HSBC TravelOne Credit Card
- Updated On: 3 April, 2026
HSBC has been revamping and expanding its credit card portfolio in India, bringing a new breath to the travel and premium card segment. This includes the introduction of the new and improved Live+ Card and the launch of the premium HSBC Taj Credit Card. Now, HSBC has introduced a new travel-focused HSBC TravelOne Credit Card, which has already been quite successful in Singapore and Malaysia and will now be available in India.
The HSBC TravelOne Credit Card requires a joining fee and an annual charge of ₹4,999 + GST (costing ₹5,898). It offers 4 Reward Points for every ₹100 spent on travel, including flights and international transactions. With easy and fast redemption options across multiple hotel and airline partners and a conversion ratio of 1:1, the card provides a strong reward rate of 4% for domestic travel transactions. However, it is important to note that the card carries a Forex charge of 3.5% for international transactions, which can significantly impact the overall rewards earned on such spending.
All other eligible spends shall be awarded 4 Reward Points for every ₹100 spent. While the accelerated Reward Points earned for travel and international spending are capped at 50,000, there is no cap on Rewards for other spending with the base reward rate. Apart from a high reward rate for travel and other categories, this card also offers several travel and lifestyle-related perks such as complimentary airport lounge access, insurance benefits, recurring discounts on popular platforms, movie/dining offers, and more. Card Insider shall cover all these benefits along with all other vital aspects of this card in this detailed review of the HSBC TravelOne Credit Card.
HSBC TravelOne Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Welcome Benefits
₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹10,000 Within 30 Days of Card Issuance
Rewards and Benefits
Movie & Dining
BOGO Offers on Movie (Up to ₹200, Twice Each Month) and Dining/Events Discounts Via District by Zomato
Rewards Rate
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Reward Redemption
Transfer RPs to Various Hotel and Airlines Partners at 1:1 Ratio
Travel
Periodic Discount Offers on Travel Platforms (ClearTrip, Yatra, StayVista, and More)
Domestic Lounge Access
Six Free Lounge Visits Each Year
International Lounge Access
Four Free International Airport Lounge Visits Each Year
Golf
Four Golf Rounds and Twelve Golf Lessons Each Year
Insurance Benefits
Purchase Protection Up to $20,000 Each Year
Fees & Charges
Spend-Based Waiver
Annual Fee is Waived on Spends of ₹8 Lakh Each Year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
Maximum Waiver of ₹250 Per Month
Cash Advance Charges
2.5% of Transaction Amount (Minimum of ₹500)
Product Details
- This card comes at a joining and renewal fee of ₹4,999 + GST
- The HSBC TravelOne Credit Card is great for travel-related spending.
- Earn 4 Reward Points/₹100 spent on travel platforms, flights, and international transactions.
- All other eligible spends shall be awarded 2 Reward Points/₹100.
- Reward Points earned with this card can be transferred to 15 hotels and 5 airlines.
Pros/Cons
Pros
- There are no exclusions for the calculation of spending done for the ₹12 lakh milestone benefit.
- There are many hotels and airlines available to transfer Reward Points.
Cons
- Many users may not fully benefit from the welcome offer, as the ₹3,000 PostCard voucher is only applicable to those staying at PostCard hotels.
- Although this card offers a 4% reward rate for international spending, a 3.5% Forex charge negates those benefits.
Cashback, Vouchers, and More on Joining
To take advantage of the welcome benefits offered with the HSBC TravelOne Credit Card, cardholders need to download and log in to the HSBC India Mobile Banking app and spend ₹10,000 within the first 30 days of opening their credit card account. By doing so, cardholders will be eligible for ₹1,000 cashback, a ₹3,000 PostCard voucher, and a 3-month EazyDiner Prime Membership. However, these welcome benefits may not be considered the best since they do not justify the joining fee and are subject to certain conditions, such as the requirement to spend ₹10,000 within the first 30 days and to download the mobile app.
What You Must Know – The PostCard voucher is only valid for guests who are staying at the hotel during their visit.
Accelerated Reward Points and More
- 4 Reward Points/₹100 spent on flights, travel aggregators, and transactions made in foreign currency. These accelerated Reward Points are capped at 50,000 points each month, after which a regular reward rate shall be applicable.
- 2 Reward Points/₹100 on all other eligible spends.
HSBC Rewards Marketplace
Cardholders can earn accelerated reward points by making hotel, flight, and car rental bookings with the HSBC Rewards Marketplace portal.
| Card Variant | Hotels | Flights | Car Rentals |
| HSBC TravelOne | 6X (24 Points per ₹100) | 4X (16 Points per ₹100) | 2X (8 Points per ₹100) |
For the HSBC TravelOne Credit Card, accelerated reward points are capped at 18,000 points per cardholder per calendar month. There’s no cap on base reward points, and any accelerated points earned will be credited to the cardholder’s account within 10 days of the transaction being settled.
Exclusions
No Reward Points shall be earned for the following transactions: bail and bond payments, education and government, e-wallets, financial institutions, fuel, insurance, jewelry, money transfers, non-financial institutions, real estate agents and managers, tax payments, and utilities.
Hotel/Airline Transfer Partners
One of the main USPs of this credit card is the large number of transfer partners it has. Reward Points earned with the HSBC TravelOne Credit Card can be transferred to over 20 hotel and airline partners. Redemptions shall be instant or otherwise completed within a period of one day for most airlines and hotels. Refer to the table given below to check the complete list of available transfer partners.
