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 vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI BPCL Octane, SBI Card against Fixed Deposit, Standard Chartered Ultimate Credit Card — 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 Standard Chartered Ultimate Credit Card by about ₹4,610/yr.

SBI BPCL Octane vs SBI Card against Fixed Deposit vs Standard Chartered Ultimate Credit Card comparison table
Feature	SBI BPCL Octane SBI Card	SBI Card against Fixed Deposit SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹1,499	₹0	₹5,000
Min income (monthly)	₹30,000	Not stated	₹60,000
Top reward rate	25X points	80% of FD value	5%
Net annual value (moderate spend)	₹9,570/yr	₹1,770/yr	₹4,960/yr
Secured / FD-backed	No	Yes	No
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	Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered
Annual fee	₹1,499	₹0	₹5,000
Min income	₹30,000	Not stated	₹60,000
Top reward rate	25X points	80% of FD value	5%
Net value (moderate)	₹9,570/yr	₹1,770/yr	₹4,960/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹6,000	—	—

SBI BPCL Octane details →SBI Card against Fixed Deposit details →Standard Chartered Ultimate Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI BPCL Octane comparisons