HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a dedicated travel card that earns air miles transferable 1:1 to 10+ airline and hotel loyalty programmes including Air India, IndiGo, Singapore Airlines, Marriott Bonvoy, and Accor.
Premium Privileges Fit Score
88/100
Joining Fee
₹4,999
Annual Fee
₹4,999
Reward Rate (%)
2 – 6
2 pts/₹100 · ₹1/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
14/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HSBC TravelOne Credit Card Benefits
HSBC TravelOne Credit Card Rewards
How you earn back on every swipe
points
Reward type
2% – 6%
Earn rate
2
Points / ₹100
₹1
Per point
HSBC TravelOne Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
HSBC TravelOne Credit Card Lounge Access
Airport perks included with this card
6 per year
Domestic lounge visits
4 per year
International lounge visits
Things to Keep in Mind
- cash advances
- fuel surcharge waiver only on eligible fuel spends
- foreign currency markup applies
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹66,667/mo (₹8,00,004/yr), your ₹4,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HSBC TravelOne Credit Card Eligibility
Employment type
Pros & Cons
- Strong airline and hotel transfer partner ecosystem
- 1:1 points transfer to many loyalty programs
- Accelerated rewards on travel and international spends
- Good lounge access for the fee segment
- Annual fee waiver available at ₹8 lakh spends
- Valuable milestone bonus at ₹12 lakh spends
- Golf privileges included
- Suitable for frequent travelers building air miles
- High forex markup of 3.5%
- Reward exclusions include rent, insurance, utilities, education, and government payments
- Lounge access is limited compared to premium travel cards
- No unlimited lounge access
- Welcome benefits may not fully offset the joining fee
- Travel-focused users must learn points-transfer programs to maximize value
- Milestone rewards start only at relatively high spend levels
- Less attractive for cashback-focused users than dedicated cashback cards
Who is this card for?
Frequent international travellers who use multiple airlines and want flexibility to transfer rewards points to their preferred loyalty programmes. Best for those spending ₹1L+/month with significant international or travel spend.
Quick Links
Data last updated 10 Aug 2026
Calculate your exact earnings with HSBC TravelOne Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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