RBL ShopRite Credit Card vs CASHBACK SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: CASHBACK SBI Card earns higher net annual returns at standard spend tiers.
- Annual Fee: RBL ShopRite Credit Card (₹500/yr) vs CASHBACK SBI Card (₹999/yr).
- Base Reward Rate: RBL ShopRite Credit Card (1 pts/₹100) vs CASHBACK SBI Card (1% Cashback).
- Lounge Access: RBL ShopRite Credit Card (0 dom) vs CASHBACK SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2RBL Bank · fee waived
Smart verdict
Get the CASHBACK SBI Card — it earns you +₹5,475/yr over the RBL ShopRite Credit Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for RBL ShopRite Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Utilities & Bills | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Insurance | ₹1,500/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 1 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1 Pts / ₹100 | 35 pts420 pts/yr | ₹9 | ₹105/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1 Pts / ₹100 | 20 pts240 pts/yr | ₹5 | ₹60/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1 Pts / ₹100 | 50 pts600 pts/yr | ₹13 | ₹150/yr | Active Earn |
Groceries | ₹7,000/mo | 20 Pts / ₹100 | 1,400 pts16,800 pts/yr | ₹250 | ₹3,000/yr | Cap Hit (₹250/mo) |
Travel (Flights/Hotels) | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1 Pts / ₹100 | 30 pts360 pts/yr | ₹8 | ₹90/yr | Active Earn |
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).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | RBL ShopRite Credit CardRBL Bank | CASHBACK SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹500 | ₹999 |
| 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 reward categories | 20x groceries | 5% online |
| Redemption friction | 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 |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | As per bank criteria | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Verdict at a Glance
Choose RBL ShopRite Credit Card if your monthly spending is focused on groceries.
Choose CASHBACK SBI Card if you spend heavily on online.
RBL ShopRite Credit Card vs CASHBACK SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
CASHBACK SBI Card
At ₹25,000/month, CASHBACK SBI Card nets ₹4,740/yr vs RBL ShopRite Credit Card at ₹2,745/yr — a ₹1,995 edge.
CASHBACK SBI Card
At ₹50,000/month, CASHBACK SBI Card nets ₹9,180/yr vs RBL ShopRite Credit Card at ₹3,705/yr — a ₹5,475 edge.
CASHBACK SBI Card
At ₹1,00,000/month, CASHBACK SBI Card nets ₹18,240/yr vs RBL ShopRite Credit Card at ₹4,560/yr — a ₹13,680 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
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 other online shopping 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.