Premium credit cards can offer benefits such as travel rewards, airport lounge access, hotel discounts and lifestyle privileges. Among the options available, PNB LUXURA and HSBC TravelOne carry the same ₹4,999 joining fee but differ in annual fees, reward structures and travel benefits. While PNB LUXURA offers unlimited domestic and international lounge access, HSBC TravelOne provides travel-focused rewards and airline and hotel loyalty-point transfers.
1. PNB Metal Credit Card “LUXURA” on Visa
- Joining Fee: ₹4,999 + applicable taxes.
- Annual Fee: ₹1,999 + applicable taxes.
- Joining Fee Waiver: The joining fee is not charged if ₹1.5 lakh is spent within the first three billing cycles. The fee is also not charged if the card is closed within 90 days.
- Annual Fee Waiver: Waived on annual spends above ₹6 lakh.
Welcome Benefits:
- Earn 20,000 reward points on spending ₹50,000 within 90 days of card activation.
Reward Points Benefits:
- Earn 4 reward points per ₹100, with 4 points worth ₹1.
- Earn 3X reward points on travel and dining spends.
- Earn 10,000, 14,000 and 26,000 bonus points on annual spends of ₹5 lakh, ₹10 lakh and ₹15 lakh, respectively.
Airport Lounge Benefits:
- Get unlimited complimentary domestic airport lounge access.
- Get unlimited complimentary international airport lounge access.
Travel Benefits:
- 12% discount on domestic ixigo flights and hotels, up to ₹1,200.
- 10% discount on international ixigo flights and hotels, up to ₹2,500.
- Minimum order value of ₹5,000 for domestic and ₹10,000 for international bookings.
- Access to Visa Luxury Hotel Collection benefits, including breakfast for two, Wi-Fi, food and beverage credits and room upgrades, subject to availability.
- Up to 30% off eligible Agoda bookings, capped at US$200 per transaction.
- Elivaas and ITC Hotels offers, including stay-three-pay-two and second-night discounts.
- One complimentary international Meet & Greet service at leading Indian airports.
- Access to GHA DISCOVERY and Visa Infinite travel and lifestyle offers.
Dining & Lifestyle Benefits:
- Up to 20% off at participating restaurants through Visa Dine & Save.
- Buy 1 Get 1 free movie tickets up to ₹200 once a month through BookMyShow.
- Visa Concierge Services covering dining, travel, entertainment and shopping assistance.
Fuel Benefits:
- Fuel surcharge waiver of up to 1% or ₹12.50, whichever is lower, on eligible transactions above ₹500 and below ₹4,000.
- Maximum waiver of ₹350 per billing cycle, excluding applicable taxes and other charges.
Additional Benefits:
- Get access to Visa Infinite complimentary offers, which can include travel, hotel, dining and lifestyle privileges.
- Access Visa Dine & Save benefits across participating restaurants in India and select international markets.
- The card is available as a metal credit card, with a minimum credit limit of ₹1 lakh and a maximum limit of ₹50 lakh, subject to the bank’s risk underwriting.
Also Read: PhonePe SBI Credit Cards Now With ₹0 Joining Fee, Up to 10% Rewards — Which One Should You Pick?
2. HSBC TravelOne Credit Card
- Joining Fee: ₹4,999 + applicable taxes.
- Annual Fee: ₹4,999 + applicable taxes.
- Annual Fee Waiver: Annual fee waived on annual spends above ₹8,00,000.
Welcome Benefits:
- Get ₹1,000 cashback by downloading and logging into the HSBC India Mobile Banking app and spending ₹25,000 within the first 30 days of card issuance.
- Receive a ₹3,000 PostCard voucher after completing the required spending criteria.
- Enjoy 3 months of EazyDiner Prime Membership as a welcome benefit.
- Get an Amazon eGift Voucher worth ₹250 when you apply online, complete video self-verification, and receive the card.
Reward Points Benefits:
- Earn 4 Reward Points per ₹100 spent on flights, travel aggregators and foreign currency transactions.
