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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs SBI BPCL Octane

Honest side-by-side comparison of Amex Membership Rewards CC, 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 leads Amex Membership Rewards CC by about ₹8,748/yr in estimated net value.

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

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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	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	₹1,499
Min income	₹60,000	₹30,000
Top reward rate	2 RP/₹150	25X points
Net value (moderate)	₹822/yr	₹9,570/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹4,000	₹6,000

Amex Membership Rewards CC details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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