HSBC bank
HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a premium travel credit card designed for frequent travelers who want airline miles, hotel rewards, and airport lounge access.
Highlights
Main benefits
- Exclusive privileges at The Bicester Collection.
- 15% off flights, hotel bookings with many platform
- Access to the top golf courses in India
Fees
Fees and charges
Joining fee
₹4,999
Renewal fee
₹4,999
Annual fee waiver
Annual fee waiver on ₹8 lakh yearly spend
Who can apply
Eligibility
- Indian resident citizen
- Salaried applicants: age 18–65 years
- Self-employed applicants: age 25–65 years
- Minimum annual income:
₹6 lakh/year for salaried users,
₹12 lakh/year for self-employed users
- Good credit score, preferably 750+
- Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow or Nagpur.
Checklist
Documents required
- PAN card
- Aadhaar/identity proof
- Address proof
- Latest salary slips or income proof.
Process
How to apply
- Online Application Process through official HSBC TravelOne page.
- Offline Application by visiting an HSBC branch.
Value
Reward and cashback structure
Reward rate
4 reward points per ₹100
Cashback
10,000 bonus points on ₹12 lakh annual spend
Good fit
Pros
- Annual fee waiver on ₹8 lakh yearly spend.
- Convert 1 to 1 reward for airmiles or hotel points.
- Complimentary golf rounds and green fee offers
- Premium lifestyle benefits
Watchouts
Cons
- High forex markup fee of around 3.5% + GST.
- Expensive annual fee of ₹4,999 + GST.
- Reward redemption is mostly travel-focused.
- HSBC approval process is considered stricter.
Related
Related cards
Compare
Compare Cards
| Field | HSBC TravelOne Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | HSBC bank | HDFC Bank |
| Joining fee | ₹4,999 | ₹10,000/- plus Applicable Taxes |
| Renewal fee | ₹4,999 | ₹10,000/- plus Applicable Taxes |
| Best for | Frequent flyers, International travelers, Airline miles enthusiasts, High annual spend users | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | 4 reward points per ₹100 |
|
| Cashback | 10,000 bonus points on ₹12 lakh annual spend | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | 6 domestic airport lounge visits/year, 4 international lounge visits/year | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% Fuel surcharge waiver | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | ₹1,000 cashback, ₹3,000 Postcard hotel voucher, 3 months EazyDiner Prime membership, 10,000 bonus points on ₹12 lakh annual spend | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Annual fee waiver on ₹8 lakh yearly spend | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
|
|
| Apply link | Apply | Apply |
FAQs
Common questions
Is HSBC TravelOne a premium travel credit card?
Yes. It is a travel-focused premium card designed for airline miles, hotel rewards, airport lounge access, and travel benefits.
What is the reward rate?
4 reward points per ₹100 on travel and forex spends, 2 reward points per ₹100 on regular eligible spends, Higher rewards on HSBC Rewards Marketplace bookings.
Which airline and hotel partners are supported?
Points can be transferred to: Singapore Airlines KrisFlyer, Qatar Airways, Air India, British Airways, Marriott Bonvoy, Accor and others.
Does it have zero forex markup?
No. The card charges around 3.5% forex markup + GST.
Can reward points be redeemed as cashback?
The card is mainly designed for airline miles and hotel rewards. Travel redemption usually gives better value than cashback redemption.
Is there a fuel surcharge waiver?
Yes. 1% fuel surcharge waiver is available on eligible fuel transactions, usually between ₹400 and ₹4,000.