Side-by-side · honest numbers
American Express Gold Card vs Kotak Royale Signature Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of American Express Gold Card, Kotak Royale Signature Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI BPCL Octane ranks first for estimated net annual value — ahead of American Express Gold Card by about ₹9,000/yr.
| Feature | American Express Gold Card American Express | Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹999 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹140/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 2X reward points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Royale Signature Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Gold Card
American Express
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹999 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹570/yr | ₹140/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | 4 pts per ₹150 spend → ₹53/mo (₹640/yr) | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Top reward rate | 4X Membership Rewards/₹150 | 2X reward points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Insurance | EMI · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹6,000 |
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