Which card has a lower forex fee: American Express Gold Charge Card or HSBC TravelOne Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: American Express Gold Charge Card or HSBC TravelOne Credit Card?

American Express Gold Charge Card has a lower annual fee (₹4,500 vs ₹4,999).

Which card offers better lounge access?

American Express Gold Charge Card: No complimentary lounge access. HSBC TravelOne Credit Card: 6 per year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

American Express Gold Charge Card vs HSBC India TravelOne Visa Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the American Express Gold Charge Card and the HSBC India TravelOne Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge HSBC India TravelOne Visa

Quick comparison

Three core metrics

Gold Charge Card American Express

Annual fee ₹4,500
Forex markup 3.5%
Domestic lounge No complimentary lounge access

TravelOne Visa HSBC India

Annual fee ₹4,999 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 6/year

Reward earning explained

Per card

Gold Charge Card

2 pts / ₹100 on General spend (Earn 1 Membership Rewards Point per ₹50 except f…

Limited data

TravelOne Visa

4 pts / ₹100 on Travel Airlines Foreign (international) + 2 pts / ₹100 on Gener…

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (American Express Gold Charge Card: ₹4,500 vs HSBC India TravelOne Visa: ₹4,999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 6/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access HSBC India TravelOne Visa wins

HSBC India TravelOne Visa is better for lounge access

HSBC India TravelOne Visa is stronger here. Domestic lounge access is 6 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Only American Express Gold Charge Card has comparable evidence here. Base earn is 2 pts per ₹100.

Gold Charge Card: Limited data TravelOne Visa: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

American Express Gold Charge Card: Base earn not clearly specified
HSBC TravelOne: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Gold Charge Card American Express	TravelOne Visa HSBC India
Lounge Access
Domestic lounge visits No complimentary lounge access vs 6/year	No complimentary lounge access	6/year
International lounge visits Only available for HSBC TravelOne	Not specified	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹4,500 vs ₹4,999	₹4,500	₹4,999
Joining fee ₹1,000 vs ₹4,999	₹1,000	₹4,999
Fee waiver spend Only available for HSBC TravelOne	Not specified	₹8,00,000
Rewards
Points per ₹100	2 pts	2 pts

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.