Shortlist 2–4 cards
Side-by-side comparison of the Axis Bank Horizon and the HSBC India TravelOne Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Horizon | TravelOne Visa |
|---|---|---|
| Annual fee | ₹3,000 | ₹4,999 Waivable at ₹8,00,000 spend |
| Forex fee | 3.5% | 0% |
| Domestic lounge | 32/year | 6/year |
Fees: Horizon wins
Confidence: High
Forex: TravelOne Visa wins
Confidence: Medium (verify with issuer)
Lounge: Horizon wins
Confidence: Medium (verify with issuer)
Confidence: Medium (verify with issuer)
Start with the constraint you care about most: annual fee (Axis Bank Horizon: ₹3,000 vs HSBC India TravelOne Visa: ₹4,999), forex markup (3.5% vs 0%), or lounge access (32/year vs 6/year).
Explore: Axis Bank Horizon card page · HSBC India TravelOne Visa card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Horizon Axis Bank | TravelOne Visa HSBC India | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 32/year vs 6/year | 32/year | 6/year |
| International lounge visits 8/year vs 4/year | 8/year | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Annual fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| Joining fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| Fee waiver spend Only available for HSBC TravelOne | Not specified | ₹8,00,000 |
| Rewards | ||
| Points per ₹100 | 2 pts | 2 pts |
| Point cash value ₹1 vs ₹0.35 | ₹1 | ₹0.35 |