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.

Side-by-side · honest numbers

SBI BPCL Octane vs SBI Card against Fixed Deposit

Honest side-by-side comparison of 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 leads SBI Card against Fixed Deposit by about ₹7,800/yr in estimated net value.

SBI BPCL Octane vs SBI Card against Fixed Deposit comparison table
Feature	SBI BPCL Octane SBI Card	SBI Card against Fixed Deposit SBI Card
Annual fee	₹1,499	₹0
Min income (monthly)	₹30,000	Not stated
Top reward rate	25X points	80% of FD value
Net annual value (moderate spend)	₹9,570/yr	₹1,770/yr
Secured / FD-backed	No	Yes
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.

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Your adjusted comparison

Feature	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
Annual fee	₹1,499	₹0
Min income	₹30,000	Not stated
Top reward rate	25X points	80% of FD value
Net value (moderate)	₹9,570/yr	₹1,770/yr
Secured / no bureau	Standard	FD-backed
Signup bonus	₹6,000	—

SBI BPCL Octane details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI BPCL Octane comparisons