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 ₹2,850/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 SBI BPCL Octane

Honest side-by-side comparison of HDFC Regalia Gold, 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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Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature	HDFC Regalia Gold HDFC Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹2,500	₹1,499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹2,00,000/yr spend
Min income	₹50,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹2,850/yr
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 rate	5 RP/₹200	25X points
Primary reward cap	₹15,000 eligible spend/mo	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	₹2,500	₹6,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold 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 Regalia Gold by about ₹3,520/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 Regalia Gold vs SBI BPCL Octane comparison table
Feature	HDFC Regalia Gold HDFC Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹2,500	₹1,499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹2,00,000/yr spend
Min income	₹50,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹2,850/yr
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 rate	5 RP/₹200	25X points
Primary reward cap	₹15,000 eligible spend/mo	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
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 ₹2,850/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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