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?

HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/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.

Side-by-side · honest numbers

Bajaj Finserv RBL Bank SuperCard vs HDFC Bharat Cashback Credit Card vs OneCard Metal Credit Card

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC Bharat Cashback Credit Card, OneCard Metal Credit 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹1,470/yr.

Bajaj Finserv RBL Bank SuperCard vs HDFC Bharat Cashback Credit Card vs OneCard Metal Credit Card comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	HDFC Bharat Cashback Credit Card HDFC Bank	OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹999	₹0	₹0
Min income (monthly)	₹25,000	₹15,000	₹15,000
Top reward rate	2X points/₹150	5% cashback	1% cashback
Net annual value (moderate spend)	-₹739/yr	₹5,430/yr	₹3,960/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

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?: HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/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.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL 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	OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL)
Annual fee	₹999	₹0	₹0
Min income	₹25,000	₹15,000	₹15,000
Top reward rate	2X points/₹150	5% cashback	1% cashback
Net value (moderate)	-₹739/yr	₹5,430/yr	₹3,960/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Bajaj Finserv RBL Bank SuperCard details →HDFC Bharat Cashback Credit Card details →OneCard Metal Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv RBL Bank SuperCard comparisons