RBL Bank Shoprite Platinum Mastercard Credit Card vs SBI Card Tata Select Credit Card: Which is Better in 2026?
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In short: RBL Shoprite Platinum has the lower annual fee (₹500 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | RBL Shoprite Platinum | SBI Tata Select |
|---|---|---|
| Annual fee | ₹500 | ₹2,999 |
| Annual fee waived | On ₹1.5 lakh annual spend | Not listed |
| Top reward rate | 20 Reward Points For ₹100 on Grocery | Upto 5% Value Back on Spends on Tata Outlets |
| Base rewards | 1 Reward Points per ₹100 | 1 Empower Point on Retail |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, RBL Shoprite Platinum returns about ₹1,149 more a year after annual fees (₹3,450 vs ₹4,800 in rewards).
| Spend profile | RBL Shoprite Platinum | SBI Tata Select |
|---|---|---|
| Reward value: top rate / base rate | 5% / 0.25% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹600 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹3,450 | ₹4,800 |
| Annual fee | ₹500 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Rbl Bank Shoprite Platinum Mastercard Credit Card lists a lower headline annual fee in our data (around ₹2,499 apart), before waivers. Rbl Bank Shoprite Platinum Mastercard Credit Card shows a stronger headline earn rate in the first reward band we surface. Sbi Card Tata Select Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Rbl Bank Shoprite Platinum Mastercard Credit Card | Sbi Card Tata Select Credit Card |
|---|---|---|
| Bank | RBL Bank | SBI Cards |
| Network | MasterCard | Visa |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.1.5 Lakh For Waiver of Annual Membership Fee | — |
| Top reward rate | Earn 20 Reward Points For Rs.100 on Grocery | Get Upto 5% Value Back on Spends on Tata Outlets |
| Base rate (other spends) | Earn 1 Reward Points per Rs.100 | Earn 1 Empower Point on Retail |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | Fuel surcharge waiver Upto Rs.100 | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - 2000 Reward Points | Welcome Benefits - e- Gift Voucher Worth Rs.3000 |
| Milestone benefit | — | Anniversary Gift - Spends of Rs.2 Lakhs in the Previous Year; Get Rewards on Annual Spending of Rs. 4 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Sbi Card Tata Select Credit Card shows a higher headline earn signal in the reward summaries we index (Get Upto 5% Value Back on Spends on Tata Outlets vs Earn 20 Reward Points For Rs.100 on Grocery). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Sbi Card Tata Select Credit Card has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Rbl Bank Shoprite Platinum Mastercard Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Rbl Bank Shoprite Platinum Mastercard Credit Card?
Consider Rbl Bank Shoprite Platinum Mastercard Credit Card if you already bank with RBL Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Sbi Card Tata Select Credit Card — domestic: 8 Complimentary Airport Lounge Access Per Year; international: —. Rbl Bank Shoprite Platinum Mastercard Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the RBL Bank and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹2,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the RBL Bank and SBI Cards websites for the final number.
On the first reward band we surface, Rbl Bank Shoprite Platinum Mastercard Credit Card shows a stronger headline earn (Earn 20 Reward Points For Rs.100 on Grocery vs Get Upto 5% Value Back on Spends on Tata Outlets). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Rbl Bank Shoprite Platinum Mastercard Credit Card: Spend Rs.1.5 Lakh For Waiver of Annual Membership Fee Sbi Card Tata Select Credit Card: Waiver wording not in our benefit extract — check SBI Cards. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Rbl Bank Shoprite Platinum Mastercard Credit Card: 3.5% - Foreign Currency Transactions Sbi Card Tata Select Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the RBL Bank and SBI Cards websites.
Rbl Bank Shoprite Platinum Mastercard Credit Card: Welcome Benefit - 2000 Reward Points Sbi Card Tata Select Credit Card: Welcome Benefits - e- Gift Voucher Worth Rs.3000 Welcome campaigns are time-bound — verify eligibility and fulfilment on the RBL Bank and SBI Cards websites.