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HDFC MoneyBack+ Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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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 MoneyBack+ Credit Card

HDFC Bank

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature
HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹500₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹2,850/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
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 rate10X points25X points
Primary reward cap₹2,500 eligible spend/mo₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus₹500₹6,000

Stack mode (hold both)

Cap-aware split: ~₹3,060/yr combined NAV (₹210 vs best solo). Both annual fees apply.

HDFC MoneyBack+ Credit Card details →SBI BPCL Octane details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads HDFC MoneyBack+ Credit Card by about ₹2,720/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

HDFC MoneyBack+ Credit Card vs SBI BPCL Octane comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹500₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹2,850/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached—
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 rate10X points25X points
Primary reward cap₹2,500 eligible spend/mo₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus₹500₹6,000

Frequently asked questions

Which card has the lower annual fee?
HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
SBI BPCL Octane leads with an estimated ₹2,850/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC MoneyBack+ Credit Card 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.

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