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Credit CardsComparisons

Amex Platinum Reserve Credit Card vs HSBC TravelOne Credit Card

A head-to-head comparison of Amex Platinum Reserve Credit Card and HSBC TravelOne Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

Amex Platinum Reserve Credit Card

Domestic Premium Travel

Annual Fee
₹10,000
Reward Rate
1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges
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TravelCard B
Annual Fee
₹4,999
Reward Rate
4X on Travel & Forex
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Feature comparison

FeatureAmex PlatinumHSBC TravelOne
Annual Fee₹10,000 + GST (First-year & subsequent)₹4,999 + GST (Waived on ₹8L spend)
Reward Rate1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges4X on Travel & Forex
Best ForDomestic Premium TravelFrequent Flyers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumHSBC TravelOne
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Reserve Credit Card if:

    Choose HSBC TravelOne Credit Card if:

    • Lower annual fee (₹4,999 vs ₹10,000)
    • You spend heavily on international travel

    Full pros & cons

    Amex Platinum Reserve Credit Card

    What's good
    • Privileged rates and benefits at Taj, SeleQtions, and Vivanta Hotels
    • Complimentary domestic airport lounge access across India
    • Preferred Hotels & Resorts global access
    • Membership Rewards points earning with airline partner transfer options
    Watch out for
    • ₹10,000 + GST annual fee with no spend-based waiver
    • Amex acceptance still limited at smaller offline merchants in India
    • Domestic-focused — fewer international travel benefits than Platinum Charge
    Apply Now

    HSBC TravelOne Credit Card

    What's good
    • 1:1 transfers to 15 airline partners (Air India, Singapore Airlines, BA Avios, Qatar, Etihad, Japan Airlines, and more) via the HSBC app
    • 4 RP per ₹100 on flights, travel portals, and forex (2X on all other spends)
    • 4 complimentary chauffeur-driven airport transfers per year + 6 domestic and 4 international lounge visits
    Watch out for
    • High forex markup of 3.5% + GST (~4.13%) despite being a travel card
    • Accelerated travel rewards capped at 50,000 points per month
    • Extensive exclusion list — no points on insurance, rent, government, EMI, or wallet loads
    Apply Now
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