Side-by-side · honest numbers
Kotak White Credit Card vs SBI BPCL Octane vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Kotak White Credit Card, SBI BPCL Octane, SBI Card against Fixed Deposit — 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 against Fixed Deposit by about ₹7,800/yr.
| Feature | Kotak White Credit Card Kotak Mahindra Bank | SBI BPCL Octane SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | ₹30,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹9,570/yr | ₹1,770/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 | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | — |
| Top reward rate | 2X reward points | 25X points | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access — verify visit count on issuer site | None | None |
| 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 | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit 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?
- SBI BPCL Octane lists a minimum monthly income of ₹30,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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.
Kotak White Credit Card
Kotak Mahindra Bank
SBI BPCL Octane
SBI Card
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra 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 CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | ₹30,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹9,570/yr | ₹1,770/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 | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | — |
| Top reward rate | 2X reward points | 25X points | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access — verify visit count on issuer site | None | None |
| 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 | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹6,000 | — |
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https://cardhungry.com/in/en/compare/kotak-white-vs-sbi-bpcl-octane-vs-sbi-fd-securedMore Kotak White Credit Card comparisons
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