RBL ShopRite Credit Card vs CASHBACK SBI 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.
1SBI Card · fee waived at your spend
2RBL Bank · fee waived at your spend
Smart verdict
Get the CASHBACK SBI Card — it earns you +₹5,475/yr over the RBL ShopRite Credit Card, mostly from your online shopping (general) 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).
RBL ShopRite Credit Card vs CASHBACK SBI Card at different spend levels
- At ₹25,000/month, CASHBACK SBI Card nets ₹5,040/yr vs RBL ShopRite Credit Card at ₹3,045/yr — a ₹1,995 edge.
- At ₹50,000/month, CASHBACK SBI Card nets ₹9,660/yr vs RBL ShopRite Credit Card at ₹4,185/yr — a ₹5,475 edge.
- At ₹1,00,000/month, CASHBACK SBI Card nets ₹18,960/yr vs RBL ShopRite Credit Card at ₹5,280/yr — a ₹13,680 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 | RBL ShopRite Credit CardRBL Bank | CASHBACK SBI CardSBI Card |
|---|---|---|
| Annual fee | ₹500/yr | ₹999/yr |
| Fee waiver | Spend ₹1,50,000/yr | Spend ₹2,00,000/yr |
| Base reward | 1 pts / ₹100 | 1% cashback |
| Top categories | 20x groceries | 5% online |
| Redemption | Moderate | Auto credit |
| Point expiry | 36 months | Never expire |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | 1% waiver, up to ₹100/mo |
| Stated income | As per bank criteria | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Frequently asked questions
Which is better, RBL ShopRite Credit Card or CASHBACK SBI Card?
At a typical ₹50,000/month spend (cashback redemption), CASHBACK SBI Card comes out ahead by about ₹5,475 per year, driven mostly by online shopping (general) spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, RBL ShopRite Credit Card or CASHBACK SBI Card?
RBL ShopRite Credit Card earns 1 pts/₹100 as a base, while CASHBACK SBI Card earns 1%. 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 RBL ShopRite Credit Card and CASHBACK SBI Card?
RBL ShopRite Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend. CASHBACK SBI Card: ₹999 + GST per year, waived on ₹2,00,000 annual spend.
Do RBL ShopRite Credit Card and CASHBACK SBI Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. RBL ShopRite Credit Card excludes fuel, utilities, insurance, rent; CASHBACK SBI 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 CASHBACK SBI Card?
Within a normal spend range at ₹50,000/month, CASHBACK SBI 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.