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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs SBI BPCL Octane vs slice credit card

Honest side-by-side comparison of HDFC MoneyBack+ 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 slice credit card by about ₹6,060/yr.

HDFC MoneyBack+ Credit Card vs SBI BPCL Octane vs slice credit card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	SBI BPCL Octane SBI Card	slice credit card Slice
Fees & eligibility
Annual fee	₹500	₹1,499	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹20,000/mo	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹9,570/yr	₹3,510/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
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	10X points	25X points	Up to 1% cashback
Primary reward cap	₹2,500 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	Non-BPCL fuel · EMI · Rent · Wallet	Rent · Wallet loads · EMI
Bonuses
Signup bonus	₹500	₹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.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

SBI BPCL Octane

SBI Card

Card 3

slice credit card

Slice

Your adjusted comparison

Feature	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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	₹500	₹1,499	Lifetime free
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹20,000/mo	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹9,570/yr	₹3,510/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
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	10X points	25X points	Up to 1% cashback
Primary reward cap	₹2,500 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	Non-BPCL fuel · EMI · Rent · Wallet	Rent · Wallet loads · EMI
Bonuses
Signup bonus	₹500	₹6,000	—

HDFC MoneyBack+ Credit Card details →SBI BPCL Octane details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons