Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs HDFC 6E Rewards Credit Card vs HSBC TravelOne Credit Card
Honest side-by-side comparison of Axis Bank Reserve Credit Card, HDFC 6E Rewards Credit Card, HSBC TravelOne 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, HDFC 6E Rewards Credit Card ranks first for estimated net annual value — ahead of HSBC TravelOne Credit Card by about ₹4,929/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | HDFC 6E Rewards Credit Card HDFC Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹380/yr | -₹4,549/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 24 EDGE miles/₹150 | 5X reward points | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC 6E Rewards Credit Card leads with an estimated ₹380/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
- 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.
Axis Bank Reserve Credit Card
Axis Bank
HDFC 6E Rewards Credit Card
HDFC Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹380/yr | -₹4,549/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 24 EDGE miles/₹150 | 5X reward points | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | — | — | — |
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