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Federal Scapia vs HSBC TravelOne Credit card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Federal Scapia Credit card versus HSBC TravelOne Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
HSBC TravelOne Credit CardHSBC TravelOne Credit CardHSBC India4 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants2% base, up to 4% on foreign spends; 24% only at partner merchants
UPI payments (scan and pay)2%Earns nothing
Online shoppingsame2%2%
Dining and food deliverysame2%2%
Groceriessame2%2%
Travel: flights, hotels, trains2%; 4% only at Scapia app2%; 24% only at HSBC Travel with Points · hotels; 16% only at HSBC Travel with Points · flights; 4% only at Flights · travel aggregators
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees2%Earns nothing
Wallet top-ups2%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%4%
Everything elsesame2%2%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining feeFree₹4,999 + GST
Annual feeFree₹4,999 + GST
Lifetime freeYesNo
Fee waived at-₹8,00,000
Eligibility
Min age-18 years
Max age-65 years
Employment typeBOTH-
Min monthly salary-₹50,000
Min credit score730-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Lounge access
Domestic lounge visits06
Domestic lounge unlimitedYesNo
International lounge visits04
Lounge condition20,000+ Per Month6 domestic + 4 international airport lounge visits a year
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption methodVouchers, Air miles-
Page content
EligibilityAge: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student-
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph-
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
HSBC TravelOne Credit Card
Rewards a year
₹6,000
Fee a year
- ₹5,899
You keep
₹101

At this spend, Federal Scapia Credit card comes out ₹4,699 a year ahead of HSBC TravelOne Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee
HSBC TravelOne Credit Card
  • Frequent flyers
  • People who book hotels online
  • High spenders who can clear Rs 8 lakh

Watch-Outs

Federal Scapia Credit card
  • Coins redeem only for travel in the Scapia app
  • No coins on fuel, insurance, utilities or rent
  • Lounge access needs Rs 20,000 spend each month
HSBC TravelOne Credit Card
  • 3.5% forex fee eats into the 4X on foreign spends
  • No points on utilities, fuel, insurance, rent or wallets
  • Portal bonus capped at 18,000 points a month
  • ₹8 lakh waiver is a high bar

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, HSBC TravelOne Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Federal Scapia Credit card or HSBC TravelOne Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; HSBC TravelOne Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; HSBC TravelOne Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Federal Scapia Credit card 2%, HSBC TravelOne Credit Card 2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Federal Scapia Credit card: unlimited domestic lounge visits; HSBC TravelOne Credit Card: 6 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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