BoB Select vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
BoB Select
Why this card wins: Everyday Spending — 2 reward points per ₹100 spent
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | RBL Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹499 + GST | Nil |
| Rewards | 2 reward points per ₹100 spent | 5% cashback on grocery & supermarket |
| Best For | Everyday Spending | Grocery & Supermarket |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 500 reward points on first spend | None |
| Min Income | ₹15,000/month | ₹15,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
RBL ShopRite
Grocery & Supermarket
Mastercard • Cashback
- 5% cashback on grocery spends (cap ₹200/month)
- 1% cashback on all other spends
- Fuel surcharge waiver
- Easy EMI conversion on large purchases
Verdict
Based on rating and overall value, BoB Select ranks highest among your selected cards. It excels at Everyday Spending and offers 2 reward points per ₹100 spent.
Frequently asked questions
Which is better: BoB Select or RBL ShopRite?
BoB Select has the higher CardKhoj rating (4/5) and is best for everyday spending. RBL ShopRite is the better fit if your priority is grocery & supermarket. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and RBL ShopRite?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for RBL ShopRite.
Do BoB Select and RBL ShopRite offer airport lounge access?
BoB Select: 2 domestic per year. RBL ShopRite: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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