Which card has the lower annual fee?

Standard Chartered Smart Card has the lowest annual fee at ₹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 SBI BPCL Octane vs Standard Chartered Smart Card

Honest side-by-side comparison of HDFC Regalia Gold, SBI BPCL Octane, Standard Chartered Smart 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 Regalia Gold by about ₹4,014/yr.

HDFC Regalia Gold vs SBI BPCL Octane vs Standard Chartered Smart Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	SBI BPCL Octane SBI Card	Standard Chartered Smart Card Standard Chartered
Annual fee	₹2,500	₹1,499	₹499
Min income (monthly)	₹50,000	₹30,000	₹30,000
Top reward rate	4 RP/₹150	25X points	2% cashback
Net annual value (moderate spend)	₹5,556/yr	₹9,570/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	₹2,500	₹6,000	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Smart Card has the lowest annual fee at ₹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.

Card 1

Card 2

Card 3

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	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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹2,500	₹1,499	₹499
Min income	₹50,000	₹30,000	₹30,000
Top reward rate	4 RP/₹150	25X points	2% cashback
Net value (moderate)	₹5,556/yr	₹9,570/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹2,500	₹6,000	—

HDFC Regalia Gold details →SBI BPCL Octane details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons