2 pts / ₹100 · 4 points/₹100 on eligible airlines, travel aggregators and foreign-currency transactions
Strong data Pairwise comparison
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HSBC India TravelOne vs IDFC FIRST Bank IndiGo Credit Cards – Fees, Lounge, Forex
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.
The short answer
VerdictHead-to-head
Three core metrics- Annual fee TravelOne ₹4,999 Waivable at ₹8,00,000 spendIndiGo ₹4,999
- Forex markup IndiGo saves ~₹2,010 per ₹1L abroadTravelOne 3.5%IndiGo 1.49%
- Domestic lounge TravelOne: +6 lounge visits/yrTravelOne 6/yearIndiGo No complimentary lounge access
Reward earning explained
Per card3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (HSBC India TravelOne: ₹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).
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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%.
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Lounge access HSBC India TravelOne wins HSBC India TravelOne is better for lounge access
HSBC India TravelOne is stronger here. Domestic lounge access is 6 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: HSBC India TravelOne is not safely INR-comparable (no usable point value). IDFC FIRST Bank IndiGo is not safely INR-comparable (no usable point value).
All fields
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.
| Field | TravelOne HSBC India | IndiGo IDFC FIRST Bank |
|---|---|---|
| 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 |
| 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 Source agreement differs — verify both. 3.5% vs 1.49% | 3.5% | 1.49% |
| 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 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HSBC India TravelOne
Verify with issuer , opens external siteIDFC FIRST Bank IndiGo
Verify with issuer , opens external site