HSBC TravelOne vs SpiceJet Axis Bank Voyage Black
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SpiceJet Axis Bank Voyage Black Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.3/10 vs 8.2/10.
| Feature | HSBC TravelOne | SpiceJet Axis Bank Voyage Black |
|---|---|---|
| CardTrail Score | 8.2/10 | 8.3/10 |
| Annual Fee | ₹4,999 | ₹2,000 |
| Base Reward Rate | 4% | 1.5% |
| Max Reward Rate | 4% | 14% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 6 | 8 |
| International Lounges | 4 | 0 |
| Fuel Surcharge Waiver | No | Yes |
| Network | Mastercard | Visa |
When to Choose HSBC TravelOne
- You can meet the fee waiver condition: Spend Rs 8L/year
- Your primary spend is: travel, airmiles, hotels
When to Choose SpiceJet Axis Bank Voyage Black
- You want higher rewards — up to 14% vs 4%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, spicejet, flights
Annual Fee Value Analysis
To break even on HSBC TravelOne's ₹4,999 fee at 4% rewards, spend ₹10,415/month.
To break even on SpiceJet Axis Bank Voyage Black's ₹2,000 fee at 1.5% rewards, spend ₹11,111/month.