Which card has the lower annual fee?

HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.

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?

HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.

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

HDFC 6E Rewards Credit Card vs SBI BPCL Octane vs SBI Card PRIME

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, SBI BPCL Octane, SBI Card PRIME — 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 SBI Card PRIME by about ₹8,069/yr.

HDFC 6E Rewards Credit Card vs SBI BPCL Octane vs SBI Card PRIME comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	SBI BPCL Octane SBI Card	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	₹1,499	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹25,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹9,570/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	5X reward points	25X points	4X reward points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹3,000

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
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?: HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
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.

Card 1

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

SBI BPCL Octane

SBI Card

Card 3

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards 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	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹500	₹1,499	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹25,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹9,570/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	5X reward points	25X points	4X reward points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹3,000

HDFC 6E Rewards Credit Card details →SBI BPCL Octane details →SBI Card PRIME details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-sbi-bpcl-octane-vs-sbi-prime

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC 6E Rewards Credit Card comparisons