Which card has the lower annual fee?

HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/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 SBI BPCL Octane

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Bharat Cashback Credit Card

HDFC Bank

Card 2

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature	HDFC Bharat Cashback Credit Card HDFC Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹500	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹15,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,670/yr	₹2,850/yr
Groceries (offline)	—	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery	—	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate	5% cashback	25X points
Primary reward cap	₹250 rewards/mo cap	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent · Wallet loads · Insurance	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹6,000

Stack mode (hold both)

Cap-aware split: ~₹4,120/yr combined NAV (₹450 vs best solo). Both annual fees apply.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads SBI BPCL Octane by about ₹820/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Bharat Cashback Credit Card vs SBI BPCL Octane comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹500	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹15,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,670/yr	₹2,850/yr
Groceries (offline)	—	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery	—	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel	₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate	5% cashback	25X points
Primary reward cap	₹250 rewards/mo cap	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Rent · Wallet loads · Insurance	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹6,000

Frequently asked questions

Which card has the lower annual fee?: HDFC Bharat Cashback Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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