Scapia Federal Bank vs HSBC TravelOne
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Scapia Federal Bank vs HSBC TravelOne (Sept 2026): for the standard ₹32k/month profile Scapia Federal Bank wins on score (47/100, ₹5,573 recurring net savings a year) vs HSBC TravelOne 37/100 (−₹2,330). Cheapest to hold: Scapia Federal Bank (lifetime free). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Scapia Federal Bank scores highest (47/100) with ₹5,573 recurring net savings a year.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 47/100 BEST | 37/100 |
| Recurring net savings | ₹5,573/yr BEST | −₹2,330/yr |
| Effective savings rate | 1.7% BEST | -0.7% |
| Annual fee incl. GST | Free for life BEST | You pay ₹5,899 |
| Usable lounge visits | ✈∞ dom you can use 2 | ✈6 dom🌏4 intl you can use 2 |
| Why it fits | ✓ Base rate 2% on other spends earns you about ₹4,133 a year on… | ✓ Base rate 1% on other spends earns you about ₹1,644 a year on… |
| Main drawback | ! Points are worth only ₹0.2 each – 5 coins = ₹1 on travel booked via… | ! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹8,00,000… |
| How the net figure adds up | ||
| + Reward value on your spend | ₹5,573 at ₹0.2/Scapia Coins BEST | ₹3,209 at ₹0.5/HSBC Reward Points |
| + Milestone bonuses you reach | none | none |
| + Fuel surcharge waiver | none | ₹360 BEST |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 lifetime free BEST | −₹5,899 |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹5,573/yr BEST | −₹2,330/yr |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 1.7% BEST | -0.7% |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹864 1.2% BEST | ₹432 0.6% |
| Dining & food delivery (₹48,000/yr) | ₹845 1.8% | ₹845 1.8% |
| Online shopping (₹72,000/yr) | ₹1,440 2.0% BEST | ₹720 1.0% |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹216 1.2% BEST | ₹108 0.6% |
| Bills & utilities (₹30,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹960 4.0% BEST | ₹480 2.0% |
| Hotels (₹12,000/yr) | ₹480 4.0% BEST | ₹240 2.0% |
| Movies & OTT (₹9,600/yr) | ₹192 2.0% BEST | ₹96 1.0% |
| Insurance premiums (₹18,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹576 1.2% BEST | ₹288 0.6% |
| Base earn rate | 2% BEST | 1% |
| Accelerated categories | 1 rule
| 1 rule
|
| Excluded categories | fuel, rent, utilities, insurance, education | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones | None | None |
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹0 + GST | ₹4,999 + GST |
| Fee waiver | Lifetime free | On ₹8,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | None | ₹3,000 voucher + 6 airport lounge visits ≈ ₹3,000 |
| First-year value (separate) | ₹5,573 BEST | ₹670 |
| Travel | ||
| Domestic lounge entitlement | Unlimited | 6 per year |
| International lounge entitlement | None | 4 per year |
| Lounge condition | ₹10,000 per month – you qualify | None |
| Forex markup | 0% BEST | 1% |
| Redemption & simplicity | ||
| Reward currency | Scapia Coins · ₹0.2/unit | HSBC Reward Points · ₹0.5/unit |
| How to redeem | Details5 coins = ₹1 on travel booked via Scapia app only. | Details1 point = 1 mile on transfer to partners (~₹0.50–1.00); ₹0.25 catalogue. |
| Redemption flexibility | ★★☆☆☆ | ★★★★☆ BEST |
| Simplicity | ★★★★☆ BEST | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | zero forex, insurance cover | zero forex, concierge, insurance cover, fuel waiver |
| Eligibility | Income ₹3L+/yr; digital onboarding | Income ₹10L+/yr |
| Score breakdown | ||
| Net savings rate | 35/100 × 55% = 19.0 | 0/100 × 55% = 0.0 |
| Usable lounge access | 100/100 × 15% = 15.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 40/100 × 10% = 4.0 | 80/100 × 10% = 8.0 |
| Lifestyle fit | 0/100 × 10% = 0.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 60/100 × 5% = 3.0 |
| Fee safety | 100/100 × 5% = 5.0 | 24/100 × 5% = 1.2 |
| Sources | ||
| Official source | Scapia – Federal Bank Scapia Credit Card | HSBC India – TravelOne |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Scapia Federal Bank or HSBC TravelOne?
For the example profile, Scapia Federal Bank scores highest (47/100, ₹5,573 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Scapia Federal Bank: lifetime free; HSBC TravelOne: ₹5,899 incl. GST.