Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs HSBC TravelOne Credit Card
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, HSBC TravelOne Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Bank Infinia Credit Card
HDFC Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,500 | ₹4,999 |
| Fee waiver threshold | ₹10,00,000/yr | ₹12,00,000/yr |
| Min income | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,246/yr | -₹5,239/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 5 RP/₹150 | 4 points/₹100 |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITC | 6 domestic + 4 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-infinia-vs-hsbc-traveloneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC TravelOne Credit Card leads HDFC Bank Infinia Credit Card by about ₹3,007/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,500 | ₹4,999 |
| Fee waiver threshold | ₹10,00,000/yr | ₹12,00,000/yr |
| Min income | ₹1,00,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,246/yr | -₹5,239/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr) | ₹3,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 5 RP/₹150 | 4 points/₹100 |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITC | 6 domestic + 4 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC TravelOne Credit Card has the lowest annual fee at ₹4,999.
- Which card earns more on moderate spend?
- HSBC TravelOne Credit Card leads with an estimated -₹5,239/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HSBC TravelOne Credit Card lists a minimum monthly income of ₹75,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC Bank Infinia Credit Card comparisons
- HDFC Bank Infinia Credit Card vs 811 Dream Different Credit Card
- HDFC Bank Infinia Credit Card vs AU Altura Credit Card
- HDFC Bank Infinia Credit Card vs AU Altura+ Credit Card
- HDFC Bank Infinia Credit Card vs AU LIT Credit Card
- HDFC Bank Infinia Credit Card vs AU Zenith Credit Card
- HDFC Bank Infinia Credit Card vs American Express Gold Card
- HDFC Bank Infinia Credit Card vs American Express Platinum Travel Card
- HDFC Bank Infinia Credit Card vs American Express SmartEarn Credit Card
- HDFC Bank Infinia Credit Card vs Amex Membership Rewards CC
- HDFC Bank Infinia Credit Card vs Axis Bank ACE Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Atlas Credit Card