Which card has a lower forex fee: HSBC TravelOne Credit Card or HPCL IDFC First Power+ Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HSBC TravelOne Credit Card or HPCL IDFC First Power+ Credit Card?

HPCL IDFC First Power+ Credit Card has a lower annual fee (₹1,999 vs ₹4,999).

Which card offers better lounge access?

HSBC TravelOne Credit Card: 6/year domestic lounge. HPCL IDFC First Power+ Credit Card: No 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 Add another card →

HSBC India TravelOne Visa vs IDFC FIRST Bank HPCL IDFC First Power+ Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HSBC India TravelOne Visa and the IDFC FIRST Bank HPCL IDFC First Power+. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge HSBC India TravelOne Visa

Quick comparison

Three core metrics

TravelOne Visa HSBC India

Annual fee ₹4,999 Waivable at ₹8,00,000 spend
Forex markup 3.5%
Domestic lounge 6/year

HPCL IDFC First Power+ IDFC FIRST Bank

Annual fee ₹1,999
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

TravelOne Visa

2 pts / ₹100 on General spend

HPCL IDFC First Power+

1% on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs IDFC FIRST Bank HPCL IDFC First Power+: ₹1,999), forex markup (3.5% vs 3.5%), or lounge access (6/year vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

TravelOne Visa: Limited data HPCL IDFC First Power+: Limited data
Lounge access HSBC India TravelOne Visa wins

HSBC India TravelOne Visa is better for lounge access

HSBC India TravelOne Visa is stronger here. Domestic lounge access is 6/year.

TravelOne Visa: Limited data HPCL IDFC First Power+: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HPCL IDFC First Power+: ~₹130/month at base rate
HSBC TravelOne: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	TravelOne Visa HSBC India	HPCL IDFC First Power+ IDFC FIRST Bank
Lounge Access
Domestic lounge visits 6/year vs No lounge access	6/year	No lounge access
International lounge visits Only available for HSBC TravelOne	4/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹4,999 vs ₹1,999	₹4,999	₹1,999
Joining fee ₹4,999 vs ₹1,999	₹4,999	₹1,999
Fee waiver spend Only available for HSBC TravelOne	₹8,00,000	Not specified
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point cash value Only available for HPCL IDFC First Power+	Not specified	₹0.25

Notes

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