u/15zipzapzoom

Since Regalia Gold is devalued, I’m looking at Axis Horizon vs HSBC TravelOne as alternatives — both seem like decent mid-tier travel cards.

My primary use case:

•	Travel spends (flights/hotels)

•	Good reward rate for travel redemptions

•	Lounge access is important (domestic + international)

•	Planning to get an add-on card for my spouse mainly for lounge usage

Would appreciate inputs from anyone using either (or both):

•	Which one gives better overall value for travel?

•	How’s the real-world reward redemption experience?

•	Any issues with portals / pricing / transfers?

•	Is lounge access smooth (especially for add-on users)?

Trying to pick one long-term card, so looking for practical feedback rather than just specs.