HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a premium credit card from HSBC India, with a joining fee of ₹4,999 + GST.
It earns up to 4 pts per ₹100 (≈1.0% value) on flights travel agg forex spends in the form of reward points (points).
Cardholders get 6 annual domestic + 4 annual international airport lounge access, plus ₹1,000 cashback + ₹3,000 postcard voucher (promo hsbctravel) as a welcome benefit.
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 4 pts per ₹100 on flights travel agg forex (cap 50000 points / annual)
- Base 0.50% on other spends
- ₹1,000 cashback + ₹3,000 PostCard voucher (promo HSBCTRAVEL)
HSBCworldpremiumRewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹100/mo
You spend ₹10,000 · earns 1.0% = ₹100 uncapped
- Capped at ₹1,042/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.5% = ₹75/mo
- Groceries₹8,000 · 0.5% = ₹40/mo
- Dining & food delivery₹8,000 · 0.5% = ₹40/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.5% = ₹25/mo
₹3,360 rewards − ₹4,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by HSBC India.
- Joining / annual fee of ₹4,999 + GST, waived on annual spends of ₹8,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (6/annual) + international (4/annual).
Pros & Cons
- Annual fee waivable on ₹8,00,000 spend.
- Complimentary international airport lounge access.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹4,000 welcome benefit
- ₹1,000 cashback + ₹3,000 PostCard voucher (promo HSBCTRAVEL)Spend ₹25,000 within first 30 daysWindow: 30 days from issuance.
Accelerated rewards
- 4 pts per ₹100 on flights travel agg forex (cap 50000 points / annual)4 Reward Points per ₹100 on flights, travel aggregators and foreign-currency spends (capped 50,000 RP/year, then 2 RP/₹100); 2 RP per ₹100 on everything else (no cap). 1:1 transfer to 15+ airline & hotel partners.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.hsbc.co.in · retrieved 5 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 730+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.