Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs HSBC TravelOne Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HSBC TravelOne Credit Card, 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹3,041/yr.
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | HSBC TravelOne Credit Card HSBC | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | ₹499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | -₹4,549/yr | ₹3,731/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 10X points | 3X points | 2% cashback |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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?
- Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
- 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.
HDFC MoneyBack+ Credit Card
HDFC Bank
HSBC TravelOne Credit Card
HSBC
Standard Chartered Smart Card
Standard Chartered
Your adjusted comparison
| Feature | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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 | 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | ₹499 |
| Fee waiver threshold | No waiver published | ₹12,00,000/yr | No waiver published |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹690/yr | -₹4,549/yr | ₹3,731/yr |
| Online shopping | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 10X points | 3X points | 2% cashback |
| Primary reward cap | ₹2,500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-hsbc-travelone-vs-sc-smartMore HDFC MoneyBack+ Credit Card comparisons
- HDFC MoneyBack+ Credit Card vs 811 Dream Different Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura Credit Card
- HDFC MoneyBack+ Credit Card vs AU Zenith Credit Card
- HDFC MoneyBack+ Credit Card vs American Express Gold Card
- HDFC MoneyBack+ Credit Card vs American Express Platinum Travel Card
- HDFC MoneyBack+ Credit Card vs American Express SmartEarn Credit Card
- HDFC MoneyBack+ Credit Card vs Amex Membership Rewards CC
- HDFC MoneyBack+ Credit Card vs Axis Bank ACE Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Airtel Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Atlas Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Flipkart Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Magnus Credit Card