1. Fee Structure
- HSBC TravelOne: ₹4,999 + GST
- Axis Atlas Credit Card: ₹5,000 + GST
2. Value for Joining Fees
- HSBC TravelOne:
- ₹1,000 cashback
- ₹3,000 PostCard voucher
- 3-month EazyDiner Prime Membership (spend ₹10,000 in 30 days)
- 3,000 Reward Points (spend ₹1 lakh in 90 days)
- Axis Atlas Credit Card:
- 2,500 EDGE Miles (after a single transaction)
- EDGE Miles redeemable across various hotels/airlines
3. Reward Structure
- HSBC TravelOne:
- 4 Reward Points/₹100 on flights, travel platforms, international spends (~4% reward rate)
- 2 Reward Points/₹100 on other spends (~2% reward rate)
- Axis Atlas Credit Card:
- 5 EDGE Miles/₹100 on travel spends (~10% reward rate)
- 2 EDGE Miles/₹100 on other spends (~4% reward rate)
4. Reward Point Redemption
- HSBC TravelOne: 1 Reward Point = 1 Partner Point (for most partners)
- Axis Atlas Credit Card: 1 EDGE Mile = 2 Partner Points (for most partners)
5. Free Airport Lounge Access
- HSBC TravelOne: 6 Domestic & 4 International Lounge Visits per year
- Axis Atlas Credit Card:
- Silver: 8 Domestic, 4 International
- Gold: 12 Domestic, 6 International
- Platinum: 18 Domestic, 12 International
6. Forex Markup Charges
- HSBC TravelOne: 3.5% Forex markup
- Axis Atlas Credit Card: 2% Forex markup
7. Additional Benefits
- HSBC TravelOne: Golf rounds, purchase protection, and EazyDiner discounts.
- Axis Atlas Credit Card: Dining discounts (EazyDiner).
Which Card to Choose?
- Choose HSBC TravelOne if:
- You value wide transfer partner options & lifestyle perks like golf.
- You prefer no cap on reward point transfers.
Apply Now : HSBC TravelOne Credit Card
- Choose Axis Atlas if:
- You’re a high-spending traveler looking for accelerated rewards & lounge access.
- You want lower forex charges & tier-based benefits.
Apply Now : Axis Atlas Credit Card