Side-by-side · honest numbers
Amex Membership Rewards CC vs HDFC Millennia Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Millennia 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 HDFC Millennia Credit Card by about ₹740/yr.
| Feature | Amex Membership Rewards CC American Express | HDFC Millennia Credit Card HDFC Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹1,499 |
| Min income (monthly) | ₹60,000 | ₹35,000 | ₹30,000 |
| Top reward rate | 2 RP/₹150 | 5% | 25X points |
| Net annual value (moderate spend) | ₹822/yr | ₹8,830/yr | ₹9,570/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | ₹1,000 | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- 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?
- SBI BPCL Octane lists a minimum monthly income of ₹30,000.
- 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.
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC 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 |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹1,000 | ₹1,499 |
| Min income | ₹60,000 | ₹35,000 | ₹30,000 |
| Top reward rate | 2 RP/₹150 | 5% | 25X points |
| Net value (moderate) | ₹822/yr | ₹8,830/yr | ₹9,570/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | ₹1,000 | ₹6,000 |
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