HSBC Cashback Card vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | HSBC India | Standard Chartered |
| Card Type | Cashback | Super Premium |
| Annual Fee | ₹750 + GST | ₹5,000 + GST |
| Joining Fee | ₹750 + GST | ₹5,000 + GST |
| Rewards | 1.5% unlimited cashback on all spends | 3.33% rewards value on all spends |
| Best For | Pure Cashback | Luxury Travel |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | ₹750 cashback on first ₹7,500 spend | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹25,000/month | ₹1,00,000/month |
| Lounge Access | 2 domestic per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: HSBC Cashback Card or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HSBC Cashback Card and SC Ultimate?
HSBC Cashback Card is cheaper to hold at ₹750 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do HSBC Cashback Card and SC Ultimate offer airport lounge access?
HSBC Cashback Card: 2 domestic per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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