CardHungry

Side-by-side · honest numbers

HSBC Cashback Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of HSBC Cashback Credit Card, 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

Customize your spend

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.

HSBC Cashback Credit Card

HSBC

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature
HSBC Cashback Credit Card

HSBC Cashback Credit Card

HSBC

SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹999₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹40,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,291/yr₹2,850/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo₹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 rate10%25X points
Primary reward cap₹1,000 eligible spend/mo₹10,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus—₹6,000

Stack mode (hold both)

Cap-aware split: ~₹8,541/yr combined NAV (₹2,250 vs best solo). Both annual fees apply.

HSBC Cashback Credit Card details →SBI BPCL Octane details →

Share this comparison

https://cardhungry.com/in/en/compare/hsbc-cashback-vs-sbi-bpcl-octane

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Cashback Credit Card leads SBI BPCL Octane by about ₹3,441/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

HSBC Cashback Credit Card vs SBI BPCL Octane comparison table
FeatureHSBC Cashback Credit Card

HSBC

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹999₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹40,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,291/yr₹2,850/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo₹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 rate10%25X points
Primary reward cap₹1,000 eligible spend/mo₹10,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus—₹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?
HSBC Cashback Credit Card leads with an estimated ₹6,291/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.

More HSBC Cashback Credit Card comparisons