Side-by-side · honest numbers
Axis Bank Privilege Credit Card vs HDFC Bharat Cashback Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of Axis Bank Privilege Credit Card, HDFC Bharat Cashback Credit Card, 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, Axis Bank Privilege Credit Card ranks first for estimated net annual value — ahead of SBI BPCL Octane by about ₹2,961/yr.
| Feature | Axis Bank Privilege Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹1,500 | ₹0 | ₹1,499 |
| Min income (monthly) | ₹35,000 | ₹15,000 | ₹30,000 |
| Top reward rate | 2 EDGE miles/₹150 | 5% cashback | 25X points |
| Net annual value (moderate spend) | ₹12,531/yr | ₹5,430/yr | ₹9,570/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹12,500 | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Privilege Credit Card leads with an estimated ₹12,531/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Privilege Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Privilege Credit Card Top reward2 EDGE miles/₹150 Annual fee₹1,500 Min income₹35,000/mo Tap to flip back Axis Bank Privilege Credit Card Axis Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card 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 | ₹1,500 | ₹0 | ₹1,499 |
| Min income | ₹35,000 | ₹15,000 | ₹30,000 |
| Top reward rate | 2 EDGE miles/₹150 | 5% cashback | 25X points |
| Net value (moderate) | ₹12,531/yr | ₹5,430/yr | ₹9,570/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹12,500 | — | ₹6,000 |
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