Shortlist 2–4 cards
Side-by-side comparison of the HSBC India TravelOne Visa and the ICICI Bank Sapphiro Mastercard. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | TravelOne Visa | Sapphiro Mastercard |
|---|---|---|
| Annual fee | ₹4,999 Waivable at ₹8,00,000 spend | ₹3,500 Waivable at ₹6,00,000 spend |
| Forex fee | 0% | 3.5% |
| Domestic lounge | 6/year | 16/year (4 per quarter) |
Fees: Sapphiro Mastercard wins
Confidence: High
Forex: TravelOne Visa wins
Confidence: Medium (verify with issuer)
Lounge: Sapphiro Mastercard wins
Confidence: Medium (verify with issuer)
Confidence varies by card — verify issuer terms
Start with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs ICICI Bank Sapphiro Mastercard: ₹3,500), forex markup (0% vs 3.5%), or lounge access (6/year vs 16/year (4 per quarter)).
Explore: HSBC India TravelOne Visa card page · ICICI Bank Sapphiro Mastercard card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| TravelOne Visa HSBC India | Sapphiro Mastercard ICICI Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 6/year vs 16/year (4 per quarter) | 6/year | 16/year (4 per quarter) |
| International lounge visits 4/year vs 2/year | 4/year | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 3.5% | 0% | 3.5% |
| Fees | ||
| Annual fee ₹4,999 vs ₹3,500 | ₹4,999 | ₹3,500 |
| Joining fee ₹4,999 vs ₹6,500 | ₹4,999 | ₹6,500 |
| Fee waiver spend ₹8,00,000 vs ₹6,00,000 | ₹8,00,000 | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 | 2 pts | 2 pts |
| Point cash value ₹0.35 vs ₹0.25 | ₹0.35 | ₹0.25 |