HSBC TravelOne credit card

HSBC TravelOne

HSBC · Visa

HSBC TravelOne card offers 1:1 points transfer to airline partners and strong travel benefits for frequent flyers.

Annual Fee

₹4,999

Waived at ₹5.0L spend

Joining Fee

₹4,999

Base Reward Rate

4X

₹0.75/pt

Min CIBIL

750

₹8L+ income

Key Features

Travel-focused miles card with transfers to 10+ airlines and hotels
3X TravelOne points on all international spends
2X on dining and travel bookings in India
1X on all other domestic spends
Transfer points to Air India, Singapore Airlines, British Airways, Marriott and more
4 complimentary international lounge visits per year via Priority Pass
Complimentary domestic lounge access
Zero foreign transaction fee on international spends

Welcome Benefits

✓

10,000 Bonus TravelOne Points on First Spend

Earn 10,000 TravelOne points on your first transaction within 60 days of card activation

✓

Zero Foreign Transaction Fee

No foreign transaction markup on international spends — significant saving for frequent travellers

Reward Rates by Category

Dining

5X

Travel

8X

Online

4X

Shopping

4X

Grocery

3X

Fuel

1X

Utilities

1X

Other

4X

Partner Earn Rates

PartnerCategoryEarn Rate
International SpendsInternational3X
DiningDining2X
Travel PortalsTravel2X

Milestone Benefits

₹6.0 L

Annual Fee Waiver

Spend ₹6 lakhs to waive the ₹4,999 annual fee for the following year

Annual

₹10.0 L

15,000 Bonus TravelOne Points

Earn 15,000 bonus points on crossing ₹10 lakh annual spend

Annual

Airport Lounge Access

Domestic

8 visits/year

International

4 visits/year

Insurance & Protection

Air Accident Cover

Travel tickets booked on card

₹1 Crore

Overseas Medical Insurance

Emergency medical on international trips

USD 25,000

Baggage & Trip Cover

Baggage loss, delay and trip cancellation

Comprehensive

Zero Liability

Report promptly

100% fraudulent charges

Pros

  • 1:1 points transfer to airline partners
  • 8 domestic lounge visits/year
  • 4 international lounge visits/year
  • Good travel insurance
  • Fee waived at ₹5L annual spend

Cons

  • HSBC has limited branch presence in India
  • High minimum income requirement

Frequently Asked Questions

Which airlines can I transfer TravelOne points to?+
Air India, Singapore Airlines, British Airways, Emirates, Cathay Pacific, Malaysian Airlines and hotel partners like Marriott Bonvoy — check HSBC India website for current partners and ratios.
Is there a foreign transaction fee?+
No — HSBC TravelOne has zero forex markup on international spends, making it one of very few Indian cards that don't charge the usual 2–3.5%.
Lounge access?+
4 complimentary international lounge visits per year via Priority Pass, plus domestic lounge access.
Annual fee?+
₹4,999. Waived on ₹6 lakh annual spend.
What earn on international spends?+
3X TravelOne points plus zero forex fee — effectively the highest-value earn on any international transaction.

Ready to apply?

Apply on the HSBC website. Usually takes 10 minutes.

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HSBC TravelOne

₹4,999/yr · 4X rewards