Side-by-side · honest numbers
HDFC Millennia Credit Card vs SBI BPCL Octane vs slice credit card
Honest side-by-side comparison of HDFC Millennia Credit Card, SBI BPCL Octane, slice 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 Millennia Credit Card by about ₹740/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | SBI BPCL Octane SBI Card | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹9,570/yr | ₹3,510/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | — |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | — |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | — |
| Top reward rate | 5% | 25X points | Up to 1% cashback |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo | ₹500 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Non-BPCL fuel · EMI · Rent · Wallet | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹6,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice 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?
- slice 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.
HDFC Millennia Credit Card
HDFC Bank
SBI BPCL Octane
SBI Card
slice credit card
Slice
Your adjusted comparison
| Feature | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia 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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹9,570/yr | ₹3,510/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Groceries (offline) | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) | — |
| Dining & delivery | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) | — |
| Fuel | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) | — |
| Top reward rate | 5% | 25X points | Up to 1% cashback |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo | ₹500 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | Non-BPCL fuel · EMI · Rent · Wallet | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹6,000 | — |
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https://cardhungry.com/in/en/compare/hdfc-millennia-vs-sbi-bpcl-octane-vs-slice-credit-cardMore HDFC Millennia Credit Card comparisons
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