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 ₹9,570/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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs SBI BPCL Octane vs YES Bank Marquee Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, SBI BPCL Octane, YES Bank Marquee 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 MoneyBack+ Credit Card by about ₹8,880/yr.

HDFC MoneyBack+ Credit Card vs SBI BPCL Octane vs YES Bank Marquee Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	SBI BPCL Octane SBI Card	YES Bank Marquee Credit Card YES Bank
Annual fee	₹500	₹1,499	₹999
Min income (monthly)	₹20,000	₹30,000	₹40,000
Top reward rate	10X points	25X points	4 RP/₹150
Net annual value (moderate spend)	₹690/yr	₹9,570/yr	₹204/yr
Secured / FD-backed	No	No	No
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 ₹9,570/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.

Customize your spend

Change spend profile or swap cards — results update live below.

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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	YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank
Annual fee	₹500	₹1,499	₹999
Min income	₹20,000	₹30,000	₹40,000
Top reward rate	10X points	25X points	4 RP/₹150
Net value (moderate)	₹690/yr	₹9,570/yr	₹204/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	₹6,000	—

HDFC MoneyBack+ Credit Card details →SBI BPCL Octane details →YES Bank Marquee Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons