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HDFC TimesPrime vs HSBC Travel One

Compare HDFC TimesPrime 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 TimesPrime has the lowest annual fee.

Card 1

HDFC TimesPrime

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3

Card 2

HSBC Travel One

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.8
HDFC TimesPrime - HDFC credit card
Balanced value5.3

hdfc / VISA

HDFC TimesPrime

Annual

₹1,500

Return

3%

Lounges

4

Forex

3.5%

Card summary
  • HDFC TimesPrime leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

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 TimesPrime
HSBC Travel One
Fees
Annual fee
₹1,500
₹2,999
Joining fee
₹1,500
₹2,999
Rewards
Cashback rate
1.5%
1%
Reward rate
3%
4%
Travel
Forex markup
3.5%
0%
Domestic lounges
4
6
International lounges
0
4
Benefits
Fuel waiver
Yes
No
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹12,00,000

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