Side-by-side · honest numbers
HSBC TravelOne Credit Card vs ICICI Platinum Chip vs RBL World Safari
Honest side-by-side comparison of HSBC TravelOne Credit Card, ICICI Platinum Chip, RBL World Safari — 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, RBL World Safari ranks first for estimated net annual value — ahead of ICICI Platinum Chip by about ₹2,110/yr.
| Feature | HSBC TravelOne Credit Card HSBC | ICICI Platinum Chip ICICI Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | Lifetime free | ₹3,000 |
| Fee waiver threshold | ₹12,00,000/yr | Lifetime free | No waiver published |
| Min income | ₹75,000/mo | ₹18,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | -₹142/yr | ₹1,968/yr |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 3X points | 1 RP/₹150 | 4X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- RBL World Safari leads with an estimated ₹1,968/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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 TravelOne Credit Card
HSBC
ICICI Platinum Chip
ICICI Bank
RBL World Safari
RBL Bank
Your adjusted comparison
| Feature | 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 | ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI Bank | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | Lifetime free | ₹3,000 |
| Fee waiver threshold | ₹12,00,000/yr | Lifetime free | No waiver published |
| Min income | ₹75,000/mo | ₹18,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | -₹142/yr | ₹1,968/yr |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 3X points | 1 RP/₹150 | 4X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Share this comparison
https://cardhungry.com/in/en/compare/hsbc-travelone-vs-icici-platinum-chip-vs-rbl-world-safariMore HSBC TravelOne Credit Card comparisons
- HSBC TravelOne Credit Card vs 811 Dream Different Credit Card
- HSBC TravelOne Credit Card vs AU Altura Credit Card
- HSBC TravelOne Credit Card vs AU Zenith Credit Card
- HSBC TravelOne Credit Card vs American Express Gold Card
- HSBC TravelOne Credit Card vs American Express Platinum Travel Card
- HSBC TravelOne Credit Card vs American Express SmartEarn Credit Card
- HSBC TravelOne Credit Card vs Amex Membership Rewards CC
- HSBC TravelOne Credit Card vs Axis Bank ACE Credit Card
- HSBC TravelOne Credit Card vs Axis Bank Airtel Credit Card
- HSBC TravelOne Credit Card vs Axis Bank Atlas Credit Card
- HSBC TravelOne Credit Card vs Axis Bank Flipkart Credit Card
- HSBC TravelOne Credit Card vs Axis Bank Magnus Credit Card