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 SBI BPCL Octane vs SBI Card PRIME

Honest side-by-side comparison of HSBC Cashback Credit Card, SBI BPCL Octane, SBI Card PRIME — 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 SBI BPCL Octane vs SBI Card PRIME comparison table
Feature	HSBC Cashback Credit Card HSBC	SBI BPCL Octane SBI Card	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹999	₹1,499	₹2,999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹40,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹9,570/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	10%	25X points	4X reward points
Primary reward cap	₹1,000 eligible spend/mo	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹3,000

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

HSBC Cashback Credit Card

HSBC

Card 2

SBI BPCL Octane

SBI Card

Card 3

SBI Card PRIME

SBI Card

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	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	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹999	₹1,499	₹2,999
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹40,000/mo	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹7,941/yr	₹9,570/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	10% cashback → ₹400/mo (₹4,800/yr)	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	10%	25X points	4X reward points
Primary reward cap	₹1,000 eligible spend/mo	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹3,000

HSBC Cashback Credit Card details →SBI BPCL Octane details →SBI Card PRIME details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons