Which card has the lower annual fee?

SBI BPCL Octane has the lowest annual fee at ₹1,499.

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?

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.

Side-by-side · honest numbers

HDFC Regalia Gold vs RBL Bank Icon Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of HDFC Regalia Gold, RBL Bank Icon Credit Card, SBI BPCL Octane — 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 Regalia Gold by about ₹4,014/yr.

HDFC Regalia Gold vs RBL Bank Icon Credit Card vs SBI BPCL Octane comparison table
Feature	HDFC Regalia Gold HDFC Bank	RBL Bank Icon Credit Card RBL Bank	SBI BPCL Octane SBI Card
Annual fee	₹2,500	₹5,000	₹1,499
Min income (monthly)	₹50,000	₹50,000	₹30,000
Top reward rate	4 RP/₹150	2X points/₹150	25X points
Net annual value (moderate spend)	₹5,556/yr	-₹4,803/yr	₹9,570/yr
Secured / FD-backed	No	No	No
Signup bonus	₹2,500	—	₹6,000

Frequently asked questions

Which card has the lower annual fee?: SBI BPCL Octane has the lowest annual fee at ₹1,499.
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?: 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.

Customize your spend

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

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Your adjusted comparison

Feature	HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL 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
Annual fee	₹2,500	₹5,000	₹1,499
Min income	₹50,000	₹50,000	₹30,000
Top reward rate	4 RP/₹150	2X points/₹150	25X points
Net value (moderate)	₹5,556/yr	-₹4,803/yr	₹9,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹2,500	—	₹6,000

HDFC Regalia Gold details →RBL Bank Icon Credit Card details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons