Side-by-side · honest numbers
HDFC Diners Club Black Metal vs SBI BPCL Octane vs SBI SimplyCLICK
Honest side-by-side comparison of HDFC Diners Club Black Metal, SBI BPCL Octane, SBI SimplyCLICK — 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 SBI SimplyCLICK by about ₹7,789/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | SBI BPCL Octane SBI Card | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹1,499 | ₹499 |
| Min income (monthly) | ₹1,50,000 | ₹30,000 | ₹20,000 |
| Top reward rate | 10X points | 25X points | 10X points |
| Net annual value (moderate spend) | -₹5,617/yr | ₹9,570/yr | ₹1,781/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ₹6,000 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- 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?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- 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 BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal 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 | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹1,499 | ₹499 |
| Min income | ₹1,50,000 | ₹30,000 | ₹20,000 |
| Top reward rate | 10X points | 25X points | 10X points |
| Net value (moderate) | -₹5,617/yr | ₹9,570/yr | ₹1,781/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹6,000 | ₹500 |
More HDFC Diners Club Black Metal comparisons
- HDFC Diners Club Black Metal vs 811 Dream Different Credit Card
- HDFC Diners Club Black Metal vs AU Altura Credit Card
- HDFC Diners Club Black Metal vs AU Zenith Credit Card
- HDFC Diners Club Black Metal vs American Express Gold Card
- HDFC Diners Club Black Metal vs American Express Platinum Travel Card
- HDFC Diners Club Black Metal vs Amex Membership Rewards CC
- HDFC Diners Club Black Metal vs Axis Bank ACE Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Atlas Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Flipkart Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Magnus Credit Card
- HDFC Diners Club Black Metal vs Axis Bank My Zone Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Neo Credit Card