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HDFC IRCTC vs HSBC Travel One

Compare HDFC IRCTC vs HSBC Travel One across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HSBC Travel One leads on reward rate, while HDFC IRCTC has the lowest annual fee.

Card 1

HDFC IRCTC

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Card 2

HSBC Travel One

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.8
HDFC IRCTC Credit Card
Balanced value3.4

hdfc / VISA

HDFC IRCTC

Annual

₹500

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • HDFC IRCTC leans travel and lifestyle with ₹500 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HSBC Travel One - HSBC credit card
Balanced value7.8

hsbc / VISA

HSBC Travel One

Annual

₹2,999

Return

4%

Lounges

10

Forex

0%

Card summary
  • HSBC Travel One leans travel and lifestyle with ₹2,999 annual fee, 4% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
HDFC IRCTC
HSBC Travel One
Fees
Annual fee
₹500
₹2,999
Joining fee
₹500
₹2,999
Rewards
Cashback rate
1%
1%
Reward rate
2%
4%
Travel
Forex markup
3.5%
0%
Domestic lounges
2
6
International lounges
0
4
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
No
Eligibility
Minimum income
₹2,00,000
₹12,00,000

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