Side-by-side · honest numbers
HDFC Millennia Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of HDFC Millennia Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Millennia Credit Card
HDFC Bank
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | HDFC Millennia Credit Card HDFC Bank | SBI BPCL Octane SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,000 | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | ₹2,850/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| 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 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo |
| Top reward rate | 5% | 25X points |
| Primary reward cap | ₹1,000 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both) | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,000 | ₹6,000 |
Stack mode (hold both)
Cap-aware split: ~₹8,190/yr combined NAV (₹1,890 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-sbi-bpcl-octaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card leads SBI BPCL Octane by about ₹3,450/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
| Feature | HDFC Millennia Credit Card HDFC Bank | SBI BPCL Octane SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,000 | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | ₹2,850/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| 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 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo |
| Top reward rate | 5% | 25X points |
| Primary reward cap | ₹1,000 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Milestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both) | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,000 | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹6,300/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI BPCL Octane lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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