2 EDGE Miles / ₹100 · 5 EDGE Miles/₹100 on eligible airline and axis Travel Edge
Strong data Pairwise comparison
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Axis Bank Horizon vs HSBC India TravelOne Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Horizon and the HSBC India TravelOne. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Horizon for lounge access.
Head-to-head
Three core metrics- Annual fee Horizon saves ₹1,999/yrHorizon ₹3,000 Annual-fee waiver not offeredTravelOne ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup Horizon 3.5%TravelOne 3.5%
- Domestic lounge Horizon: +26 lounge visits/yrHorizon 32/year (8 per quarter)TravelOne 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 (Axis Bank Horizon: ₹3,000 vs HSBC India TravelOne: ₹4,999), forex markup (3.5% vs 3.5%), or lounge access (32/year (8 per quarter) 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 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.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank Horizon conservative base value ~2% 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:
- Horizon: ~₹1,000/month at base rate
- HSBC TravelOne: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Horizon Axis Bank | TravelOne HSBC India |
|---|---|---|
| Insurance — Lost card liability cover ₹10 lakh vs ₹3 lakh | ₹10 lakh | ₹3 lakh |
| Insurance — Purchase protection Only available for HSBC TravelOne | Not specified | Not specified |
| Insurance — Underwriter Only available for Horizon | Insured by The New India Assurance Co. Ltd | Not specified |
| Lounge Access | ||
| Domestic lounge visits 32/year (8 per quarter) vs 6/year | 32/year (8 per quarter) | 6/year |
| International lounge visits 2 per quarter vs 4 per year | 2 per quarter | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| Annual-fee waiver Not offered vs ₹8,00,000 | Not offered | ₹8,00,000 |
| Interest-free period Only available for Horizon | Up to 50 days | Not specified |
| Monthly interest rate Only available for HSBC TravelOne | Not specified | 3.75% / month |
| Fuel benefit Only available for Horizon | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | 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 |
| 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 rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Horizon | ₹1 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Horizon
Verify with issuer , opens external siteHSBC India TravelOne
Verify with issuer , opens external site