HSBC Travelone Credit Card vs Eazydiner Indusind Bank Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The HSBC Travelone Credit Card ⓘ wins for everyday spend with a higher base reward rate of 1% compared to 0.7% on the Eazydiner Indusind Bank Credit Card ⓘ.
• For travel and lounge benefits, the HSBC Travelone ⓘ is superior, offering 8 domestic and 6 international lounge visits annually, while the Eazydiner card only provides 4 domestic lounges and no international access.
• The Eazydiner Indusind Bank Credit Card ⓘ is cheaper to hold with a lower joining and annual fee of Rs 2,999 versus Rs 4,999 on the HSBC Travelone ⓘ.
• Choose the HSBC Travelone ⓘ if you prioritize travel rewards, lounge access, and forex savings. Opt for the Eazydiner Indusind Bank Credit Card ⓘ if you are a heavy diner seeking high dining rewards and a lower fee card.

Side by Side

Rewards Compared

The HSBC Travelone Credit Card ⓘ offers a base reward rate of 1%, which translates to Rs 100 earned on Rs 10,000 spent. This card shines in travel and dining categories, delivering 3% rewards or Rs 300 on Rs 10,000 spend in these segments. This makes it a strong choice for users who spend significantly on travel and dining, as the elevated category rates triple the base rewards.

In contrast, the Eazydiner Indusind Bank Credit Card ⓘ has a lower base reward rate of 0.7%, yielding Rs 70 on Rs 10,000 spent across general categories. However, it offers an impressive 10% reward rate on dining, which means Rs 1,000 back on Rs 10,000 spent dining out. This makes the Eazydiner card a compelling option for heavy diners who want to maximize returns in that category despite the lower base rate elsewhere.

Fees Compared

The HSBC Travelone ⓘ commands a higher joining and annual fee of Rs 4,999 each, with a fee waiver threshold set at Rs 8 lakh annual spend, or about Rs 66,667 per month. This means cardholders need to spend quite heavily to avoid paying the fee. The Eazydiner Indusind Bank Credit Card ⓘ charges Rs 2,999 for both joining and annual fees, with a much lower waiver threshold of Rs 2 lakh annually, or Rs 16,667 monthly.

The head-to-head break-even on base rewards alone requires about Rs 6.67 lakh more spend on the HSBC Travelone ⓘ to justify its Rs 2,000 higher fee. Therefore, only users confident of spending well above Rs 8 lakh annually will find the HSBC Travelone ⓘ fee worthwhile.

Which One Should You Pick

Pick the HSBC Travelone Credit Card ⓘ if you are a frequent traveler who values premium lounge access both domestically and internationally. Its lower forex markup of 0.99% is also ideal for overseas spenders. The card’s strong travel and dining rewards, combined with benefits like purchase protection and discounts on holiday bookings, make it a premium choice for high spenders who can meet the Rs 8 lakh waiver threshold.

Choose the Eazydiner Indusind Bank Credit Card ⓘ if your primary spend is dining out. The 10% dining rewards and complimentary EazyDiner Prime membership deliver excellent value for food lovers. Its lower fees and easier waiver threshold suit moderate spenders who want good rewards without a heavy annual commitment. However, it lacks international lounge access and charges a high 3.5% forex markup, so it is less suited for frequent travelers.

In summary, travelers and high spenders should opt for the HSBC Travelone ⓘ, while dining enthusiasts and moderate spenders will find the Eazydiner Indusind Bank Credit Card ⓘ more rewarding. Those who rarely dine out or travel internationally should skip both cards.

What to Check Before You Apply

• Confirm the exact caps on lounge visits and whether guest access is included.
• Review redemption options and value for points, especially for travel conversions.
• Calculate if your monthly spend meets the fee waiver thresholds to avoid fees.
• Consider the forex markup if you plan to use the card abroad; HSBC Travelone ⓘ is cheaper here.
• Check which airports and cities the domestic and international lounges cover.

FAQ