Side-by-side · honest numbers
AU Zenith Credit Card vs SBI BPCL Octane vs Standard Chartered Smart Card
Honest side-by-side comparison of AU Zenith Credit Card, SBI BPCL Octane, Standard Chartered Smart Card — 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 Standard Chartered Smart Card by about ₹5,839/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | SBI BPCL Octane SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹1,499 | ₹499 |
| Min income (monthly) | ₹75,000 | ₹30,000 | ₹30,000 |
| Top reward rate | 3X points/₹150 | 25X points | 2% cashback |
| Net annual value (moderate spend) | -₹6,487/yr | ₹9,570/yr | ₹3,731/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ₹6,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card has the lowest annual fee at ₹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 | 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 | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹1,499 | ₹499 |
| Min income | ₹75,000 | ₹30,000 | ₹30,000 |
| Top reward rate | 3X points/₹150 | 25X points | 2% cashback |
| Net value (moderate) | -₹6,487/yr | ₹9,570/yr | ₹3,731/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹6,000 | — |
More AU Zenith Credit Card comparisons
- AU Zenith Credit Card vs 811 Dream Different Credit Card
- AU Zenith Credit Card vs AU Altura Credit Card
- AU Zenith Credit Card vs American Express Gold Card
- AU Zenith Credit Card vs American Express Platinum Travel Card
- AU Zenith Credit Card vs Amex Membership Rewards CC
- AU Zenith Credit Card vs Axis Bank ACE Credit Card
- AU Zenith Credit Card vs Axis Bank Atlas Credit Card
- AU Zenith Credit Card vs Axis Bank Flipkart Credit Card
- AU Zenith Credit Card vs Axis Bank Magnus Credit Card
- AU Zenith Credit Card vs Axis Bank My Zone Credit Card
- AU Zenith Credit Card vs Axis Bank Neo Credit Card
- AU Zenith Credit Card vs Axis Bank Privilege Credit Card