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

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

Which card offers better lounge access?

Axis Bank SELECT Credit Card: 2 per quarter domestic lounge. 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 →

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

Side-by-side comparison of the Axis Bank SELECT and the HSBC India TravelOne Visa. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge Axis Bank SELECT

Quick comparison

Three core metrics

SELECT Axis Bank

Annual fee ₹3,000 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months

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

SELECT

5 pts / ₹100 on General spend

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 (Axis Bank SELECT: ₹3,000 vs HSBC India TravelOne Visa: ₹4,999), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 6/year).

Forex markup Tie

Both cards are similar for forex

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

Axis Bank SELECT is better for lounge access

Axis Bank SELECT is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank SELECT has comparable evidence here. Estimated base reward value is ~1% on base spend.

TravelOne Visa: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SELECT: ~₹500/month at base rate
HSBC TravelOne: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	SELECT Axis Bank	TravelOne Visa HSBC India
Lounge Access
Domestic lounge visits 2/quarter vs 6/year	2/quarter	6/year
International lounge visits 6/year vs 4/year	6/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	₹8,00,000	₹8,00,000
Interest-free period Only available for SELECT	Up to 50 days	Not specified
Rewards
Points per ₹100 5 pts vs 2 pts	5 pts	2 pts
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for SELECT	₹0.2	Not specified

Notes

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