Amazon Pay ICICI Bank Credit Card vs RBL ShopRite Credit Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
ICICI Bank · fee ₹0
RBL Bank · fee waived at your spend
Smart Verdict
Choose Amazon Pay ICICI Bank Credit Card to earn an extra ~₹2,595
Amazon Pay ICICI Bank Credit Card wins by ₹2,595/yr vs RBL ShopRite Credit Card, mainly from your amazon spend.Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Amazon Pay ICICI Bank Credit Card vs RBL ShopRite Credit Card at different spend levels
- At ₹25,000/month, Amazon Pay ICICI Bank Credit Card nets ₹3,600/yr vs RBL ShopRite Credit Card at ₹3,045/yr — a ₹555 edge.
- At ₹50,000/month, Amazon Pay ICICI Bank Credit Card nets ₹6,780/yr vs RBL ShopRite Credit Card at ₹4,185/yr — a ₹2,595 edge.
- At ₹1,00,000/month, Amazon Pay ICICI Bank Credit Card nets ₹13,200/yr vs RBL ShopRite Credit Card at ₹5,280/yr — a ₹7,920 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | Amazon Pay ICICI Bank Credit CardICICI Bank | RBL ShopRite Credit CardRBL Bank |
|---|---|---|
| Annual fee | Lifetime free | ₹500/yr |
| Fee waiver | — | Spend ₹1,50,000/yr |
| Base reward | 1% cashback | 1 pts / ₹100 |
| Top categories | 5% amazon, 2% online | 20x groceries |
| Redemption | Auto credit | Moderate |
| Point expiry | Never expire | 36 months |
| Lounge access | None | None |
| Forex markup | 1.99% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | 1% waiver, up to ₹100/mo |
| Stated income | Not stated | As per bank criteria |
| Recent devaluations |
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| Verified against |
Frequently asked questions
Which is better, Amazon Pay ICICI Bank Credit Card or RBL ShopRite Credit Card?
At a typical ₹50,000/month spend (cashback redemption), Amazon Pay ICICI Bank Credit Card comes out ahead by about ₹2,595 per year, driven mostly by amazon spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Amazon Pay ICICI Bank Credit Card or RBL ShopRite Credit Card?
Amazon Pay ICICI Bank Credit Card earns 1% as a base, while RBL ShopRite Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Amazon Pay ICICI Bank Credit Card and RBL ShopRite Credit Card?
Amazon Pay ICICI Bank Credit Card: lifetime free. RBL ShopRite Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend.
Do Amazon Pay ICICI Bank Credit Card and RBL ShopRite Credit Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. Amazon Pay ICICI Bank Credit Card excludes fuel, rent, utilities, insurance; RBL ShopRite Credit Card excludes fuel, utilities, insurance, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is RBL ShopRite Credit Card ever the better pick over Amazon Pay ICICI Bank Credit Card?
Within a normal spend range at ₹50,000/month, Amazon Pay ICICI Bank Credit Card stays ahead. RBL ShopRite Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.