HSBC TravelOne Credit Card

Name: HSBC TravelOne Credit Card
Brand: HSBC
Price: 4999 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

HSBC positions the TravelOne as its flagship travel credit card in India, and the reward structure backs that up. The card earns 4 reward points per ₹100 on flights, travel aggregator bookings, and forex transactions. All other retail purchases earn 2 reward points per ₹100 with no monthly cap. The real value comes from instant 1:1 conversion to airline miles through the HSBC India mobile app, covering 15 airline partners and 5 hotel loyalty programmes.The airline partner list is one of the broadest among Indian credit cards. Most conversions run at 1:1, meaning 1 reward point equals 1 mile with Singapore Airlines KrisFlyer, British Airways Executive Club, Qatar Airways Privilege Club, Air India Maharaja Club, and others. Hotel transfers include Marriott Bonvoy, IHG One Rewards, and Accor ALL at 1:1 rates. You can also earn up to 6X points on hotels, flights, and car rentals booked through Travel with Points.Lounge access is solid for a ₹4,999 fee card: 6 domestic and 4 international visits per year. Travel perks extend beyond lounges with 15% off on Yatra, EaseMyTrip, Paytm Travel, and Cleartrip for flights and hotels. StayVista bookings get 11% off (max 2 bookings per year, capped at ₹3,000 savings each). AdaniOne duty-free stores give 20% off on ₹8,000+ purchases, and HSBC includes USD 20,000 in annual purchase protection.Mastercard World Platform benefits add 4 complimentary golf rounds and 12 lessons per calendar year, plus 50% off green fees for extra rounds. Entertainment comes through the District app by Zomato: buy-one-get-one movie tickets twice a month, up to 10% off events, and dining discounts. The Bicester Collection Village programme provides eVIP pass discounts and hands-free shopping at luxury outlets.The joining and annual fee are both ₹4,999. Annual fee gets waived if you spend ₹8 lakh or more in a year. There is also a milestone bonus of 10,000 reward points when annual spending crosses ₹12 lakh. Eligibility requires a minimum annual income of ₹6 lakh for salaried individuals, with the card available across 18 Indian cities including metros and select tier-2 cities like Kochi, Jaipur, and Lucknow.

Pros

↑1:1 mile conversion across 15 airlines (including Singapore Airlines, British Airways, Qatar Airways) gives one of the strongest travel reward rates among Indian credit cards
↑10 complimentary airport lounge visits annually (6 domestic + 4 international) at a ₹4,999 fee point, plus 15% off on four major OTA platforms
↑Welcome package worth over ₹4,000 in cashback, PostCard voucher, and EazyDiner Prime subscription on just ₹10,000 spend in 30 days

Cons

↓₹8 lakh annual spend required for fee waiver is steep for cardholders earning the minimum ₹6 lakh income
↓Accelerated 4 RP earn rate on travel and forex is capped at 50,000 reward points per month, limiting high spenders
↓No reward points on fuel, insurance, jewellery, utilities, education, e-wallets, and government or tax payments

Key Highlights

Welcome Offer
₹1,000 cashback + ₹3,000 voucher on ₹10K spend
Spend ₹10,000 within 30 days of card opening
₹1,000 cashback credited to card
₹3,000 PostCard voucher
3 months EazyDiner Prime membership included
Must download HSBC India Mobile Banking app

Reward Rate
4 RP per ₹100 on travel and forex
4 reward points per ₹100 on flights, travel aggregators, forex
2 reward points per ₹100 on all other retail purchases
Accelerated earn capped at 50,000 RP per month
Base 2 RP earn has no monthly cap
Instant 1:1 conversion to airline miles in HSBC app

Minimum Salary
₹6 lakh minimum annual income (salaried)
Age: 18 to 65 years for primary cardholder
Indian resident in 18 eligible cities
Cities include Mumbai, Delhi NCR, Bangalore, Chennai, Hyderabad, Kolkata, Pune, Ahmedabad, and more
Credit score of 750+ typically required

Joining Fee
₹4,999 joining fee
One-time joining fee of ₹4,999
GST applicable as per government rates
Welcome benefits worth over ₹4,000 offset the fee
No joining fee waiver condition mentioned

Annual Fee
₹4,999 annual fee (waived on ₹8L spend)
Annual fee of ₹4,999 from second year
Waived if annual retail spend crosses ₹8 lakh
GST applicable on all fees
Milestone bonus of 10,000 RP at ₹12L spend

