Equitas Excite Hdfc Bank Credit Card vs Hsbc Travelone Credit Card: Which is Better in 2026?
vs
The Equitas Excite Hdfc Bank Credit Card and the Hsbc Travelone Credit Card cater to different user needs. While the former focuses on utility and everyday spending rewards, the latter is tailored for frequent travelers with significant travel-related benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Equitas Excite Hdfc Bank Credit Card | Hsbc Travelone Credit Card |
|---|---|---|
| Bank | HDFC Bank | HSBC |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee - Rs.4999 |
| Annual / renewal fee | Renewal Fee of Rs.500 | Annual Fees - Rs.4999 |
| Annual fee waiver | Spend Rs.20000 For Joining Fee Waiver | Spend Rs.8 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | Earn 3X Reward Points on Utility Bills | Earn 4 Reward Points on Rs.100 Spent in Foreign Currency |
| Lounge — domestic | — | 6 Complimentary Domestic Airport Lounge Access Per Year |
| Lounge — international | — | 4 Complimentary International Lounge Access Per Year |
| Welcome benefit | — | Rs.1000 Cashback As Welcome Rewards |
| Milestone benefit | Earn 500 Bonus Rewards Points; Earn 2500 Bonus Rewards Points | Earn 3000 Reward Points on Spend of Rs.1 Lakhs; Earn 10000 Reward Points on Spend of Rs.1200000 |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Hsbc Travelone Credit Card is superior, offering up to 6X Reward Points on hotels and various travel-related purchases. In contrast, the Equitas Excite Hdfc Bank Credit Card provides 3X Reward Points on specific categories like utility bills and fuel, which may appeal to those with regular expenses in those areas. Overall, if maximizing rewards is a priority, the Hsbc Travelone Credit Card is the better choice.
Which is better for travel?
The Hsbc Travelone Credit Card excels in travel benefits, providing complimentary access to both domestic and international airport lounges, which is a significant advantage for frequent travelers. The Equitas Excite Hdfc Bank Credit Card lacks any lounge access benefits, making it less suitable for those who travel often. Thus, for travel-focused users, the Hsbc Travelone Credit Card stands out.
Which has lower effective cost?
In terms of effective cost, the Equitas Excite Hdfc Bank Credit Card has a lower joining and renewal fee compared to the Hsbc Travelone Credit Card. Additionally, the fee waiver criteria for the Equitas card are more accessible, requiring a spend of Rs. 20,000, whereas the Hsbc card requires a much higher spend of Rs. 8 Lakhs for fee waiver. Therefore, the Equitas card may be more appealing for those concerned about annual fees.
Who should pick Equitas Excite Hdfc Bank Credit Card?
Consider Equitas Excite Hdfc Bank Credit Card if you are looking for a low-cost card with straightforward rewards on everyday expenses like utility bills and fuel. Its lower fees and simpler waiver criteria make it a practical choice for budget-conscious users.
Who should pick Hsbc Travelone Credit Card?
Consider Hsbc Travelone Credit Card if you travel frequently and want to maximize your rewards on travel-related purchases. The added benefits of lounge access and higher reward points on hotels and flights make it ideal for those who prioritize travel perks.
Frequently Asked Questions
The joining fee for the Equitas Excite Hdfc Bank Credit Card is Rs. 500, while the Hsbc Travelone Credit Card has a joining fee of Rs. 4,999.
For the Equitas Excite Hdfc Bank Credit Card, you can waive the joining fee by spending Rs. 20,000. For the Hsbc Travelone Credit Card, you need to spend Rs. 8 Lakhs to waive the annual fee.
Both cards charge a forex markup of 3.5% on foreign currency transactions.
Yes, the Hsbc Travelone Credit Card offers 6 complimentary domestic lounge accesses and 4 international lounge accesses per year, while the Equitas Excite Hdfc Bank Credit Card does not offer any lounge access.