HSBC TravelOne Credit Card benefits
- Forex4
reward points per ₹100 on flights, travel agencies and foreign currency spends
- Rewards2
reward points per ₹100 on other eligible spends
with no cap
- Rewards
Points convert 1 to 1 to airline miles and hotel points in the HSBC app
- Lounge6
domestic and 4 international lounge visits a year
- Rewards10,000
bonus points on ₹12 lakh of yearly spends
Good to know
- Annual fee ₹4,999, waived on ₹8 lakh of yearly spends
HSBC TravelOne Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Travel4 reward points per ₹100 on airlines, travel agencies and aggregators, and foreign currency spends, up to 50,000 points a calendar month. After that they earn 2 points per ₹100. | 4 points per ₹100 | 50,000 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Utilities, fuel, insurance, education and government payments, tax payments, rent and real estate, jewellery, wallet loads, money transfers and cash.
All reward rules
- HSBC's value calculator for this card counts 1 reward point as ₹1 when redeemed on Apple products or through HSBC Travel with Points. We use that value.
- Points also convert 1 to 1 to airline miles and hotel points with partners, instantly in the HSBC India app.
- 10,000 bonus reward points when you spend more than ₹12 lakh in a year.
- Welcome benefit: ₹1,000 cashback and a ₹3,000 PostCard hotel voucher when you log on to the HSBC India app and spend ₹25,000 in the first 30 days.
What the HSBC TravelOne Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 2% | ₹720 |
| Dining and food delivery | ₹4,000 | 2% | ₹960 |
| Online shopping | ₹3,000 | 2% | ₹720 |
| Travel | ₹14,000 | 4% | ₹6,720 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 2% | ₹720 |
| Total | ₹30,000 | ₹9,840 | |
| Renewal fee with GST | −₹5,899 | ||
| You keep | ₹3,941* |
Spend ₹4,40,000 more in the year and the renewal fee is waived.
HSBC TravelOne Credit Card annual fee and charges
- Joining fee
- ₹4,999
- Annual fee
- ₹4,999
- Fee waiver
- ₹8,00,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹4,999 and annual fee ₹4,999, both before GST. The annual fee is reversed if spends across the primary and add-on cards pass ₹8 lakh in the card year.
HSBC TravelOne Credit Card eligibility
- Age
- 18 to 65
- Salaried income
- ₹6,00,000 a year
- Self-employed income
- ₹12,00,000 a year
Salaried applicants aged 18 to 65, or self-employed aged 25 to 65. You must live in one of the cities HSBC serves, such as Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Kolkata or Ahmedabad.
The bank alone decides approval and your credit limit.
HSBC TravelOne Credit Card lounge access
6 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
6 domestic and 4 international airport lounge visits a year, shared by the primary and add-on cardholders.
Is the HSBC TravelOne Credit Card right for you?
A card with a ₹4,999 fee that spending can waive, paying 4% on travel and an above-average 2% elsewhere.
Worth its fee if you spend about ₹18,000 a month or more. Below that, the ₹4,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on travel: the card pays 4% back there, against 2% on most other spends.
- You spend ₹8,00,000 a year or more (about ₹66,700 a month), so the ₹4,999 renewal fee is waived.
- You fly a few times a year: it includes 6 domestic and 4 international airport lounge visits a year.
Not for you if
- You spend less than about ₹66,700 a month: you would pay ₹5,899 a year with GST.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HSBC TravelOne Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HSBC TravelOne Credit Card | ₹4,999 | 4% | ₹581* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹3,941 with the HSBC TravelOne Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HSBC TravelOne Credit Card?
The joining fee and the annual fee are ₹4,999 each, before GST. The annual fee is reversed if your spends pass ₹8 lakh in the card year.
How many reward points does HSBC TravelOne give?
2 reward points per ₹100 on most spends, and 4 per ₹100 on airlines, travel agencies and foreign currency spends, up to 50,000 points a month. Utilities, fuel, insurance, rent, wallet loads and some other spends earn nothing.
What is the value of an HSBC TravelOne reward point?
HSBC counts 1 point as ₹1 when you redeem on Apple products or through HSBC Travel with Points. You can also move points 1 to 1 to airline and hotel partners.
Does the HSBC TravelOne card give lounge access?
Yes. You get 6 domestic and 4 international airport lounge visits a year.
What is the eligibility for the HSBC TravelOne Credit Card?
Salaried applicants aged 18 to 65 with ₹6 lakh a year or more, or self-employed applicants aged 25 to 65 with ₹12 lakh or more. You must live in a city HSBC serves.