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). | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
RBL Bank ShopRite Credit Card vs SBI SimplySAVE 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 SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee 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 SimplySAVE 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 SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value
RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend). SBI SimplySAVE 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.