Which card has the lower annual fee?

HSBC Cashback Credit Card has the lowest annual fee at ₹999.

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

HSBC Cashback Credit Card vs RBL World Safari vs SBI BPCL Octane

Honest side-by-side comparison of HSBC Cashback Credit Card, RBL World Safari, 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 HSBC Cashback Credit Card by about ₹1,629/yr.

HSBC Cashback Credit Card vs RBL World Safari vs SBI BPCL Octane comparison table
Feature	HSBC Cashback Credit Card HSBC	RBL World Safari RBL Bank	SBI BPCL Octane SBI Card
Annual fee	₹999	₹3,000	₹1,499
Min income (monthly)	₹40,000	₹50,000	₹30,000
Top reward rate	10%	4X points	25X points
Net annual value (moderate spend)	₹7,941/yr	₹2,248/yr	₹9,570/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹3,000	₹6,000

Frequently asked questions

Which card has the lower annual fee?: HSBC Cashback Credit Card has the lowest annual fee at ₹999.
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	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari 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	₹999	₹3,000	₹1,499
Min income	₹40,000	₹50,000	₹30,000
Top reward rate	10%	4X points	25X points
Net value (moderate)	₹7,941/yr	₹2,248/yr	₹9,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹3,000	₹6,000

HSBC Cashback Credit Card details →RBL World Safari details →SBI BPCL Octane details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons