5 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank SELECT vs HSBC India TravelOne Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank SELECT and the HSBC India TravelOne. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick SELECT for lounge access.
Head-to-head
Three core metrics- Annual fee SELECT saves ₹1,999/yrSELECT ₹3,000 Waivable at ₹8,00,000 spendTravelOne ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup SELECT 3.5%TravelOne 3.5%
- Domestic lounge SELECT: +2 lounge visits/yrSELECT 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar monthsTravelOne 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 SELECT: ₹3,000 vs HSBC India TravelOne: ₹4,999), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 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 SELECT wins Axis Bank SELECT is better for lounge access
Axis Bank SELECT is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank SELECT conservative base value ~1% 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:
- SELECT: ~₹500/month at base rate
- HSBC TravelOne: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | SELECT Axis Bank | TravelOne HSBC India |
|---|---|---|
| Insurance — Lost card liability cover Only available for HSBC TravelOne | Not specified | ₹3 lakh |
| Insurance — Purchase protection Only available for HSBC TravelOne | Not specified | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 6/year | 8/year (2 per quarter) | 6/year |
| International lounge visits 6 per year vs 4 per year | 6 per year | 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 | ₹8,00,000 | ₹8,00,000 |
| Interest-free period Only available for SELECT | Up to 50 days | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for SELECT | ₹750–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for SELECT | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | Not specified |
| Rewards | ||
| Points per ₹100 5 EDGE Reward Points / ₹100 vs 2 pts / ₹100 | 5 EDGE Reward Points / ₹100 | 2 pts / ₹100 |
| Conservative base value ~1% vs Not safely INR-comparable | ~1% | 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 SELECT | ₹0.2 | Not specified |
Notes
- Axis Bank SELECT Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank SELECT
Verify with issuer , opens external siteHSBC India TravelOne
Verify with issuer , opens external site