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Comparison · हिन्दी

Scapia Federal vs HSBC TravelOne

Both cards compared on real rupee returns for Scapia Federal vs HSBC TravelOne credit card which is better travel credit card zero forex lounge airline transfer India. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
FEDERAL
SCAPIA FEDERAL
ASHOK KUMAR
VS
HSBC INDIA
TRAVELONE
ASHOK KUMAR
Our verdict
Scapia Federal Bank Credit Card wins for most people
Scapia Federal wins with ₹9,360 annual benefit versus HSBC TravelOne's ₹7,961. The lifetime-free fee structure and consistent 2% rewards across all eligible categories deliver better value despite HSBC's higher 4% travel rewards.
Side-by-side comparison
Scapia Federal Bank Credit Card ✓ HSBC TravelOne Credit Card
Annual benefit ₹9,360 ₹7,961
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹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 → 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026) 4 points per ₹100 on flights, travel aggregators and foreign currency spends (4%, up to 50,000 points a month); 2 points per ₹100 on everything else (2%); 1 point = ₹1 when booking on HSBC's Travel with Points portal; instant 1:1 transfer to airline and hotel partners; no points on fuel, utilities, insurance, rent, wallets, jewellery, education or government payments
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app 6 domestic and 4 international lounge visits a year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 3.5%
Best for Travel rewards with zero forex and lounge access Frequent travellers who want a flat 2% earn rate and flexible airline and hotel transfers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year ₹6L+ a year salaried, ₹12L+ self-employed
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
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When each card wins
Scapia Federal Bank Credit Card
Scapia Federal suits those seeking straightforward rewards without annual fees. Its lifetime-free status and 2% across shopping, dining, groceries and travel maximizes value for moderate spenders avoiding fee commitments.
HSBC TravelOne Credit Card
HSBC TravelOne appeals to frequent flight bookers earning the 4% travel rate. Choose it only if your annual travel spend significantly exceeds ₹15,000, making the ₹4,999 fee worthwhile through accumulated points.
Who should get which card
Get Scapia Federal Bank if you…
· Lifetime free annual fee with no spending waiver needed
· Consistent 2% rewards on shopping, dining, groceries and travel
· Zero forex charges for international transactions
· Better overall value for moderate spenders at ₹42,000/month
Get HSBC TravelOne if you…
· 4% rewards on flights and travel aggregators
· Flexible 1:1 transfer to airline and hotel loyalty partners
· 2% baseline rewards on non-travel categories
· Higher value only if travel spend exceeds ₹15,000 monthly
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
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IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Scapia Federal Bank Credit Card offers better annual returns for most spend profiles.
Scapia Federal Bank Credit Card has an annual fee of Lifetime free. HSBC TravelOne Credit Card has an annual fee of ₹4,999 + taxes (waived on ₹8,00,000/year spend).
Scapia Federal Bank Credit Card offers 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026). HSBC TravelOne Credit Card offers 4 points per ₹100 on flights, travel aggregators and foreign currency spends (4%, up to 50,000 points a month); 2 points per ₹100 on everything else (2%); 1 point = ₹1 when booking on HSBC's Travel with Points portal; instant 1:1 transfer to airline and hotel partners; no points on fuel, utilities, insurance, rent, wallets, jewellery, education or government payments.
Scapia Federal Bank Credit Card lounge access: Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges with every ₹40,000 international flight booking via the Scapia app. HSBC TravelOne Credit Card lounge access: 6 domestic and 4 international lounge visits a year.
Scapia Federal Bank Credit Card charges 0% forex markup. HSBC TravelOne Credit Card charges 3.5% forex markup.