vs
In short: HSBC TravelOne has the lower annual fee (₹4,999 vs ₹5,000); Axis Atlas includes 12 airport lounge visits (Gold tier), HSBC TravelOne 6 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Axis Atlas | HSBC TravelOne |
|---|---|---|
| Annual fee | ₹5,000 | ₹4,999 |
| Joining fee | ₹5,000 | ₹4,999 |
| Annual fee waived | Not listed | On ₹8 lakh annual spend |
| Top reward rate | 5 EDGE Miles per ₹100 Spent on Travel | 2X Reward Points on Car Rentals |
| Base rewards | 2 EDGE Miles per ₹100 spent | 2 Reward Points on ₹100 Spent |
| Lounge access | 12 airport lounge visits (Gold tier) | 6 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Axis Bank Atlas Visa Credit Card and the HSBC Travelone Credit Card both target frequent travelers with competitive lounge access and rewards on travel spends. Axis Bank Atlas offers higher accelerated rewards on travel and multiple milestone benefits, while HSBC Travelone provides a cashback welcome offer and fee waiver on high annual spend. Both cards charge a similar forex markup and have comparable joining and renewal fees.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Atlas Visa Credit Card | Hsbc Travelone Credit Card |
|---|---|---|
| Bank | Axis Bank | HSBC |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.5000 | Joining Fee - Rs.4999 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.5000 | Annual Fees - Rs.4999 |
| Annual fee waiver | — | Spend Rs.8 Lakhs For Renewal Fee Waiver |
| Top reward rate | Earn 5 EDGE Miles per Rs.100 Spent on Travel | Earn 2X Reward Points on Car Rentals |
| Base rate (other spends) | Earn 2 EDGE Miles per Rs.100 spent | Earn 2 Reward Points on Rs.100 Spent |
| Lounge — domestic | Gold Tier - 12 Domestic Lounge Access | 6 Complimentary Domestic Airport Lounge Access Per Year |
| Lounge — international | Gold Tier - 6 International Lounge Access | 4 Complimentary International Lounge Access Per Year |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Enjoy 2500 EDGE Miles as Welcome Benefit | Rs.1000 Cashback As Welcome Rewards |
| Milestone benefit | Annual Benefits 2500 EDGE Miles - Gold Tier; Annual Benefits 5000 EDGE Miles - Platinum Tier | Earn 10000 Reward Points on Spend of Rs.1200000 |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the Axis Bank Atlas Visa Credit Card stands out with 5 EDGE Miles per Rs.100 spent on travel compared to HSBC Travelone's 2X reward points on car rentals and 4 reward points on flights and foreign currency spends. The Atlas card also offers a welcome benefit of 2500 EDGE Miles and multiple milestone rewards that can significantly boost earnings with higher spends. This makes it more rewarding for consistent travelers who can utilize these benefits. HSBC Travelone's rewards are decent but less accelerated overall and focus more on specific categories like car rentals.
Both cards provide valuable travel benefits including domestic and international lounge access, with Axis Bank Atlas offering 12 domestic and 6 international lounge visits compared to HSBC Travelone's 6 domestic and 4 international lounges. The Axis card also includes a 1% fuel surcharge waiver, which HSBC Travelone does not list. Both cards charge a 3.5% forex markup, so neither has an advantage there. Overall, the Axis Bank Atlas card offers more extensive lounge access and travel rewards, but HSBC Travelone's fee waiver on Rs.8 lakhs annual spend may appeal to high spenders.
Both cards have similar joining and renewal fees around Rs.5,000. However, HSBC Travelone offers a renewal fee waiver if you spend Rs.8 lakhs annually, which can reduce the effective cost for heavy users. The Axis Bank Atlas card does not mention a fee waiver, so its Rs.5,000 renewal fee applies every year. The Axis card also has a fuel surcharge waiver of 1%, which can save costs on fuel transactions. For moderate spenders, HSBC Travelone's potential fee waiver and cashback welcome benefit may make it more cost-effective.
Axis Bank Atlas Visa Credit Card offers multiple milestone benefits that reward higher annual spends with EDGE Miles, enhancing value for big spenders. In contrast, HSBC Travelone provides a straightforward renewal fee waiver if you spend Rs.8 lakhs annually, which can reduce the card's effective cost but does not have tiered milestone rewards.
Axis Bank Atlas includes a 1% fuel surcharge waiver, which can save costs on fuel transactions, whereas HSBC Travelone does not list such a waiver. Both cards charge a 3.5% forex markup on foreign currency transactions, so neither card offers an advantage in forex fees.
Consider Axis Bank Atlas Visa Credit Card if you prioritize higher accelerated rewards on travel spends and value extensive lounge access, including both domestic and international lounges. This card suits frequent travelers who can leverage milestone benefits and are comfortable with a fixed annual fee. The 1% fuel surcharge waiver is an added perk for those who spend on fuel.
Consider HSBC Travelone Credit Card if you prefer a card with a cashback welcome offer and the possibility of an annual fee waiver on spending Rs.8 lakhs or more. It is suitable for travelers who want decent lounge access and rewards focused on flights, foreign currency spends, and car rentals. Additionally, the complimentary golf lessons and rounds may appeal to golf enthusiasts.
Both Axis Bank Atlas Visa Credit Card and HSBC Travelone Credit Card have joining fees around Rs.5,000 and renewal fees of Rs.5,000 per year.
HSBC Travelone Credit Card offers an annual fee waiver if you spend Rs.8 lakhs in a year. Axis Bank Atlas Visa Credit Card does not mention a fee waiver.
Both cards charge a forex markup of 3.5% on foreign currency transactions.
Axis Bank Atlas Visa Credit Card provides more lounge access with 12 domestic and 6 international lounges annually, compared to HSBC Travelone's 6 domestic and 4 international lounges.
Axis Bank Atlas Visa Credit Card offers 2500 EDGE Miles as a welcome benefit, while HSBC Travelone Credit Card provides Rs.1000 cashback and a PostCard voucher worth Rs.3000 after minimum spends.
Axis Bank Atlas Visa Credit Card offers a 1% fuel surcharge waiver. HSBC Travelone Credit Card does not list a fuel surcharge waiver.