Axis Bank Atlas Credit Card Vs. HSBC TravelOne Credit Card

Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

Comparison of Axis Bank Atlas Credit Card and HSBC TravelOne Credit Card

Feature	Axis Bank Atlas Credit Card	HSBC TravelOne Credit Card
Annual Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST (~₹5,899)
Joining Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST (~₹5,899)
Welcome Benefits	Receive 2,500 EDGE Miles on completing your first transaction within 37 days of card issuance.	N/A
Interest Rate (APR)	3.6% per month (43.2% annually)	3.75% per month (45% annually)
Foreign Currency Markup	3.5% + GST (~4.13%)	3.5%
Key Highlights	•Welcome Bonus •Accelerated Travel Rewards •Flexible Redemption •Three-Tier Membership •Dining Benefits •Airport Lounge Access	•Accelerated Rewards on Travel •Instant Miles Conversion •Hotel Loyalty Programmes •Airport Lounge Access •Travel Marketplace Bonus •Travel Aggregator Discounts
Dos	Prioritise direct airline and hotel bookings to earn 5 EDGE Miles per ₹100 Aim to achieve at least Gold tier (₹7.5 lakh annual spend) to justify the annual fee Plan partner transfers carefully to maximise the 1:2 conversion value Use the card for everyday non-excluded spending to reach tier milestones faster Pay your credit card bill in full and on time to avoid high interest charges	Download the HSBC India Mobile App immediately to unlock welcome benefits and manage your card efficiently. Use the card for all travel bookings to earn 4X points on flights and travel aggregators. Transfer reward points strategically to airline and hotel partners at a 1:1 ratio for maximum value. Book via the HSBC Rewards Marketplace to earn up to 6X points on hotel bookings. Apply travel aggregator promo codes to stack discounts with reward points.
Don'ts	Do not use the card for rent, fuel, utilities, or insurance as these do not earn EDGE Miles Do not expect an annual fee waiver; plan for the ₹5,900 annual fee Do not book travel through third-party OTAs if possible; direct bookings give 5X rewards Do not exceed ₹2 lakh monthly travel spend without planning, as rewards drop to 2X Do not ignore Group A partner transfer caps of 30,000 miles	Don’t carry a balance forward, 45% annual interest makes it extremely expensive. Don’t use the card for excluded categories such as rent, education fees, insurance, utilities, jewellery, and wallet loads. Don’t ignore the 3.5% forex markup, which reduces benefits on international spending. Don’t miss the welcome benefit deadline, complete ₹10,000 spend within the first 30 days. Don’t forget to download the app, it's required to activate welcome benefits.

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