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 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.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads HDFC Bharat Cashback Credit Card by about ₹4,140/yr in estimated net value.

HDFC Bharat Cashback Credit Card vs SBI BPCL Octane comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	SBI BPCL Octane SBI Card
Annual fee	₹0	₹1,499
Min income (monthly)	₹15,000	₹30,000
Top reward rate	5% cashback	25X points
Net annual value (moderate spend)	₹5,430/yr	₹9,570/yr
Secured / FD-backed	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	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	₹1,499
Min income	₹15,000	₹30,000
Top reward rate	5% cashback	25X points
Net value (moderate)	₹5,430/yr	₹9,570/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	₹6,000

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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