Side-by-side · honest numbers
HSBC TravelOne Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of HSBC TravelOne Credit Card, IDFC FIRST HPCL Power+ Credit Card, SBI Card against Fixed Deposit — 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, IDFC FIRST HPCL Power+ Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹1,590/yr.
| Feature | HSBC TravelOne Credit Card HSBC | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹499 | Lifetime free |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹3,360/yr | ₹1,770/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | — |
| Top reward rate | 3X points | 30 pts/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent · Wallet · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST HPCL Power+ Credit Card leads with an estimated ₹3,360/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
SBI Card against Fixed Deposit
SBI Card
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 | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹499 | Lifetime free |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹3,360/yr | ₹1,770/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | — |
| Top reward rate | 3X points | 30 pts/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent · Wallet · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/hsbc-travelone-vs-idfc-hpcl-power-plus-vs-sbi-fd-securedMore HSBC TravelOne Credit Card comparisons
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