Shoppers Stop Black HDFC Bank Credit Card vs HSBC TravelOne Credit Card
HDFC Bank · HSBC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹4,500
Max Reward7%
HSBC BankScoreExcellent
Annual Fee₹4,999
Max Reward6%
Shoppers Stop Black HDFC Bank Credit Card leads overall with a CardCheck Score of 83/100 (+3 pts over HSBC TravelOne Credit Card).
4-Pillar Head-to-Head Breakdown
Shoppers vs HSBCReward Power
35%Shoppers35/35
HSBC34/35
Shoppers Wins
Fee Value & ROI
25%Shoppers18/25
HSBC14/25
Shoppers Wins
Lounge & Travel
20%Shoppers18/20
HSBC18/20
Tie (18/20)
Forex & Access
20%Shoppers12/20
HSBC14/20
HSBC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 83Best
- 80
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- HDFC Bank
- HSBC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Shoppers Stop Black First Citizen — premium retail rewards with lounge access
- Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio
03—Fees
- Joining fee
- ₹4,500Best
- ₹4,999
- Annual fee
- ₹4,500Best
- ₹4,999
- Fee waiver
- ₹5,00,000Best
- ₹12,00,000
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- ₹1,200Best
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- miles
- Min rate
- 2%Best
- 1.5%
- Max rate
- 7%Best
- 6%
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 1
- Intl lounge / year
- 8Best
- 4
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 1.5%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹1,00,000
- ₹1,00,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
09of 11
02of 11
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 83Best | 80 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HSBC Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Shoppers Stop Black First Citizen — premium retail rewards with lounge access | Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio |
03—Fees Differences highlighted | ||
| Joining fee | ₹4,500Best | ₹4,999 |
| Annual fee | ₹4,500Best | ₹4,999 |
| Fee waiver | ₹5,00,000Best | ₹12,00,000 |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | ₹1,200Best |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | miles |
| Min rate | 2%Best | 1.5% |
| Max rate | 7%Best | 6% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 1 |
| Intl lounge / year | 8Best | 4 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 1.5%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹1,00,000 | ₹1,00,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 09of 11 | 02of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Shoppers Stop Black HDFC Bank Credit Card | HSBC TravelOne Credit Card |
|---|---|---|
| CardCheck Score | 83/100Excellent | 80/100Excellent |
| Annual Fee | ₹4,500 | ₹4,999 |
| Fee Waiver Spend | ₹5L/yr | ₹12L/yr |
| Max Reward Potential | 7% | 6% |
| Domestic Lounge Access | 4 / quarter | 1 / quarter |
| International Lounge | 8 / year | 4 / year |
| Forex Markup Fee | 2% | 1.5% |
Choose Shoppers Stop Black HDFC Bank Credit Card if:
Your spending centers around shoppers stop black first citizen — premium retail rewards with lounge access and you want direct partner rewards with HDFC 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: Shoppers Stop Black HDFC Bank Credit Card vs HSBC TravelOne Credit Card
- Which is better: Shoppers Stop Black HDFC Bank Credit Card or HSBC TravelOne Credit Card?
- Shoppers Stop Black HDFC Bank Credit Card holds a higher overall rating with a CardCheck Score of 83/100 (Excellent) compared to 80/100 (Excellent) for HSBC TravelOne Credit Card (a lead of +3 points). Shoppers Stop Black HDFC Bank 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?
- Shoppers Stop Black HDFC Bank Credit Card charges an annual fee of ₹4,500 with an annual spend threshold of ₹5 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 Shoppers Stop Black HDFC Bank Credit Card and HSBC TravelOne Credit Card?
- Shoppers Stop Black HDFC Bank Credit Card offers a base reward rate of 2% and up to 7% 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: Shoppers Stop Black HDFC Bank Credit Card or HSBC TravelOne Credit Card?
- Shoppers Stop Black HDFC Bank Credit Card provides 4 domestic lounge visit(s) per quarter and 8 international lounge visit(s)/yr. 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?
- Shoppers Stop Black HDFC Bank Credit Card levies a foreign currency markup fee of 2%, 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).