ICICI Coral vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
ICICI Coral
Why this card wins: First Time Users — 2 points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | RBL Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹500 + GST | ₹500 + GST |
| Joining Fee | ₹500 + GST | Nil |
| Rewards | 2 points per ₹100 on all spends | 5% cashback on grocery & supermarket |
| Best For | First Time Users | Grocery & Supermarket |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹20,000/month | ₹15,000/month |
| Lounge Access | 4 domestic per year (1/quarter) | 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 | 4.1 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
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, ICICI Coral ranks highest among your selected cards. It excels at First Time Users and offers 2 points per ₹100 on all spends.
Frequently asked questions
Which is better: ICICI Coral or RBL ShopRite?
ICICI Coral has the higher CardKhoj rating (4.1/5) and is best for first time users. 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: ICICI Coral and RBL ShopRite?
They have the same annual fee: ₹500 + GST.
Do ICICI Coral and RBL ShopRite offer airport lounge access?
ICICI Coral: 4 domestic per year (1/quarter). 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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