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 vs YES ACE Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, SBI BPCL Octane, YES ACE 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.

HDFC Bharat Cashback Credit Card vs SBI BPCL Octane vs YES ACE Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	SBI BPCL Octane SBI Card	YES ACE Credit Card YES Bank
Annual fee	₹0	₹1,499	₹499
Min income (monthly)	₹15,000	₹30,000	₹25,000
Top reward rate	5% cashback	25X points	4% cashback
Net annual value (moderate spend)	₹5,430/yr	₹9,570/yr	₹4,451/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	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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Annual fee	₹0	₹1,499	₹499
Min income	₹15,000	₹30,000	₹25,000
Top reward rate	5% cashback	25X points	4% cashback
Net value (moderate)	₹5,430/yr	₹9,570/yr	₹4,451/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹6,000	—

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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