Which card has the lower annual fee?

Kotak League Platinum 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?

Kotak League Platinum 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs Kotak League Platinum vs SBI BPCL Octane

Honest side-by-side comparison of Amex Membership Rewards CC, Kotak League Platinum, 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.

Amex Membership Rewards CC vs Kotak League Platinum vs SBI BPCL Octane comparison table
Feature	Amex Membership Rewards CC American Express	Kotak League Platinum Kotak Mahindra Bank	SBI BPCL Octane SBI Card
Annual fee	₹4,500	₹0	₹1,499
Min income (monthly)	₹60,000	₹25,000	₹30,000
Top reward rate	2 RP/₹150	2 RP/₹150	25X points
Net annual value (moderate spend)	₹822/yr	₹590/yr	₹9,570/yr
Secured / FD-backed	No	No	No
Signup bonus	₹4,000	—	₹6,000

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum 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?: Kotak League Platinum 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.

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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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum 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
Annual fee	₹4,500	₹0	₹1,499
Min income	₹60,000	₹25,000	₹30,000
Top reward rate	2 RP/₹150	2 RP/₹150	25X points
Net value (moderate)	₹822/yr	₹590/yr	₹9,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	₹6,000

Amex Membership Rewards CC details →Kotak League Platinum details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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