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Credit CardsComparisons

HSBC TravelOne Credit Card vs ICICI Sapphiro Credit Card

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

TravelCard A
Annual Fee
₹4,999
Reward Rate
4X on Travel & Forex
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TravelCard B

ICICI Sapphiro Credit Card

Mid-Premium Travellers

Annual Fee
₹3,500
Reward Rate
2 RP per ₹100 domestic (0.5% value)
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Feature comparison

FeatureHSBC TravelOneICICI Sapphiro
Annual Fee₹4,999 + GST (Waived on ₹8L spend)₹3,500 + GST; Joining ₹6,500 + GST (Waived on ₹6L annual spend)
Reward Rate4X on Travel & Forex2 RP per ₹100 domestic (0.5% value)
Best ForFrequent FlyersMid-Premium Travellers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHSBC TravelOneICICI Sapphiro
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose HSBC TravelOne Credit Card if:

  • You spend heavily on international travel

Choose ICICI Sapphiro Credit Card if:

  • Lower annual fee (₹3,500 vs ₹4,999)

Full pros & cons

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
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ICICI Sapphiro Credit Card

What's good
  • 4 domestic lounge visits per quarter + 2 international visits per year via DreamFolks
  • 4X reward points on international spends (4 RP per ₹100, worth 1% back)
  • Welcome vouchers worth ₹9,500+ (Tata CLiQ, Croma, EaseMyTrip, Uber) and up to 20,000 milestone RPs annually
Watch out for
  • Domestic lounge access requires ₹75,000 spend in the previous calendar quarter to unlock
  • Low domestic reward rate — 2 RP per ₹100 at ₹0.25/point is just 0.5% back
  • Annual RP cap of 20,000 points (worth ₹5,000) limits heavy spenders
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