Side-by-side · honest numbers
HSBC TravelOne Credit Card vs RBL World Safari vs YES ACE Credit Card
Honest side-by-side comparison of HSBC TravelOne Credit Card, RBL World Safari, YES ACE 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, YES ACE Credit Card ranks first for estimated net annual value — ahead of RBL World Safari by about ₹2,483/yr.
| Feature | HSBC TravelOne Credit Card HSBC | RBL World Safari RBL Bank | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹3,000 | ₹499 |
| Fee waiver threshold | ₹12,00,000/yr | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹1,968/yr | ₹4,451/yr |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/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 | 4X points | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | 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 | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- YES ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- YES ACE Credit Card leads with an estimated ₹4,451/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- YES ACE Credit Card lists a minimum monthly income of ₹25,000.
- 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
RBL World Safari
RBL Bank
YES ACE Credit Card
YES 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 | 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 | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹3,000 | ₹499 |
| Fee waiver threshold | ₹12,00,000/yr | No waiver published | No waiver published |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹1,968/yr | ₹4,451/yr |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/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 | 4X points | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | 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 | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | — |
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https://cardhungry.com/in/en/compare/hsbc-travelone-vs-rbl-world-safari-vs-yes-aceMore HSBC TravelOne Credit Card comparisons
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