Side-by-side · honest numbers
AU Zenith Credit Card vs HDFC Regalia Gold vs SBI BPCL Octane
Honest side-by-side comparison of AU Zenith Credit Card, HDFC Regalia Gold, 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 Regalia Gold by about ₹4,014/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | HDFC Regalia Gold HDFC Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹2,500 | ₹1,499 |
| Min income (monthly) | ₹75,000 | ₹50,000 | ₹30,000 |
| Top reward rate | 3X points/₹150 | 4 RP/₹150 | 25X points |
| Net annual value (moderate spend) | -₹6,487/yr | ₹5,556/yr | ₹9,570/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ₹2,500 | ₹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.
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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 | ₹7,999 | ₹2,500 | ₹1,499 |
| Min income | ₹75,000 | ₹50,000 | ₹30,000 |
| Top reward rate | 3X points/₹150 | 4 RP/₹150 | 25X points |
| Net value (moderate) | -₹6,487/yr | ₹5,556/yr | ₹9,570/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹2,500 | ₹6,000 |
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