Side-by-side · honest numbers
Amex Membership Rewards CC vs HSBC TravelOne Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of Amex Membership Rewards CC, HSBC TravelOne 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 Amex Membership Rewards CC by about ₹8,748/yr.
| Feature | Amex Membership Rewards CC American Express | HSBC TravelOne Credit Card HSBC | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹4,999 | ₹1,499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | -₹4,549/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 2 RP/₹150 | 3X points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI BPCL Octane has the lowest annual fee at ₹1,499.
- 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.
Amex Membership Rewards CC
American Express
HSBC TravelOne Credit Card
HSBC
SBI BPCL Octane
SBI Card
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 | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC | 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 | ₹4,999 | ₹1,499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | Waived at ₹2,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | -₹4,549/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 2 RP/₹150 | 3X points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Insurance | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹6,000 |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-hsbc-travelone-vs-sbi-bpcl-octaneMore Amex Membership Rewards CC comparisons
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