Share

HSBC TravelOne vs Federal Scapia 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.

HSBC TravelOne Credit Card versus Federal Scapia Credit card compared
FeatureHSBC TravelOne Credit CardHSBC TravelOne Credit CardHSBC India4 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards2% base, up to 4% on foreign spends; 24% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shoppingsame2%2%
Dining and food deliverysame2%2%
Groceriessame2%2%
Travel: flights, hotels, trains2%; 24% only at HSBC Travel with Points · hotels; 16% only at HSBC Travel with Points · flights; 4% only at Flights · travel aggregators2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency4%2%
Everything elsesame2%2%
Card identity
Card typesameTravelTravel
NetworkMastercardVisa
Card tierPremiumMid
Fees
Joining fee₹4,999 + GSTFree
Annual fee₹4,999 + GSTFree
Lifetime freeNoYes
Fee waived at₹8,00,000-
Eligibility
Min age18 years-
Max age65 years-
Employment type-BOTH
Min monthly salary₹50,000-
Min credit score-730
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Lounge access
Domestic lounge visits60
Domestic lounge unlimitedNoYes
International lounge visits40
Lounge condition6 domestic + 4 international airport lounge visits a year20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption method-Vouchers, Air miles
Page content
Eligibility-Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student
Documents needed-PAN 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

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

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

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

Watch-Outs

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
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

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

Questions People Ask

Which has the lower annual fee, HSBC TravelOne Credit Card or Federal Scapia 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: HSBC TravelOne Credit Card 2%, Federal Scapia 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?

HSBC TravelOne Credit Card: 6 domestic lounge visits a year; Federal Scapia Credit card: unlimited domestic lounge visits. 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works