Which card has a lower forex fee: Axis Bank Horizon Credit Card or HSBC TravelOne Credit Card?

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

Which card has a lower annual fee: Axis Bank Horizon Credit Card or HSBC TravelOne Credit Card?

Axis Bank Horizon Credit Card has a lower annual fee (₹3,000 vs ₹4,999).

Which card offers better lounge access?

Axis Bank Horizon Credit Card: 8 domestic + 2 international lounge visits/quarter. HSBC TravelOne Credit Card: 6 domestic + 4 international lounge visits/year.

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 →

Axis Bank Horizon vs HSBC India TravelOne Visa Credit Cards – Fees, Lounge, Forex

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.

Lounge Axis Bank Horizon

Quick comparison

Three core metrics

Horizon Axis Bank

Annual fee ₹3,000
Forex markup 3.5%
Domestic lounge 32/year (8 per quarter)

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

Horizon

2 EDGE Miles / ₹100

Limited data

TravelOne Visa

2 pts / ₹100 · Up to 4 pts / ₹100 on international spend

Limited data

Pick based on what matters

3 dimensions

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 3.5%), or lounge access (32/year (8 per quarter) vs 6/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank Horizon wins

Axis Bank Horizon is better for lounge access

Axis Bank Horizon is stronger here. Domestic lounge access is 8 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank Horizon conservative base value ~2% per ₹100. HSBC India TravelOne Visa is not safely INR-comparable (no usable point value).

Horizon: Limited data TravelOne Visa: Limited data

Axis Bank Horizon

Confidence: Low (limited information available)

Verify with issuer

HSBC India TravelOne Visa

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Horizon: ~₹1,000/month at base rate
HSBC TravelOne: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Horizon Axis Bank	TravelOne Visa HSBC India
Lounge Access
Domestic lounge visits 32/year (8 per quarter) vs 6/year	32/year (8 per quarter)	6/year
International lounge visits 8/year vs 4/year	8/year	4/year
Forex / International Use
Forex markup	3.5%	3.5%
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
Interest-free period Only available for Horizon	Up to 50 days	Not specified
Rewards
Points per ₹100 2 EDGE Miles / ₹100 vs 2 pts / ₹100	2 EDGE Miles / ₹100	2 pts / ₹100
Conservative base value ~2% vs Not safely INR-comparable	~2%	Not safely INR-comparable
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Horizon	₹1	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.