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Credit CardsComparisons

HSBC TravelOne Credit Card vs Scapia Federal Credit Card

A head-to-head comparison of HSBC TravelOne Credit Card and Scapia Federal 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

Scapia Federal Credit Card

Backpackers & Globetrotters

Annual Fee
Lifetime Free
Reward Rate
Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
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Feature comparison

FeatureHSBC TravelOneScapia Federal
Annual Fee₹4,999 + GST (Waived on ₹8L spend)Lifetime Free
Reward Rate4X on Travel & ForexZero Forex + ~2% effective value (10 Scapia Coins per ₹100)
Best ForFrequent FlyersBackpackers & Globetrotters
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHSBC TravelOneScapia Federal
Domestic travel
International travel
UPI payments
Airport lounge access
Zero forex markup

Quick verdict

Choose HSBC TravelOne Credit Card if:

  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose Scapia Federal Credit Card if:

  • Lower annual fee (₹Nil vs ₹4,999)
  • You spend heavily on upi payments
  • You spend heavily on zero forex markup
  • This is your first credit card

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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Scapia Federal Credit Card

What's good
  • 0% Forex Markup on all international transactions
  • Dual setup: Visa for global travel, RuPay for 5% rewards on UPI/offline spends of ₹500+
  • Book flights and hotels entirely with Scapia coins directly in the app
Watch out for
  • Lounge access requires ₹20,000 combined spend in the previous month (doubled from ₹10,000 in February 2026)
  • Scapia Coins cannot be converted to statement cash
  • No rewards on utility bill payments (electricity, mobile, broadband, gas) and insurance premiums (effective February 2026)
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