ICICI Platinum Chip vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
RBL ShopRite
Why this card wins: Grocery & Supermarket — 5% cashback on grocery & supermarket
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | RBL Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹199 + GST | ₹500 + GST |
| Joining Fee | ₹199 + GST | Nil |
| Rewards | 2 PAYBACK points per ₹100 on all spends | 5% cashback on grocery & supermarket |
| Best For | Budget Users | Grocery & Supermarket |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹15,000 - ₹1,50,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹12,000/month | ₹15,000/month |
| Lounge Access | None | 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 | 3.9 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
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, RBL ShopRite ranks highest among your selected cards. It excels at Grocery & Supermarket and offers 5% cashback on grocery & supermarket.
Frequently asked questions
Which is better: ICICI Platinum Chip or RBL ShopRite?
RBL ShopRite has the higher CardKhoj rating (4/5) and is best for grocery & supermarket. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Platinum Chip and RBL ShopRite?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹500 + GST for RBL ShopRite.
Do ICICI Platinum Chip and RBL ShopRite offer airport lounge access?
No. None of these cards include complimentary airport 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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