BOBCARD Etihad Guest Premium vs HSBC TravelOne (2026)
BOBCARD Etihad Guest Premium marks foreign spend up 0.0% against HSBC TravelOne's 3.5% — 3.5pp on every rupee you spend abroad, before either card earns a point on it.
Head to head
| BOBCARD Etihad Guest Premium | Metric | HSBC TravelOne |
|---|---|---|
| #7 — wins this row | Our rank | #22 |
| ₹5,000/yr | Fee — joining · annual (+ GST) | ₹4,999/yr — wins this row |
| ₹5,00,000 spend | Fee waiver | ₹8,00,000 spend |
| Nil — 0% markup, Premium-specific (the non-premium Etihad Guest pays 1%) — wins this row | Forex markup | 3.5% + GST |
| 3.75%/mo (45%/yr), from transaction date; same rate on cash advances | APR | 3.75%/mo (45%/yr), computed from transaction date |
| 2.0% | Headline earn rate | 2.0% |
| Etihad Guest | Currency | HSBC Reward Points |
| ₹1.00/pt | House value | ₹1.00/pt |
| 15,000 Guest miles — 10,000 on ₹25k in 60 days + fee payment, 5,000 more at ₹50k (doubled window till 31 Aug 2026; standard offer is 7,500) | Welcome benefit | ₹1,000 cashback + ₹3,000 Postcard voucher + 3-mo EazyDiner Prime on ₹25k in 30 days |
| 72 of 789 | Lounge doors opened | 72 of 789 |
| not published | Income — salaried | ₹6L+/yr; age 18–65 |
| not published | Income — self-employed | ₹12L+/yr; age 25–65 |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
BOBCARD Etihad Guest Premium out-earns HSBC TravelOne at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
BOBCARD Etihad Guest Premium leads at all 20 steps, but not by the same amount: ₹119 at ₹0.25L a month, ₹38,400 at ₹5L — the gap fans out with spend, widest at ₹5L (₹38,400).
BOBCARD Etihad Guest Premium draws above the line, HSBC TravelOne below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | BOBCARD Etihad Guest Premium | HSBC TravelOne | In front |
|---|---|---|---|
| ₹0.25L | ₹1,720 | ₹1,601 | BOBCARD Etihad Guest Premium by ₹119 |
| ₹0.5L | ₹19,440 | ₹8,201 | BOBCARD Etihad Guest Premium by ₹11,239 |
| ₹0.75L | ₹26,160 | ₹19,800 | BOBCARD Etihad Guest Premium by ₹6,360 |
| ₹1L | ₹72,880 | ₹36,400 | BOBCARD Etihad Guest Premium by ₹36,480 |
| ₹1.25L | ₹79,600 | ₹43,000 | BOBCARD Etihad Guest Premium by ₹36,600 |
| ₹1.5L | ₹86,320 | ₹49,600 | BOBCARD Etihad Guest Premium by ₹36,720 |
| ₹1.75L | ₹93,040 | ₹56,200 | BOBCARD Etihad Guest Premium by ₹36,840 |
| ₹2L | ₹99,760 | ₹62,800 | BOBCARD Etihad Guest Premium by ₹36,960 |
| ₹2.25L | ₹1,06,480 | ₹69,400 | BOBCARD Etihad Guest Premium by ₹37,080 |
| ₹2.5L | ₹1,13,200 | ₹76,000 | BOBCARD Etihad Guest Premium by ₹37,200 |
| ₹2.75L | ₹1,19,920 | ₹82,600 | BOBCARD Etihad Guest Premium by ₹37,320 |
| ₹3L | ₹1,26,640 | ₹89,200 | BOBCARD Etihad Guest Premium by ₹37,440 |
| ₹3.25L | ₹1,33,360 | ₹95,800 | BOBCARD Etihad Guest Premium by ₹37,560 |
| ₹3.5L | ₹1,40,080 | ₹1,02,400 | BOBCARD Etihad Guest Premium by ₹37,680 |
| ₹3.75L | ₹1,46,800 | ₹1,09,000 | BOBCARD Etihad Guest Premium by ₹37,800 |
| ₹4L | ₹1,53,520 | ₹1,15,600 | BOBCARD Etihad Guest Premium by ₹37,920 |
| ₹4.25L | ₹1,60,240 | ₹1,22,200 | BOBCARD Etihad Guest Premium by ₹38,040 |
| ₹4.5L | ₹1,66,960 | ₹1,28,800 | BOBCARD Etihad Guest Premium by ₹38,160 |
| ₹4.75L | ₹1,73,680 | ₹1,35,400 | BOBCARD Etihad Guest Premium by ₹38,280 |
| ₹5L | ₹1,80,400 | ₹1,42,000 | BOBCARD Etihad Guest Premium by ₹38,400 |
Transfer reach
Only HSBC TravelOne
- Singapore Airlines KrisFlyer
- Qatar Airways Privilege Club (Avios)
- The British Airways Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
BOBCARD Etihad Guest Premium · 1 more →
- Single-program currency: miles auto-transfer to Etihad Guest and redeem nowhere else
- Long exclusion list: telecom, education, hospitals, government, rent, wallets, insurance — and all rail/bus/toll transport — earn zero
- 1% processing fee on rent and wallet loads; utility fee ≥₹50k; fuel fee ≥₹10k (MITC)
HSBC TravelOne · 4 more →
- Fee waived only at ₹8L annual spend; forex back to 3.5% since Jul-2026 (promo over)
- Base earn is a modest 2X outside travel/forex
- HSBC's eligibility and branch footprint are narrow
The call
For the ₹1L/month spender, BOBCARD Etihad Guest Premium nets ₹72,880 against ₹36,400 — a ₹36,480 gap. At ₹5L/month, BOBCARD Etihad Guest Premium nets ₹1,80,400 against ₹1,42,000 — a ₹38,400 gap. Lounge chasers get no tiebreak here: both open 72 of 789 tracked doors.
Our standing verdicts: BOBCARD Etihad Guest Premium — Keep; HSBC TravelOne — Keep. On our board, BOBCARD Etihad Guest Premium sits at #7 to HSBC TravelOne's #22 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, BOBCARD Etihad Guest Premium or HSBC TravelOne?
BOBCARD Etihad Guest Premium. It sits at #7 on our board to HSBC TravelOne's #22. BOBCARD Etihad Guest Premium takes 5 of the 6 rounds we can score. BOBCARD Etihad Guest Premium out-earns HSBC TravelOne at every spend level we model, from ₹25k to ₹5L a month.
BOBCARD Etihad Guest Premium or HSBC TravelOne — which earns more at ₹3L a month?
At ₹3L a month, BOBCARD Etihad Guest Premium nets ₹1,26,640 against ₹89,200 — a ₹37,440 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, BOBCARD Etihad Guest Premium or HSBC TravelOne?
HSBC TravelOne — ₹4,999/yr against ₹5,000/yr. BOBCARD Etihad Guest Premium waives its fee at ₹5,00,000 of spend; HSBC TravelOne at ₹8,00,000 of spend.
Which gets you into more airport lounges, BOBCARD Etihad Guest Premium or HSBC TravelOne?
Lounge chasers get no tiebreak here: both open 72 of 789 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: BOBCARD Etihad Guest Premium on 2026-07-26, HSBC TravelOne on 2026-08-15. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.