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Comparison · हिन्दी

HSBC TravelOne vs RBL World Safari

Both cards compared on real rupee returns for best international travel credit card India. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HSBC INDIA
TRAVELONE
ASHOK KUMAR
VS
RBL
WORLD SAFARI
ASHOK KUMAR
Our verdict
HSBC TravelOne Credit Card wins for most people
Card A wins with ₹4,601 annual benefit versus Card B's -₹150 loss. Despite higher fees, Card A's superior points earning on your ₹15,000 monthly travel spend delivers exceptional value for frequent travelers.
Side-by-side comparison
HSBC TravelOne Credit Card ✓ RBL Bank World Safari Credit Card
Annual benefit ₹4,601 -₹150
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹4,999 + taxes (waived on ₹8,00,000/year spend) ₹3,000 + taxes
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 5 travel points per ₹100 on travel spends (1.25%); 2 points per ₹100 on all others (0.5%); 0% forex markup
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year 8 domestic visits/year (2/quarter on ₹35,000/quarter spend); international access via Mastercard
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% 0%
Best for Frequent international travellers wanting flexible airmiles across 20 airline and hotel partners Frequent international travellers wanting zero forex fees and travel rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year ₹40,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HSBC TravelOne Credit Card
Choose Card A if you travel frequently and value flexible airline/hotel transfers. The 4% rewards on ₹15,000 monthly travel spend heavily outweigh the ₹4,999 annual fee, especially with waiver potential at higher spends.
RBL Bank World Safari Credit Card
Card B suits minimal international travelers prioritizing forex savings. Its 0% markup benefits only if you transact heavily overseas in foreign currency, which doesn't apply to your current spend profile.
Who should get which card
Get HSBC TravelOne if you…
· High travel spend (₹15,000/month) maximizes 4% category rewards
· 1:1 airline/hotel transfers offer flexibility across 20+ partners
· Fee waivable at ₹8L annual spend—achievable with consistent travel booking
Get RBL Bank World Safari if you…
· Zero forex markup for frequent international currency transactions
· ₹1,000 lower annual fee if travel rewards don't justify costs
· Simple 2-tier rewards for domestic-focused spenders
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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Frequently asked questions
Based on our analysis, HSBC TravelOne Credit Card offers better annual returns for most spend profiles.
HSBC TravelOne Credit Card has an annual fee of ₹4,999 + taxes (waived on ₹8,00,000/year spend). RBL Bank World Safari Credit Card has an annual fee of ₹3,000 + taxes.
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. RBL Bank World Safari Credit Card offers 5 travel points per ₹100 on travel spends (1.25%); 2 points per ₹100 on all others (0.5%); 0% forex markup.
HSBC TravelOne Credit Card lounge access: 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year. RBL Bank World Safari Credit Card lounge access: 8 domestic visits/year (2/quarter on ₹35,000/quarter spend); international access via Mastercard.
HSBC TravelOne Credit Card charges 3.5% forex markup. RBL Bank World Safari Credit Card charges 0% forex markup.