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Credit CardsComparisons

HSBC TravelOne Credit Card vs Marriott Bonvoy HDFC

A head-to-head comparison of HSBC TravelOne Credit Card and Marriott Bonvoy HDFC 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

Marriott Bonvoy HDFC

Hotel Loyalists

Annual Fee
₹3,000
Reward Rate
Bonvoy Points
Apply Now Read full review →

Feature comparison

FeatureHSBC TravelOneMarriott Bonvoy
Annual Fee₹4,999 + GST (Waived on ₹8L spend)₹3,000 + taxes (No waiver under any condition)
Reward Rate4X on Travel & ForexBonvoy Points
Best ForFrequent FlyersHotel Loyalists
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHSBC TravelOneMarriott Bonvoy
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose HSBC TravelOne Credit Card if:

    Choose Marriott Bonvoy HDFC if:

    • Lower annual fee (₹3,000 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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    Marriott Bonvoy HDFC

    What's good
    • Annual free night award (up to 15,000 points) easily offsets the ₹3,000 fee
    • 12 domestic + 12 international lounge visits per year
    • Automatic Marriott Bonvoy Silver Elite status + 10 Elite Night Credits/year
    Watch out for
    • Bonvoy points strictly locked to the Marriott ecosystem
    • Annual fee not waivable under any condition — no spend-based waiver exists
    Apply Now
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