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Scapia (Federal Bank) vs HSBC TravelOne

Verified 14 sources

Your monthly spend

HSBC TravelOne beats Scapia (Federal Bank) by ₹1,100 a year at ₹30,000 a month: ₹7,100 against ₹6,000, after fees

HSBC TravelOne beats Scapia (Federal Bank) by ₹10,100 a year at ₹75,000 a month: ₹25,200 against ₹15,100, after fees

HSBC TravelOne beats Scapia (Federal Bank) by ₹50,300 a year at ₹1.5 lakh a month: ₹80,500 against ₹30,200, after fees

HSBC TravelOne beats Scapia (Federal Bank) by ₹80,500 a year at ₹3 lakh a month: ₹1,41,000 against ₹60,500, after fees

HSBC TravelOne beats Scapia (Federal Bank) by ₹1,20,800 a year at ₹5 lakh a month: ₹2,21,600 against ₹1,00,800, after fees

Scapia (Federal Bank) credit card

Federal Bank

Scapia (Federal Bank)

Our verdict: Keep

HSBC TravelOne credit card

HSBC

HSBC TravelOne

Our verdict: Keep

HSBC TravelOne vs Scapia (Federal Bank): which should you pick?

Lifetime free against ₹4,999, and the question is what a travel card's points are for. Scapia pays 10 coins per ₹100, 2% at five coins to the rupee, spendable only on travel booked in its own app; TravelOne pays 2 points per ₹100 and 4 on flights, travel portals and forex, in points that move 1:1 to twenty programmes including KrisFlyer and Avios. TravelOne is ahead at every spend level the page tests, from ₹25k a month. TravelOne's fee waives at ₹8,00,000 of spend. Abroad Scapia earns no coins but charges 0% forex, where TravelOne charges 3.5% once HSBC's zero-markup window closes on 31 October 2026. Scapia opens unlimited domestic lounges on ₹20,000 of the previous month's spend and none abroad; TravelOne six domestic visits a year and four international.

At every spend from ₹25,000 to ₹5 lakh a month, HSBC TravelOne beats Scapia (Federal Bank), and its lead widens from ₹100 to ₹1,20,800 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: HSBC TravelOne returns ₹30,200 a year in rewards to Scapia (Federal Bank)'s ₹15,100, even though HSBC TravelOne has the higher fee. Scapia (Federal Bank) is the better pick if you spend abroad: its forex markup is 0% against 3.5% on HSBC TravelOne, 3.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Scapia (Federal Bank) costs ₹0 — lifetime free, HSBC TravelOne ₹4,999/yr.

HSBC TravelOne pays one annual spend milestone, at ₹12,00,000 a year, and Scapia (Federal Bank) pays none.

Scapia (Federal Bank) review HSBC TravelOne review

Side by side

Scapia (Federal Bank) and HSBC TravelOne, fact by fact
FactScapia (Federal Bank)HSBC TravelOne
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹0 — lifetime free✓ Better₹4,999/yr
Fee waiverNoneSpend ₹8,00,000 a year
Reward rate on everyday spend2.0%4.0%✓ Better
PointsScapia CoinsHSBC Reward Points
Our value per point₹0.20₹2.00
Transfer partnersNone20✓ Better
Lounges it gets you into74 of 792✓ Better43 of 792
Forex markupNil✓ Better3.5% + GST
Welcome benefitNone — lifetime free with no joining bonus; the 0% forex is the pitch₹1,000 cashback + ₹3,000 Postcard voucher + 3-mo EazyDiner Prime on ₹25k in 30 days

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. HSBC TravelOne is ahead on 8 of the 12 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactScapia (Federal Bank)HSBC TravelOne
Our rank#34#12✓ Better
Our verdictKeepKeep
Lounge visits in IndiaUnlimited6 visits/yr
Lounge visits abroadNone4 visits/yr (LoungeKey)
Forex, in the bank’s wordsNil — 0% markup (official KFS)3.5% + GST
Interest (APR)3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash)3.75%/mo (45%/yr), computed from transaction date
Income needed (salaried)not published₹6L+/yr; age 18–65
Income needed (self-employed)not published₹12L+/yr; age 25–65

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendScapia (Federal Bank)HSBC TravelOne
At ₹30,000 a month₹6,000₹7,100✓ Better
At ₹75,000 a month₹15,100₹25,200✓ Better
At ₹1.5 lakh a month₹30,200₹80,500✓ Better
At ₹3 lakh a month₹60,500₹1,41,000✓ Better
At ₹5 lakh a month₹1,00,800₹2,21,600✓ Better
Pays for itself fromThe first rupee✓ Better₹13,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Scapia (Federal Bank) and HSBC TravelOne at each ₹25,000 step
Monthly spendScapia (Federal Bank)HSBC TravelOneAhead
₹25,000₹5,000₹5,100✓ BetterHSBC TravelOne by ₹100
₹50,000₹10,100₹15,200✓ BetterHSBC TravelOne by ₹5,100
₹75,000₹15,100₹25,200✓ BetterHSBC TravelOne by ₹10,100
₹1 lakh₹20,200₹40,300✓ BetterHSBC TravelOne by ₹20,100
₹1.25 lakh₹25,200₹70,400✓ BetterHSBC TravelOne by ₹45,200
₹1.5 lakh₹30,200₹80,500✓ BetterHSBC TravelOne by ₹50,300
₹1.75 lakh₹35,300₹90,600✓ BetterHSBC TravelOne by ₹55,300
₹2 lakh₹40,300₹1,00,600✓ BetterHSBC TravelOne by ₹60,300
₹2.25 lakh₹45,400₹1,10,700✓ BetterHSBC TravelOne by ₹65,300
₹2.5 lakh₹50,400₹1,20,800✓ BetterHSBC TravelOne by ₹70,400
₹2.75 lakh₹55,400₹1,30,900✓ BetterHSBC TravelOne by ₹75,500
₹3 lakh₹60,500₹1,41,000✓ BetterHSBC TravelOne by ₹80,500
₹3.25 lakh₹65,500₹1,51,000✓ BetterHSBC TravelOne by ₹85,500
₹3.5 lakh₹70,600₹1,61,100✓ BetterHSBC TravelOne by ₹90,500
₹3.75 lakh₹75,600₹1,71,200✓ BetterHSBC TravelOne by ₹95,600
₹4 lakh₹80,600₹1,81,300✓ BetterHSBC TravelOne by ₹1,00,700
₹4.25 lakh₹85,700₹1,91,400✓ BetterHSBC TravelOne by ₹1,05,700
₹4.5 lakh₹90,700₹2,01,400✓ BetterHSBC TravelOne by ₹1,10,700
₹4.75 lakh₹95,800₹2,11,500✓ BetterHSBC TravelOne by ₹1,15,700
₹5 lakh₹1,00,800₹2,21,600✓ BetterHSBC TravelOne by ₹1,20,800
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 20

