HSBC TravelOne Credit Card
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HSBC Bank

HSBC TravelOne Credit Card

Visa
Premium

Your rating

Community rating

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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Key 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

Rewards

How you earn back on every swipe

points

Reward type

2% – 4%

Earn rate

2

Points / ₹100

₹1

Per point

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)

Travel & Lounge Access

Airport perks included with this card

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

Tips & reviews

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

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Eligibility

Age18+ yrs – 65
Min. income₹50,000/month

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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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