Why Choose?
1:1 airline mile conversion, 15 partners
15 airline partners including Singapore Airlines, British Airways, Qatar Airways
5 hotel partners including Marriott Bonvoy, IHG, Accor
Most conversions at 1:1 ratio
Instant redemption via HSBC India mobile app
Up to 6X RP on Travel with Points bookings

Key Benefits

Dining

★3.5

▼

District app by Zomato: buy-one-get-one movie tickets twice per month
Up to 10% off events with promo code HSBCTOEVENTS
Dining discounts via promo code HSBCTODINING
3 months EazyDiner Prime included in welcome offer
Standard 2 RP per ₹100 earn rate on dining (no accelerated category)

Lifestyle

★3.5

▼

4 golf rounds and 12 lessons per year through Mastercard World
District app: BOGO movies, dining and events discounts
Bicester Collection Village privileges (eVIP pass, luxury outlets)
StayVista 11% off for holiday stays
EMI facility through HSBC Instalment Plans on large purchases

Milestone

★4.0

▼

10,000 bonus reward points on spending ₹12 lakh in a card year
Equivalent to 10,000 airline miles at 1:1 conversion
Single milestone keeps the structure simple
Annual fee waiver at ₹8 lakh is also a spending benefit
Welcome offer adds ₹4,000+ value on ₹10,000 first-month spend

Premium

★4.0

▼

Mastercard World Platform tier with global benefits
4 complimentary golf rounds and 12 lessons per calendar year
50% off green fees for additional golf rounds
Bicester Collection Village eVIP pass and luxury shopping privileges
USD 20,000 purchase protection coverage annually
HSBC India mobile app with instant mile redemption

Reward Points

★4.0

▼

4 RP per ₹100 on flights, travel aggregators, and forex (50,000 RP/month cap)
2 RP per ₹100 on all other retail purchases (no cap)
Instant 1:1 airline mile conversion in HSBC India app
Up to 6X RP on Travel with Points bookings
10,000 bonus RP milestone at ₹12 lakh annual spend
No RP on fuel, insurance, jewellery, utilities, education, e-wallets, government payments

Travel

★4.5

▼

15 airline transfer partners with mostly 1:1 conversion ratios
5 hotel loyalty programme partners (Marriott Bonvoy, IHG, Accor, Shangri-La, Wyndham)
6 domestic and 4 international airport lounge visits per year
15% off on Yatra, EaseMyTrip, Paytm Travel, and Cleartrip
11% off at StayVista (max 2 bookings/year, ₹3,000 cap each)
20% off duty-free at AdaniOne (₹3,000 cap, once per card per year)
USD 20,000 annual purchase protection

Airport Lounge Access

▼

6 complimentary domestic airport lounge visits per year
4 complimentary international airport lounge visits per year
10 total annual visits at a ₹4,999 fee point
Primary cardholder eligible for lounge access
Good coverage for moderate to frequent travellers

Detailed Information

Joining Fee	₹4,999 + GST
Annual Fee	₹4,999 + GST
Annual Fee Waiver	Waived on ₹8 lakh annual retail spend
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5% + GST
Late Payment Charges	Up to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Processing fee applicable as per prevailing rates
Fee For Supplementary Card	Contact HSBC for details
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18-65 years
Age Requirement Self Employed	18-65 years
Minimum Annual Income Salaried	₹6 lakh per annum
Minimum Annual Income Self Employed	Contact HSBC for details
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest salary slip Bank statements showing salary credit Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual fee is ₹4,999 plus GST. It gets waived if your annual retail spending crosses ₹8 lakh in a card year. The joining fee is also ₹4,999 plus GST.

You earn 4 reward points per ₹100 spent on flights, travel aggregators, and foreign currency transactions. All other retail purchases earn 2 reward points per ₹100 with no monthly cap. The accelerated 4 RP rate is capped at 50,000 points per month.

You can instantly convert reward points to airline miles at a 1:1 ratio through the HSBC India mobile app. Most of the 15 airline partners accept 1 reward point for 1 mile, including Singapore Airlines KrisFlyer, British Airways Executive Club, and Qatar Airways Privilege Club. A few partners like Turkish Airlines and United Airlines convert at 2 points per mile.

The 15 airline partners include Air India, AirAsia, Air France-KLM, British Airways, Etihad Airways, EVA Air, Hainan Airlines, Japan Airlines, Singapore Airlines, Qantas Airways, Qatar Airways, Thai Airways, Turkish Airlines, United Airlines, and Vietnam Airlines. You must sign up to each airline's frequent flyer programme before converting points.

Five hotel partners are available: Accor ALL, IHG One Rewards, Marriott Bonvoy, Shangri-La Circle, and Wyndham Rewards. Most convert at 1:1 (1 reward point equals 1 hotel loyalty point), except Shangri-La Circle which requires 5 reward points per 1 loyalty point.

You get 6 domestic and 4 international complimentary airport lounge visits per year, totalling 10 visits annually. Only the primary cardholder is eligible for lounge access.

Spend ₹10,000 within the first 30 days of opening your card account and you get ₹1,000 cashback, a ₹3,000 PostCard voucher, and 3 months of EazyDiner Prime membership. You need to download and log into the HSBC India Mobile Banking app to qualify.

Yes. You earn 10,000 bonus reward points when your annual spending crosses ₹12 lakh. These points can be converted to airline miles or hotel loyalty points at the same rates as regular reward points.

You get 15% off on Yatra, EaseMyTrip, Paytm Travel, and Cleartrip for domestic and international flight and hotel bookings. StayVista gives 11% off on holiday stays (max 2 bookings per year, capped at ₹3,000 saving each). AdaniOne duty-free stores give 20% off on purchases of ₹8,000 or more, once per card per year.

Through Mastercard World Platform, you get 4 complimentary rounds of golf and 12 complimentary golf lessons per calendar year (maximum 1 lesson per month). Additional rounds beyond the free quota come with 50% off green fees.

The card provides up to USD 20,000 in purchase protection coverage per year. This protects eligible purchases against damage or theft for a limited period after the date of purchase.

Through the District app by Zomato, you can buy one movie ticket and get one free, twice a month. You also get up to 10% off on events and dining discounts. Promo codes are HSBCTOMOV for movies, HSBCTOEVENTS for events, and HSBCTODINING for dining.

Salaried individuals need a minimum annual income of ₹6 lakh. You must be an Indian resident aged between 18 and 65 years, residing in one of the 18 eligible cities.

The card is available in 18 cities: Chennai, Gurgaon, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, and Lucknow.

You need your latest salary slip (if salaried), proof of residence, identity proof, and your PAN card. HSBC may request additional documents during the application process.

The monthly percentage rate is 3.49%, which works out to 41.88% per annum. This applies to any outstanding balance carried forward after the payment due date. The interest-free credit period is up to 50 days if you pay your full statement balance on time.

A markup of 3.5% plus GST applies to all foreign currency transactions. While this is standard for Indian credit cards, the 4 RP per ₹100 earn rate on forex transactions helps offset part of this cost through mile conversions.

Late payment charges go up to ₹1,300 depending on your outstanding balance. The minimum amount due is 5% of your total outstanding or ₹200, whichever is higher.

Yes, cash advances are available but come with a fee of 2.5% of the withdrawal amount or ₹500, whichever is higher. Interest starts accruing from the date of the cash advance, with no interest-free period.

Reward points are not earned on fuel, insurance premiums, jewellery purchases, utility bill payments, education fees, e-wallet loads, financial institution transactions, money transfers, tax payments, and real estate transactions. Cash advances and EMI conversions also do not earn points.

Travel with Points is a booking platform where you can earn up to 6X reward points on hotels, flights, and car rentals. It is accessible through the HSBC India mobile app and lets you use your reward points directly for travel bookings.

Yes. HSBC Instalment Plans let you spread the cost of purchases across a repayment term that suits you. This can be set up through the HSBC India mobile app or by contacting customer service.

Cardholders get access to the Bicester Collection Villages, which are luxury shopping outlets. Benefits include eVIP pass discounts, hands-free shopping, sale event access, and reserved parking. You need to register online to activate these privileges.

Log into the HSBC India app, select your TravelOne card, tap 'View more' then 'Redeem points', and choose your preferred redemption category (airline miles, hotel points, or gift vouchers). Most airline and hotel transfers complete instantly or within 1 business day.

The TravelOne card runs on the Mastercard World Platform. This gives you access to Mastercard World benefits including complimentary golf, holiday discounts, and other global privileges.