What is the annual fee for HSBC TravelOne Credit Card?

The annual fee for HSBC TravelOne Credit Card is ₹4,999. The fee is waived on annual spend above ₹8,00,000.

What is the joining fee for HSBC TravelOne Credit Card?

The one-time joining fee for HSBC TravelOne Credit Card is ₹4,999.

What are the rewards and benefits of HSBC TravelOne Credit Card?

HSBC TravelOne Credit Card earns points rewards. Reward rate ranges from 2% to 4%. You earn 2 points per ₹100 spent.

What lounge access benefits does HSBC TravelOne Credit Card provide?

HSBC TravelOne Credit Card provides 1 domestic lounge visits per quarter and 4 international lounge visits per year.

What is the eligibility criteria for HSBC TravelOne Credit Card?

To be eligible for HSBC TravelOne Credit Card, you need a minimum monthly income of ₹50,000.

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HSBC Bank

HSBC TravelOne Credit Card

Name: HSBC TravelOne Credit Card
Brand: HSBC Bank
Price: 4999 INR
Availability: InStock

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

CardCheck ScoreGood

Top Category Performance

Premium Privileges (88/100)

Best for: Frequent flyers — transfer air miles to 10+ airlines at 1:1 ratio

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Rate (%)

2 – 4

Forex Markup

3.5%

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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

GoodScore / 100

Reward Power

31/35

Fee Value & ROI

14/25

Lounge & Perks

11/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Premium Privileges

88/100

Online Shopping

84/100

Cashback Spends

75/100

Travel & Lounge

70/100

Scoring 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

Earn 4 Reward Points per ₹100 on flights, travel aggregators, and foreign currency spends

Earn 2 Reward Points per ₹100 on other eligible spends

Reward Points transfer to airline and hotel partners, generally at a 1:1 ratio

Welcome benefits: ₹1,000 cashback, ₹3,000 Postcard Hotels voucher, and 3-month EazyDiner Prime membership on meeting activation conditions

Additional 3,000 Reward Points on spending ₹1 lakh within the first 90 days

10,000 bonus Reward Points on annual spends above ₹12 lakh

6 complimentary domestic airport lounge visits per year

4 complimentary international airport lounge visits per year via LoungeKey

4 complimentary golf rounds and 12 golf lessons per year

HSBC TravelOne Credit Card Rewards

How you earn back on every swipe

points

Reward type

2% – 4%

Earn rate

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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹4,999

Annual fee₹4,999

Fee waiver on annual spend₹8,00,000

Interest-free period45 days

Interest rate (APR)45%

Late payment fee (max)₹1,200

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹4000)

HSBC TravelOne Credit Card Lounge Access

Airport perks included with this card

1 per quarter

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

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹8,00,000/yr

Your Estimated Monthly Spend:₹66,667/mo

Presets:

Annual Fee 100% Waived₹8,00,004 / ₹8,00,000

🎉 Annual renewal fee 100% waived! At ₹66,667/mo (₹8,00,004/yr), your ₹4,999 fee drops to ₹0.

Gross Rewards+₹32,000

Effective Fee₹0 (Waived)

Net Profit/Yr+₹32,000

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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HSBC TravelOne Credit Card Eligibility

Age18+ yrs – 65

Min. income₹50,000/month

CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros

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

Cons

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.