- Earn 2 Reward Points per ₹100 spent on all other eligible purchases.
- Earn 10,000 bonus Reward Points on annual spends above ₹12 lakh (subject to applicable terms and conditions).
- Redeem Reward Points instantly through the HSBC India Mobile Banking app.
- Convert Reward Points into airline miles and hotel loyalty points at a 1:1 conversion ratio with selected travel partners.
- Earn additional Reward Points on eligible spends made through add-on cards.
Airport Lounge Benefits:
- Get 6 complimentary domestic airport lounge visits per year.
- Get 4 complimentary international airport lounge visits per year.
Travel Benefits:
- Save up to 15% on domestic and international flight and hotel bookings through Yatra, EaseMyTrip, Paytm Travel, Cleartrip and Goibibo.
- Get up to 11% discount on StayVista bookings (maximum 2 bookings per card per year and up to ₹3,000 savings per booking).
- Save up to 20% at select duty-free stores in India through AdaniOne (up to ₹3,000 once per card per year).
- Enjoy airport Meet & Assist services under eligible travel programmes.
- Access Mastercard World travel benefits, including holiday offers, travel discounts and lifestyle privileges.
- Enjoy exclusive privileges at The Bicester Collection Villages, including eVIP Pass access, hands-free shopping, reserved parking and exclusive sale events.
- Get purchase protection coverage up to USD 20,000 per year.
Dining & Lifestyle Benefits:
- Get up to 30% off dining bills through EazyDiner (maximum discount of ₹1,000 per bill).
- Get up to 10% off dining and events through the District app by Zomato.
- Enjoy Buy 1 Get 1 free movie tickets twice every month through eligible offers.
- Get access to premium golf benefits:
- 4 complimentary golf rounds every calendar year.
- 12 complimentary golf lessons annually.
- 50% discount on green fees for additional rounds.
Additional Benefits:
- Enjoy flexible repayment options through HSBC Instalment Plans, allowing customers to convert eligible purchases into monthly instalments.
- Get access to exclusive travel, lifestyle and shopping privileges through HSBC and Mastercard partnerships.
To apply for this card, visit the Official Website
Illustration: PNB LUXURA vs HSBC TravelOne at ₹25,000 Monthly Spending
| Parameter | PNB LUXURA | HSBC TravelOne |
| Monthly Total Spend | ₹25,000 | ₹25,000 |
| Yearly Spend | ₹3,00,000 | ₹3,00,000 |
| Travel Spend Assumed | ₹5,000/month | ₹5,000/month |
| Travel Reward Points | 600 RP/month | 2,400 RP/year |
| Other Eligible Spend | ₹20,000/month | ₹20,000/month |
| Reward Points on Other Spend | 9,600 RP/year | 4,800 RP/year |
| Total Annual Reward Points | 10,200 RP | 7,200 RP |
| Estimated Reward Value | ₹2,550 | ₹7,200 |
| Welcome Benefits | 20,000 RP = ₹5,000 | ₹4,250 |
| Total First-Year Benefit Value | ₹7,550 | ₹11,450 |
| Domestic Lounge Access | Unlimited | 6 visits/year |
| International Lounge Access | Unlimited | 4 visits/year |
| Annual Fee | ₹1,999 | ₹4,999 |
| Fee Waived at ₹3 Lakh Spend? | ₹6 lakh | ₹8 lakh |
| Fee Waived at ₹3 Lakh Spend? | No | No |
Note: The calculation assumes ₹5,000 monthly travel spends and ₹20,000 other eligible spends. Reward values are illustrative and may vary based on redemption options. Welcome benefits are included only for the first year.
Which Card Should You Consider?
HSBC TravelOne is worth considering for frequent travellers who can make use of its travel rewards, airline and hotel loyalty-point transfers, lounge access and lifestyle benefits. PNB LUXURA stands out for its lower annual fee and unlimited domestic and international lounge access, making the two cards suited to different spending and travel needs.