2 pts / ₹100
Strong data Pairwise comparison
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American Express Gold Charge Card vs HSBC India TravelOne Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the American Express Gold Charge Card and the HSBC India TravelOne. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick TravelOne for lounge access.
Head-to-head
Three core metrics- Annual fee Gold Charge Card saves ₹499/yrGold Charge Card ₹4,500 Annual-fee waiver not offeredTravelOne ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup Gold Charge Card 3.5%TravelOne 3.5%
- Domestic lounge TravelOne: +6 lounge visits/yrGold Charge Card No complimentary lounge accessTravelOne 6/year
Reward earning explained
Per card2 pts / ₹100 · 4 points/₹100 on eligible airlines, travel aggregators and foreign-currency transactions
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (American Express Gold Charge Card: ₹4,500 vs HSBC India TravelOne: ₹4,999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 6/year).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access HSBC India TravelOne wins HSBC India TravelOne is better for lounge access
HSBC India TravelOne is stronger here. Domestic lounge access is 6 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: American Express Gold Charge Card conservative base value ~0.666% per ₹100. HSBC India TravelOne is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- American Express Gold Charge Card: ~₹330/month at base rate
- HSBC TravelOne: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Gold Charge Card American Express | TravelOne HSBC India |
|---|---|---|
| Insurance — Air accident cover Only available for American Express Gold Charge Card | ₹30 lakh | Not specified |
| Insurance — Lost card liability cover Only available for HSBC TravelOne | Not specified | ₹3 lakh |
| Insurance — Purchase protection Only available for HSBC TravelOne | Not specified | Not specified |
| Insurance — Underwriter Only available for American Express Gold Charge Card | Insured by ICICI Lombard General Insurance Company Limited | Not specified |
| 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 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹4,500 vs ₹4,999 | ₹4,500 | ₹4,999 |
| First-year cost Only available for American Express Gold Charge Card | ₹1,000 | Not specified |
| Annual-fee waiver Not offered vs ₹8,00,000 | Not offered | ₹8,00,000 |
| Monthly interest rate Only available for HSBC TravelOne | Not specified | 3.75% / month |
| Fuel benefit Only available for American Express Gold Charge Card | 1% surcharge waiver · ₹5,000+ transactions · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 | 2 pts / ₹100 | 2 pts / ₹100 |
| Conservative base value ~0.7% vs Not safely INR-comparable | ~0.7% | Not safely INR-comparable |
| Earn ceiling Not stated vs Calendar-month cap: 50,000 points shared across Airlines and travel aggregators & Foreign-currency transactions | Not stated | Calendar-month cap: 50,000 points shared across Airlines and travel aggregators & Foreign-currency transactions |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for American Express Gold Charge Card | ₹0.333 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
American Express Gold Charge Card
Verify with issuer , opens external siteHSBC India TravelOne
Verify with issuer , opens external site