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?

SBI BPCL Octane leads with an estimated ₹9,570/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

HDFC Bharat Cashback Credit Card vs ICICI Coral Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, ICICI Coral 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹4,140/yr.

HDFC Bharat Cashback Credit Card vs ICICI Coral Credit Card vs SBI BPCL Octane comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	ICICI Coral Credit Card ICICI Bank	SBI BPCL Octane SBI Card
Annual fee	₹0	₹500	₹1,499
Min income (monthly)	₹15,000	₹30,000	₹30,000
Top reward rate	5% cashback	2 RP/₹100	25X points
Net annual value (moderate spend)	₹5,430/yr	₹90/yr	₹9,570/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	₹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?: SBI BPCL Octane leads with an estimated ₹9,570/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	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	ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI 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	₹0	₹500	₹1,499
Min income	₹15,000	₹30,000	₹30,000
Top reward rate	5% cashback	2 RP/₹100	25X points
Net value (moderate)	₹5,430/yr	₹90/yr	₹9,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	₹6,000

HDFC Bharat Cashback Credit Card details →ICICI Coral Credit Card details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Bharat Cashback Credit Card comparisons