Best Travel Credit Card 2026: HSBC, SBI, or HDFC—Which Card Offers 12 Free Lounge Access Visits? Here Are the Details..

Whether it’s a long weekend or a special occasion, nowadays hardly anyone wants to spend their days cooped up at home. The moment an opportunity arises, people pack their bags and head out on a trip without delay. If you, too, are an avid traveler looking to take advantage of great deals, then this news is just for you. We will tell you about three travel credit cards that can help you save thousands throughout the year while also unlocking a host of exclusive offers.

Let’s compare three of the leading travel credit cards currently dominating the market. We will be discussing the HSBC TravelOne Credit Card, the KrisFlyer SBI Card Apex, and the Marriott Bonvoy HDFC Credit Card.

**What is the Joining Fee for Each Card?**

Among the three cards, the Marriott Bonvoy HDFC Credit Card has the lowest joining fee, standing at ₹3,000. Conversely, the KrisFlyer SBI Card Apex has the highest joining fee, requiring you to pay ₹9,999.

**Credit Card** | **Joining Fee** | **Annual Fee**
**HSBC TravelOne Credit Card** | ₹4,999 | ₹4,999
**KrisFlyer SBI Card Apex** | ₹9,999 | ₹9,999
**Marriott Bonvoy HDFC Credit Card** | ₹3,000 | ₹3,000

**What Welcome Benefits Are on Offer?**

**HSBC TravelOne Credit Card:** Earn 3,000 bonus points upon spending ₹1 lakh within the first 90 days. Additionally, spend ₹10,000 within the first 30 days to receive ₹1,000 in cashback, a 3-month membership to EasyDiner Prime, and a complimentary voucher for a stay at a Postcard Hotel.

**KrisFlyer SBI Card Apex:** Receive 10,000 KrisFlyer Miles upon spending ₹10,000 after the card has been activated. Marriott Bonvoy HDFC Credit Card – 1 Free Night Award (valued at up to 15,000 Marriott Bonvoy points), complimentary Marriott Bonvoy Silver Elite status, and 10 complimentary Elite Night Credits for the cardholder.

**Which Card Offers How Much Cashback?**

**HSBC Travel One Credit Card**
4 Reward Points for every ₹100 spent on flights, travel, and foreign currency transactions.
2 Reward Points for every ₹100 spent on other spending categories.
1 Reward Point = 1 Air Mile or Hotel Point.

**KrisFlyer SBI Card Apex**
10 KrisFlyer miles for every ₹200 spent within the Singapore Airlines Group.
8 KrisFlyer miles for every ₹200 spent internationally.

6 KrisFlyer miles for every ₹200 spent on other eligible card transactions.

**Marriott Bonvoy HDFC Credit Card**
8 points for every ₹150 spent at participating Marriott Bonvoy hotels.
4 points for every ₹150 spent on travel, dining, and entertainment.
2 points for every ₹150 spent on all other types of purchases.

**Which Card Offers Lounge Access?**
**KrisFlyer SBI Card Apex** –

This card offers 6 complimentary domestic and 4 complimentary international lounge access visits.

**HSBC Travel One Credit Card** – This card offers 8 complimentary lounge access visits each for both domestic and international flights; however, you may utilize a maximum of two visits per quarter.
**Marriott Bonvoy HDFC Credit Card** – This card offers 12 complimentary domestic and 12 complimentary international lounge access visits per year.

**Which Card Offers the Most Benefits?** The HSBC Travel One Credit Card offers a value-back of up to 12% on travel, the facility to convert rewards into air miles at a 1:1 ratio, and discounts of up to 15% on select travel platforms, along with complimentary golf rounds. Meanwhile, the KrisFlyer SBI Card Apex is ideal for Singapore Airlines travelers, offering a value-back of up to 5%, a bonus of 13,000 miles, an annual 'KrisFlyer Gold Membership,' and eight complimentary domestic and eight international lounge visits per year. Additionally, the Marriott Bonvoy HDFC Credit Card caters to hotel guests, providing exclusive privileges at Marriott properties, a 'Free Night Stay' as a welcome benefit, Silver Elite status, and complimentary airport lounge access.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.