Side-by-side · honest numbers
Amex Membership Rewards CC vs IDFC Ashva Gold (FD) vs SBI BPCL Octane
Honest side-by-side comparison of Amex Membership Rewards CC, IDFC Ashva Gold (FD), 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 IDFC Ashva Gold (FD) by about ₹7,970/yr.
| Feature | Amex Membership Rewards CC American Express | IDFC Ashva Gold (FD) IDFC FIRST Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹4,500 | ₹0 | ₹1,499 |
| Min income (monthly) | ₹60,000 | Not stated | ₹30,000 |
| Top reward rate | 2 RP/₹150 | 2X reward points | 25X points |
| Net annual value (moderate spend) | ₹822/yr | ₹1,600/yr | ₹9,570/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | ₹4,000 | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
- 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 | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST 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 | ₹0 | ₹1,499 |
| Min income | ₹60,000 | Not stated | ₹30,000 |
| Top reward rate | 2 RP/₹150 | 2X reward points | 25X points |
| Net value (moderate) | ₹822/yr | ₹1,600/yr | ₹9,570/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹4,000 | — | ₹6,000 |
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