Airlines
| Airline | Programme | Reward Point Transfer Ratio |
| Air India | Air India Maharaja Club | 1:1 |
| Air Asia | AirAsia Rewards | 1:3 |
| Air France–KLM | Flying Blue | 1:1 |
| British Airways | British Airways Executive Club | 1:1 |
| Etihad Airways | Etihad Guest | 1:1 |
| EVA Air | Infinity MileageLands | 1:1 |
| Hainan Airlines | Hainan Airlines Fortune Wings Club | 1:1 |
| Japan Airlines | JAL Mileage Bank | 1:1 |
| Singapore Airlines | Singapore Airlines Krisflyer | 1:1 |
| Qantas Airways | Qantas Frequent Flyer | 1:1 |
| Qatar Airways | Qatar Airways Privilege Club | 1:1 |
| Thai Airways | Royal Orchid Plus | 1:1 |
| Turkish Airlines | Turkish Airlines Miles&Smiles | 2:1 |
| United Airlines | United MileagePlus | 2:1 |
| Vietnam Airlines | Vietnam Airlines Lotusmiles | 1:1 |
Hotels
| Hotel Groups | Programme | Reward Point Transfer Ratio |
| Accor | ALL – Accor Live Limitless | 1:1 |
| IHG® Hotels & Resorts | IHG One Rewards | 1:1 |
| Marriott International | Marriott Bonvoy | 1:1 |
| Shangri-La | Shangri-La Circle | 5:1 |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 |
Free Airport Lounge Access
Avail complimentary lounge access across domestic and international airports without having to meet any spend-based criteria. TravelOne Card offers six domestic and four international airport lounge visits each year. International airport lounge access is offered via LoungeKey, and the complete list of partner domestic airports can be found here.
10,000 RPs as Milestone Benefit
Cardholders can earn 10,000 Reward Points with the HSBC TravelOne Credit Card on making spends of ₹12 lakh or more in a card anniversary year. Those who have insurance premium payments and other bills can take advantage of this spend-based offer (no regular rewards are earned for insurance payments with the HSBC TravelOne Credit Card). The anniversary year will be considered from the TravelOne Credit Card account open date.
Chauffeur-Driven Airport Transfers
TravelOne Credit Cardholders are eligible for one of the most exclusive perks usually reserved for ultra-premium cards, complimentary chauffeur-driven airport transfers. This benefit is available at select domestic locations and is applicable only for primary cardholders.
Cardholders can enjoy 4 complimentary airport transfers per year (once per quarter) in a Toyota Hycross or a similar premium SUV. The offer is valid until 31st December 2026.
Purchase Protection
HSBC TravelOne Card also has purchase protection offered by Tata AIG through Mastercard. Complete terms regarding the purchase protection plan can be found here.
| Summary of Cover Coverage | Annual Aggregate Limit | Per Occurrence Limit |
| Purchase Protection | ₹16,66,600 | ₹2,49,990 |
Other Benefits
Travel Discounts
- Yatra: 15% off on international and domestic flights and hotels (app/website).
- EaseMyTrip: 15% off on international and domestic flights and hotels (app/website).
- Paytm: 15% off on international and domestic flights (app/website).
- ClearTrip: 15% off on international and domestic flights (app/website).
Hotel & Stay Discounts
- StayVista: 11% off on hotel bookings (max 2 bookings per card per year, max saving ₹3,000 per booking).
Dining & Entertainment:
- Zomato: Up to 10% off on events and dining.
- District: Buy One Get Free on movie ticket bookings, twice each month, up to ₹200.
Shopping Discounts:
- Duty-Free (AdaniOne): Up to 20% off on duty-free shopping (min order ₹8,000, once per card per year, max saving ₹3,000).
Eligibility for HSBC TravelOne Credit Card
To apply, you must meet the following criteria:
- Be between the ages of 18 and 65 years old.
- Have a minimum annual income of ₹600,000 for salaried individuals.
- Be a resident of India.
- Should have residence or office in these cities: Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata.
HSBC TravelOne Credit Card Review
The HSBC TravelOne Credit Card, as the name suggests, is specifically designed for travel. It is an excellent choice for individuals who frequently travel for work or leisure. However, there are better options available, such as the Axis Atlas Credit Card. For those seeking a wider variety of hotel and airline transfer choices, the HSBC TravelOne card offers a compelling alternative with instant redemptions.
FAQs:
What are the annual charges for the HSBC Travel One Credit Card?
The HSBC TravelOne Credit Card comes at a joining and renewal charge of ₹4,999 + GST.
In which city is the HSBC TravelOne Credit Card available?
The HSBC TravelOne Credit Card can only be applied for by particular city residents; these include Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad and Kolkata.
How can I redeem my Reward Points for partner hotels and airlines?
Follow these steps to redeem your Reward Points
- Log in to the HSBC India app and select your TravelOne card.
- Tap on ‘View More’ and then select ‘Redeem Points.’
- Tap ‘Redeem Points Now’ to access the Rewards Marketplace.
- Choose the category you want and fill in the requested details.
- Enter the number of points you wish to redeem and tap ‘Continue.’
- Review and accept the HSBC Rewards Programme Terms and Conditions, then tap ‘Continue.’
- Review your request and place your order.
2 comments
Ashesh
Are Rent payments considered for reward points and milestone benefits ?
Kartik Kanwar
Should be valid, but still make a small transaction first. Hit and Try.