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Comparison · हिन्दी

Axis Horizon vs HSBC TravelOne

Both cards compared on real rupee returns for best mid-premium travel credit card India Axis vs HSBC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
AXIS
HORIZON
ASHOK KUMAR
VS
HSBC INDIA
TRAVELONE
ASHOK KUMAR
Our verdict
HSBC TravelOne Credit Card wins for most people
HSBC TravelOne dominates with ₹5,081 annual benefit versus Axis Horizon's -₹624 loss. The higher rewards on travel (4% vs 1%) and broader transfer partners make it the clear winner for this spend profile.
Side-by-side comparison
Axis Bank Horizon Credit Card HSBC TravelOne Credit Card ✓
Annual benefit -₹624 ₹5,081
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + taxes (no spend-based fee waiver) ₹4,999 + taxes (waived on ₹8,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 EDGE Miles per ₹100 on travel and direct airline spends (1%); 2 EDGE Miles on all others (0.4%); 1 EDGE Mile = ₹0.20 or transfer to 15+ airline/hotel partners at 1:1 4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partners
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/quarter (32/year, on ₹50,000/quarter spend); 2 international visits/quarter via Priority Pass 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Frequent flyers wanting an airline-agnostic travel card with generous lounge access Frequent international travellers wanting flexible airmiles across 20 airline and hotel partners
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year ₹6L+/year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
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When each card wins
Axis Bank Horizon Credit Card
Axis Horizon works only if you can waive its ₹3,000 fee through exclusive Axis Bank privileges or bundled wealth services not reflected here. Otherwise, the fee burden outweighs modest rewards.
HSBC TravelOne Credit Card
HSBC TravelOne excels for your profile with ₹15,000 monthly travel spend earning 4% rewards, plus 2% on dining and shopping. The ₹4,999 fee is justified by superior earning, especially with airline/hotel flexibility.
Who should get which card
Get Axis Bank Horizon if you…
· Axis Bank bundled wealth customers with fee waivers
· Those prioritizing airline-specific loyalty over flexible transfers
· Lounge access seekers with minimal travel spend
Get HSBC TravelOne if you…
· Frequent travellers with ₹15,000+ monthly travel spend
· International travellers needing 20+ airline/hotel partners
· Dining and shopping enthusiasts earning 2% cashback value
· Those seeking premium benefits that justify ₹4,999 fee
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Related guides
IDFC FIRST Ashva vs Axis Bank Horizon →HSBC TravelOne vs Axis Bank Atlas →HSBC TravelOne vs RBL Bank World Safari →Axis Bank Horizon vs Axis Bank Atlas →Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →
Frequently asked questions
Based on our analysis, HSBC TravelOne Credit Card offers better annual returns for most spend profiles.
Axis Bank Horizon Credit Card has an annual fee of ₹3,000 + taxes (no spend-based fee waiver). HSBC TravelOne Credit Card has an annual fee of ₹4,999 + taxes (waived on ₹8,00,000/year spend).
Axis Bank Horizon Credit Card offers 5 EDGE Miles per ₹100 on travel and direct airline spends (1%); 2 EDGE Miles on all others (0.4%); 1 EDGE Mile = ₹0.20 or transfer to 15+ airline/hotel partners at 1:1. HSBC TravelOne Credit Card offers 4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partners.
Axis Bank Horizon Credit Card lounge access: 8 domestic visits/quarter (32/year, on ₹50,000/quarter spend); 2 international visits/quarter via Priority Pass. HSBC TravelOne Credit Card lounge access: 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year.
Axis Bank Horizon Credit Card charges 3.5% forex markup. HSBC TravelOne Credit Card charges 3.5% forex markup.