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

HSBC TravelOne Credit Card has lower forex markup (0% vs 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: 8/year domestic lounge (2 per quarter). HSBC TravelOne Credit Card: 6/year domestic lounge.

Which card has a higher base reward rate?

Axis Bank SELECT Credit Card has higher base reward value (~1% vs ~0.7%).

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.

Quick comparison

Feature	SELECT	TravelOne Visa
Annual fee	₹3,000 Waivable at ₹6,00,000 spend	₹4,999 Waivable at ₹8,00,000 spend
Forex fee	3.5%	0%
Domestic lounge	8/year (2 per quarter)	6/year

Fees: SELECT wins

Confidence: High

Forex: TravelOne Visa wins

Confidence: Medium (verify with issuer)

Lounge: SELECT wins

Confidence: Medium (verify with issuer)

SELECT 5 pts / ₹100 on General spend Strong data

TravelOne Visa 2 pts / ₹100 on General spend Strong data

Pick based on what matters

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 0%), or lounge access (8/year (2 per quarter) vs 6/year).

Insufficient data to compare travel Strong data vs Strong data Only HSBC India TravelOne Visa has comparable evidence here. Forex markup is 0%.
HSBC India TravelOne Visa is better for forex Strong data vs Strong data HSBC India TravelOne Visa is stronger here. Forex markup is 0%.
Axis Bank SELECT is better for lounge access Strong data vs Strong data Axis Bank SELECT is stronger here. Domestic lounge access is 8/year (2 per quarter).
Insufficient data to compare rewards Strong data vs Strong data Only Axis Bank SELECT has comparable evidence here. Estimated base reward value is ~1% on base spend.
Both cards are similar for UPI usage Mastercard network does not support UPI payments. Visa network does not support UPI payments.

Explore: Axis Bank SELECT card page · HSBC India TravelOne Visa card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SELECT: ~₹500/month at base rate
HSBC TravelOne: ~₹350/month at base rate

Illustrative only, using current base rates before caps.

	SELECT Axis Bank	TravelOne Visa HSBC India
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 6/year	8/year (2 per quarter)	6/year
International lounge visits 2/year vs 4/year	2/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 ₹6,00,000 vs ₹8,00,000	₹6,00,000	₹8,00,000
Rewards
Points per ₹100 5 pts vs 2 pts	5 pts	2 pts
Point cash value ₹0.2 vs ₹0.35	₹0.2	₹0.35

Notes

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

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

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes