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| Feature | HDFC Bank HDFC Bank Freedom Credit Card | RBL Bank RBL Bank ShopRite Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | RBL Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.1% | 0.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Groceries & essentials | 0.1% · Named 10X merchants | 5% · Grocery rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹16,667/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | First-time HDFC applicants who prioritise low eligibility thresholds over a high base earn rate. | Budget-focused grocery shoppers who want a low annual fee and can use the RuPay variant for UPI. |
| Main trade-off | Base value back is only 0.075% at ₹0.15 per CashPoint. Accelerated merchants and regulated categories have separate ceilings, exclusions and minimum transaction rules. | The 5% grocery value assumes redemption at ₹0.25 per point and stops after 1,000 grocery points per month. Many utility, fuel and financial categories earn no points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
