Side-by-side · honest numbers
HSBC TravelOne Credit Card vs SBI Cashback Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of HSBC TravelOne Credit Card, SBI Cashback Credit Card, Standard Chartered Ultimate 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Ultimate Credit Card by about ₹2,990/yr.
| Feature | HSBC TravelOne Credit Card HSBC | SBI Cashback Credit Card SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹999 | ₹5,000 |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹6,750/yr | ₹3,760/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X points | 5% | 5% |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | ₹5,000 eligible spend/mo |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback 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
SBI Cashback Credit Card
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
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 | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹999 | ₹5,000 |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹6,750/yr | ₹3,760/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X points | 5% | 5% |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | ₹5,000 eligible spend/mo |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hsbc-travelone-vs-sbi-cashback-vs-sc-ultimateMore HSBC TravelOne Credit Card comparisons
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