Scapia Credit Card vs HSBC TravelOne Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
Federal Bank
★ 4.7 / 5.0
Scapia Credit Card
Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
HSBC Bank
★ 4.7 / 5.0
HSBC TravelOne Credit Card
Instant Airline & Hotel Loyalty Transfers Globally
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.7 / 5.0
★ 4.7 / 5.0
Annual Fee
Lifetime Free
₹5,000 + Taxes
Fee Waiver Condition
Lifetime Free credit card with zero joining or renewal fee liabilities
Annual fee waived on ₹6 Lakh annual retail spends
Reward Rate
20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)
4 reward points per ₹150 on foreign currency & travel; 2 points per ₹150 on local spend
Finance APR
3.75% per month (45% per annum)
3.3% per month (39.6% per annum)
Welcome Offer
Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel
20,000 bonus reward points on payment of joining fee
Top Perks
- • 20% Scapia Coins earned on flights and hotel bookings made via Scapia app (4% effective return)
- • 10% Scapia Coins earned on all eligible online and offline retail transactions (2% effective return)
- • 1 Scapia Coin = ₹0.20 redemption value for travel bookings on Scapia app with 100% coin utilization
- • Unlimited domestic airport lounge access across India upon hitting ₹20,000 monthly spend threshold
- • 4 reward points per ₹150 spent on foreign currency, flight, and hotel transactions
- • 2 reward points per ₹150 spent on all other domestic retail purchases
- • Instant transfer of reward points to 16+ airline and hotel partner programs
- • 4 complimentary domestic airport lounge access visits per year
Best Suited For
Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
Instant Airline & Hotel Loyalty Transfers Globally