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Credit CardsComparisons

AU Bank iXIGO Credit Card vs HSBC TravelOne Credit Card

A head-to-head comparison of AU Bank iXIGO 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

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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TravelCard B
Annual Fee
₹4,999
Reward Rate
4X on Travel & Forex
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Feature comparison

FeatureAU BankHSBC TravelOne
Annual FeeLifetime Free (official fee ₹999 + GST waived via ixigo app channel)₹4,999 + GST (Waived on ₹8L spend)
Reward Rate5 RP per ₹200 (~0.6-1.25% depending on redemption route)4X on Travel & Forex
Best Forixigo Loyalists & Zero-Forex TravelFrequent Flyers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankHSBC TravelOne
Domestic travel
International travel
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank iXIGO Credit Card if:

  • Lower annual fee (₹Nil vs ₹4,999)
  • You spend heavily on zero forex markup

Choose HSBC TravelOne Credit Card if:

    Full pros & cons

    AU Bank iXIGO Credit Card

    What's good
    • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
    • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
    • 8 complimentary railway lounge visits/year (no spend trigger)
    • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
    • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
    Watch out for
    • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
    • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
    • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
    • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
    • 10,000 RP monthly cap limits high-volume earners
    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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