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HSBC TravelOne vs IDFC FIRST IndiGo

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

TravelOne
IndiGo

The short answer

Pick IndiGo for spending abroad.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    TravelOne ₹4,999 Waivable at ₹8,00,000 spend
    IndiGo ₹4,999
  • Forex markup Forex markup outcome: IndiGo wins.
    TravelOne 3.5%
    IndiGo 0%
    IndiGo saves ~₹3,500 per ₹1L abroad
  • Domestic lounge Domestic lounge outcome: insufficient data to compare.
    TravelOne 6/year
    IndiGo No complimentary lounge access
  • Rewards Rewards outcome: insufficient data to compare.
    TravelOne Not safely INR-comparable
    IndiGo Not safely INR-comparable
    conservative base value
    TravelOne: Strong data IndiGo: Strong data

Reward earning explained

TravelOne

2 pts / ₹100 · 4 points/₹100 on eligible airlines, travel aggregators and foreign-currency transactions

Strong data
IndiGo

3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo

Strong data

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.

All fields

Field TravelOne 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
4 per year vs Not included
 4 per year No international lounge access
Forex / International Use
Forex markup
3.5% vs 0%
 3.5% 0%
Fees
Recurring annual fee ₹4,999 ₹4,999
Annual-fee waiver
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
Monthly interest rate
Only available for HSBC TravelOne
 3.75% / month Not specified
Fuel benefit
Only available for IDFC FIRST IndiGo
 Not specified No surcharge waiver
Rewards
Points per ₹100
2 pts / ₹100 vs 3 pts / ₹100
 2 pts / ₹100 3 pts / ₹100
Earn ceiling
Calendar-month cap: 50,000 points shared across Airlines and travel aggregators & Foreign-currency transactions vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
 Calendar-month cap: 50,000 points shared across Airlines and travel aggregators & Foreign-currency transactions Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Point validity
Only available for IDFC FIRST IndiGo
 Not specified 2 years
Insurance — Lost card liability cover
Only available for HSBC TravelOne
 ₹3 lakh Not specified
Insurance — Purchase protection
Only available for HSBC TravelOne
 Not specified Not specified

Notes

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

Related comparisons

Next useful checks

HSBC India TravelOne

Verify with issuer , opens external site

IDFC FIRST Bank IndiGo

Verify with issuer , opens external site
Data refreshed through 2 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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