Side-by-side · honest numbers
HSBC Cashback Credit Card vs IndusInd Bank Tiger Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, IndusInd Bank Tiger Credit Card, OneCard Metal 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹3,981/yr.
| Feature | HSBC Cashback Credit Card HSBC | IndusInd Bank Tiger Credit Card IndusInd Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹40,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | -₹20/yr | ₹3,960/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Top reward rate | 10% | 1 reward point/₹150 | 1% cashback |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Tiger Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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.
HSBC Cashback Credit Card
HSBC
IndusInd Bank Tiger Credit Card
IndusInd Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger Credit Card IndusInd Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹40,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹7,941/yr | -₹20/yr | ₹3,960/yr |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Top reward rate | 10% | 1 reward point/₹150 | 1% cashback |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hsbc-cashback-vs-indusind-tiger-vs-onecardMore HSBC Cashback Credit Card comparisons
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