Which card has a lower forex fee: HSBC TravelOne Credit Card or IDFC FIRST IndiGo Credit Card?

IDFC FIRST IndiGo Credit Card has lower forex markup (1.49% vs 3.5%).

Which card has a lower annual fee: HSBC TravelOne Credit Card or IDFC FIRST IndiGo Credit Card?

Both cards have the same annual fee (₹4,999).

Which card offers better lounge access?

HSBC TravelOne Credit Card: 6 per year domestic lounge. IDFC FIRST IndiGo Credit Card: No complimentary lounge access.

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 →

HSBC India TravelOne Visa vs IDFC FIRST Bank IndiGo Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank IndiGo 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

IndiGo IDFC FIRST Bank

Annual fee ₹4,999
Forex markup 1.49%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

TravelOne Visa

4 pts / ₹100 on Travel Airlines Foreign (international) + 2 pts / ₹100 on Gener…

IndiGo

6 pts / ₹100 on Indigo (6 BC/₹100 on IndiGo channels. Marketing 'up to 22' incl…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (HSBC India TravelOne Visa: ₹4,999 vs IDFC FIRST Bank IndiGo: ₹4,999), forex markup (3.5% vs 1.49%), or lounge access (6/year vs No complimentary lounge access).

Forex markup IDFC FIRST Bank IndiGo wins

IDFC FIRST Bank IndiGo is better for forex

IDFC FIRST Bank IndiGo is stronger here. Forex markup is 1.49%.
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 per year.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

HSBC TravelOne: Base earn not clearly specified
IDFC FIRST IndiGo: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	TravelOne Visa HSBC India	IndiGo IDFC FIRST Bank
Lounge Access
Domestic lounge visits 6/year vs No complimentary lounge access	6/year	No complimentary lounge access
International lounge visits Only available for HSBC TravelOne	4/year	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 1.49%	3.5%	1.49%
Fees
Annual fee	₹4,999	₹4,999
Joining fee	₹4,999	₹4,999
Fee waiver spend Only available for HSBC TravelOne	₹8,00,000	Not specified
Interest-free period Only available for IDFC FIRST IndiGo	Not specified	Up to 45 days
Rewards
Points per ₹100 2 pts vs 3 pts	2 pts	3 pts
Point validity Only available for IDFC FIRST IndiGo	Not specified	2 years

Notes

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