Adani One Signature Credit Card vs HSBC Travelone Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• For everyday spend, both the Adani One Signature Credit Card ⓘ and the HSBC Travelone Credit Card ⓘ offer a base reward rate of 1%, making them evenly matched.
• For travel and lounge benefits, the HSBC Travelone Credit Card ⓘ wins with more complimentary lounge visits both domestically and internationally, and a significantly lower forex markup of 0.99%.
• The Adani One Signature Credit Card ⓘ has a lower monthly fee waiver threshold, making it more accessible to waive fees for moderate spenders.
• Choose the Adani One Signature Credit Card ⓘ if you prioritize high rewards on travel and utilities and want premium lounge upgrades; pick the HSBC Travelone Credit Card ⓘ if you want better forex rates, more lounge access, and additional perks like golf access.

Side by Side

Rewards Compared

On a Rs 10,000 spend, both the Adani One Signature Credit Card ⓘ and the HSBC Travelone Credit Card ⓘ deliver a base reward of Rs 100. However, the Adani One Signature Credit Card ⓘ offers significantly higher rewards on travel spends at Rs 700 per Rs 10,000, compared to Rs 300 on the HSBC Travelone Credit Card ⓘ. For utilities, the Adani card also rewards Rs 350 per Rs 10,000, whereas the HSBC card does not specify this category but offers Rs 300 on dining, which the Adani card does not emphasize.

This makes the Adani One Signature Credit Card ⓘ more rewarding for heavy travel and utility spenders, while the HSBC Travelone Credit Card ⓘ caters better to those who spend on dining and want moderate travel rewards alongside other benefits.

Fees Compared

The Adani One Signature Credit Card ⓘ charges an annual and joining fee of Rs 5,000 each, with a fee waiver on Rs 2.00 lakh annual spend, which translates to about Rs 16,667 per month. The HSBC Travelone Credit Card ⓘ has a slightly lower fee of Rs 4,999 for both joining and annual fees but requires a much higher annual spend of Rs 8.00 lakh to waive the fee, or roughly Rs 66,667 monthly. Both cards require around Rs 5.00 lakh in annual spend to cover the fee purely through base rewards, making the break-even point similar.

The HSBC Travelone Credit Card ⓘ demands a higher spend to avoid fees but offers a lower forex markup and more lounge access, which may justify the cost for frequent travelers.

Which One Should You Pick

Choose the Adani One Signature Credit Card ⓘ if you are a frequent traveler who also spends significantly on utilities and wants premium lounge upgrades and other travel-centric perks like meet-and-greet services and valet parking. It suits those who can meet the moderate fee waiver threshold and want to maximize rewards in travel categories.

Opt for the HSBC Travelone Credit Card ⓘ if you are a globetrotter who values extensive lounge access both domestically and internationally, prefers a lower forex markup for foreign currency spends, and enjoys additional benefits like golf access and purchase protection. This card is ideal if you can meet the higher waiver spend and want a broader range of lifestyle perks.

Skip the Adani One Signature Credit Card ⓘ if you do not travel often or spend on utilities, as the high fees and forex markup may not justify the rewards. Avoid the HSBC Travelone Credit Card ⓘ if you cannot meet the high waiver threshold or do not require extensive lounge access and forex benefits.

What to Check Before You Apply

• Caps on lounge visits and premium benefits that may require additional spends or conditions.
• Redemption value and ease, especially since both cards use points but have different reward structures.
• Monthly spend required to waive the fee and whether your spending pattern can realistically meet it.
• Forex markup costs if you plan to use the card abroad, as the Adani card charges 3.5% versus HSBC’s 0.99%.
• Availability and locations of lounges accessible with each card to ensure they match your travel routes.

FAQ