Which card has the lower annual fee?

Standard Chartered Smart Card has the lowest annual fee at ₹499.

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

SBI BPCL Octane vs Standard Chartered Smart Card

Honest side-by-side comparison of SBI BPCL Octane, Standard Chartered Smart 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 leads Standard Chartered Smart Card by about ₹5,839/yr in estimated net value.

SBI BPCL Octane vs Standard Chartered Smart Card comparison table
Feature	SBI BPCL Octane SBI Card	Standard Chartered Smart Card Standard Chartered
Annual fee	₹1,499	₹499
Min income (monthly)	₹30,000	₹30,000
Top reward rate	25X points	2% cashback
Net annual value (moderate spend)	₹9,570/yr	₹3,731/yr
Secured / FD-backed	No	No
Signup bonus	₹6,000	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Smart Card has the lowest annual fee at ₹499.
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.

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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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹1,499	₹499
Min income	₹30,000	₹30,000
Top reward rate	25X points	2% cashback
Net value (moderate)	₹9,570/yr	₹3,731/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹6,000	—

SBI BPCL Octane details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI BPCL Octane comparisons