Which card has the lower annual fee?

RBL Bank ShopRite 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?

RBL Bank ShopRite 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 Regalia Gold vs RBL Bank ShopRite vs SBI BPCL Octane

Honest side-by-side comparison of HDFC Regalia Gold, RBL Bank ShopRite, 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 ShopRite vs SBI BPCL Octane comparison table
Feature	HDFC Regalia Gold HDFC Bank	RBL Bank ShopRite RBL Bank	SBI BPCL Octane SBI Card
Annual fee	₹2,500	₹0	₹1,499
Min income (monthly)	₹50,000	₹15,000	₹30,000
Top reward rate	4 RP/₹150	5% on first ₹1,000/mo	25X points
Net annual value (moderate spend)	₹5,556/yr	₹460/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?: RBL Bank ShopRite 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?: RBL Bank ShopRite 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.

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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 BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite 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	₹0	₹1,499
Min income	₹50,000	₹15,000	₹30,000
Top reward rate	4 RP/₹150	5% on first ₹1,000/mo	25X points
Net value (moderate)	₹5,556/yr	₹460/yr	₹9,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹2,500	—	₹6,000

HDFC Regalia Gold details →RBL Bank ShopRite details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons