Which card has the lower annual fee?

IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.

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

IndusInd Legend Credit Card vs SBI BPCL Octane vs SBI Card MILES

Honest side-by-side comparison of IndusInd Legend Credit Card, SBI BPCL Octane, SBI Card MILES — 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 SBI Card MILES by about ₹6,280/yr.

IndusInd Legend Credit Card vs SBI BPCL Octane vs SBI Card MILES comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	SBI BPCL Octane SBI Card	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹2,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹834/yr	₹9,570/yr	₹3,290/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	1 reward point/₹100	25X points	6X reward points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹2,000

Frequently asked questions

Which card has the lower annual fee?: IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
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

IndusInd Legend Credit Card

IndusInd Bank

Card 2

SBI BPCL Octane

SBI Card

Card 3

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd 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	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹2,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹20,000/mo	₹30,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹834/yr	₹9,570/yr	₹3,290/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	—	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	—	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	1 reward point/₹100	25X points	6X reward points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹6,000	₹2,000

IndusInd Legend Credit Card details →SBI BPCL Octane details →SBI Card MILES details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Legend Credit Card comparisons