Scapia (Federal Bank)'s Scapia Coins cannot be moved to any airline or hotel; HSBC TravelOne's HSBC Reward Points move to 20.

Only HSBC TravelOne: Singapore Airlines KrisFlyer, Qatar Airways Privilege Club (Avios), The British Airways Club (Avios).

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Scapia (Federal Bank)

  • Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
  • Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
  • Zero coins on international spends — abroad it's purely a 0%-forex card

1 more on its page

HSBC TravelOne

  • Fee waived only at ₹8L annual spend; forex is 3.5% + GST — the cashback-back promo ended 30 Jun 2026, and HSBC's all-cards zero-markup window, extended from 15 Sep, closes 31 Oct 2026
  • Base earn is a modest 2X outside travel/forex
  • HSBC's eligibility and branch footprint are narrow

4 more on its page

Common questions 5 answered

Which is better, Scapia (Federal Bank) or HSBC TravelOne?

At every spend from ₹25,000 to ₹5 lakh a month, HSBC TravelOne beats Scapia (Federal Bank), and its lead widens from ₹100 to ₹1,20,800 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: HSBC TravelOne returns ₹30,200 a year in rewards to Scapia (Federal Bank)'s ₹15,100, even though HSBC TravelOne has the higher fee. Scapia (Federal Bank) is the better pick if you spend abroad: its forex markup is 0% against 3.5% on HSBC TravelOne, 3.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: Scapia (Federal Bank) costs ₹0 — lifetime free, HSBC TravelOne ₹4,999/yr.

Scapia (Federal Bank) or HSBC TravelOne: which is worth more at ₹3 lakh a month?

HSBC TravelOne beats Scapia (Federal Bank) by ₹80,500 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Scapia (Federal Bank) or HSBC TravelOne?

Scapia (Federal Bank): ₹0 — lifetime free against ₹4,999/yr. Scapia (Federal Bank) has no fee waiver; HSBC TravelOne waives its fee if you spend ₹8,00,000 a year.

Which gets you into more airport lounges, Scapia (Federal Bank) or HSBC TravelOne?

Scapia (Federal Bank): 74 of the 792 lounges we track, against 43 for HSBC TravelOne. Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

Scapia (Federal Bank) was last checked against its bank's own documents on 20 Oct 2026, HSBC TravelOne on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Scapia (Federal Bank) was last checked against its bank's own documents on 20 Oct 2026, HSBC TravelOne on 24 Oct 2026. Every fact above comes from these 14 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 14 sources
  1. Official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction" read
  2. Official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees read
  3. Official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5% read
  4. Community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry) read
  5. Official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025) read
  6. Official Product page (₹4,999 joining and annual fee, free above ₹8,00,000 of yearly spend, welcome ₹1,000 cashback + ₹3,000 PostCard + 3-mo EazyDiner Prime on ₹25k/30d; issued in 21 cities) read
  7. Official Transfer-partner table — 15 airlines + 5 hotels; AirAsia 1 pt = 3 miles (official wording), Hainan/Turkish/United 2 pts = 1 mile, Shangri-La 5:1, the other 16 at 1:1 read
  8. Official TravelOne MITC / tariff sheet — ₹4,999 joining; the ₹4,999 annual fee is reversed in full when primary and add-on cards together spend over ₹8,00,000 in the anniversary year read
  9. Official TravelOne Important Terms and Conditions (mitc-t1) — 3.75%/mo finance charge, 2.5% cash advance (min ₹500), 3.5% forex, late fee 100% of minimum due (₹250–₹1,200) read
  10. Official Service Guide (11-Dec-2025) — confirms the 2X accelerator on airlines/travel agencies/foreign currency carries a 50,000 accelerated-RP calendar-month cap read
  11. Official Milestone Offer T&C — 10,000 reward points for ₹12,00,000 of net eligible spend in an ANNIVERSARY year from the card-open date; primary cards only, add-ons have no separate eligibility read
  12. Community CardExpert review (4X 50k-RP/mo cap, forex promo end) read
  13. Community Magnify review — full 20-partner table (15 airlines incl. AirAsia 1:3, Turkish/United/Hainan 2:1; 5 hotels incl. Shangri-La 5:1) read
  14. Official HSBC Rewards Programme T&C — the MCC exclusion table behind the zero-earn categories read

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