ACE Credit Card vs HSBC TravelOne Credit Card
Axis Bank · HSBC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
HSBC BankScoreExcellent
Annual Fee₹4,999
Max Reward6%
HSBC TravelOne Credit Card leads overall with a CardCheck Score of 80/100 (+1 pts over ACE Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs HSBCReward Power
35%ACE34/35
HSBC34/35
Tie (34/35)
Fee Value & ROI
25%ACE22/25
HSBC14/25
ACE Wins
Lounge & Travel
20%ACE11/20
HSBC18/20
HSBC Wins
Forex & Access
20%ACE12/20
HSBC14/20
HSBC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 80Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 14/25
- Lounge & Travel (20%)
- 11/20
- 18/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- HSBC Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Premium
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio
03—Fees
- Joining fee
- ₹499Best
- ₹4,999
- Annual fee
- ₹499Best
- ₹4,999
- Fee waiver
- ₹2,00,000Best
- ₹12,00,000
- Interest-free days
- —
- 45
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- ₹1,200
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- miles
- Min rate
- 1.5%
- 1.5%
- Max rate
- 5%
- 6%Best
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Intl lounge / year
- 0
- 4Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 18
- Min income / month
- ₹15,000
- ₹1,00,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
03of 09
06of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 80Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 14/25 |
| Lounge & Travel (20%) | 11/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HSBC Bank |
| Network | Visa | Visa |
| Card type | Regular | Premium |
| Best for | Cashback on utility bills via Google Pay and daily spending | Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹4,999 |
| Annual fee | ₹499Best | ₹4,999 |
| Fee waiver | ₹2,00,000Best | ₹12,00,000 |
| Interest-free days | — | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | ₹1,200 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | miles |
| Min rate | 1.5% | 1.5% |
| Max rate | 5% | 6%Best |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Intl lounge / year | 0 | 4Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 18 |
| Min income / month | ₹15,000 | ₹1,00,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 03of 09 | 06of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | HSBC TravelOne Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 80/100Excellent |
| Annual Fee | ₹499 | ₹4,999 |
| Fee Waiver Spend | ₹2L/yr | ₹12L/yr |
| Max Reward Potential | 5% | 6% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | 4 / year |
| Forex Markup Fee | 3.5% | 1.5% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose HSBC TravelOne Credit Card if:
Your spending aligns with frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio and you prioritize HSBC Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs HSBC TravelOne Credit Card
- Which is better: ACE Credit Card or HSBC TravelOne Credit Card?
- HSBC TravelOne Credit Card holds a higher overall rating with a CardCheck Score of 80/100 (Excellent) compared to 79/100 (Very Good) for ACE Credit Card (a lead of +1 points). HSBC TravelOne Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, HSBC TravelOne Credit Card charges an annual fee of ₹4,999 with an annual spend threshold of ₹12 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and HSBC TravelOne Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, HSBC TravelOne Credit Card offers a base rate of 1.5% and up to 6% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or HSBC TravelOne Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, HSBC TravelOne Credit Card provides 1 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while HSBC TravelOne Credit Card charges 1.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).