Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs SBI BPCL Octane vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, SBI BPCL Octane, Standard Chartered Ultimate 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹4,140/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | SBI BPCL Octane SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹1,499 | ₹5,000 |
| Min income (monthly) | ₹15,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 5% cashback | 25X points | 5% |
| Net annual value (moderate spend) | ₹5,430/yr | ₹9,570/yr | ₹4,960/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.
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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹1,499 | ₹5,000 |
| Min income | ₹15,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 5% cashback | 25X points | 5% |
| Net value (moderate) | ₹5,430/yr | ₹9,570/yr | ₹4,960/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹6,000 | — |
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