HSBC TravelOne Credit Card

Key Features & Benefits

The HSBC TravelOne Credit Card is designed for travelers who want their spending to directly fuel their next adventure. Every time you book flights or make purchases through travel aggregators, you earn 4 reward points per ₹100 spent—double the rate of regular purchases. What sets this card apart is its instant redemption feature, allowing you to convert points 1:1 into Air Miles directly through the HSBC mobile app without waiting or complex procedures.

Beyond earning rewards, you’ll enjoy 10 complimentary airport lounge visits annually (6 domestic, 4 international), making your travel experience more comfortable. The card offers practical travel discounts including 15% off on Yatra, EaseMyTrip, Paytm Travel, and Cleartrip bookings, plus up to 20% savings at select duty-free stores. With Mastercard World benefits like complimentary golf rounds and purchase protection up to $20,000 annually, this card combines earning potential with genuine travel conveniences that frequent flyers will actually use.

All You Need to Know About: HSBC TravelOne Credit Card

The HSBC TravelOne Credit Card is a premium travel rewards credit card issued by HSBC Bank India on the Mastercard World platform. Launched to cater to frequent travelers and globe-trotters, this card offers an accelerated reward structure specifically designed to maximize value on travel-related spending. Cardholders earn 4 reward points for every ₹100 spent on flights, travel aggregators like MakeMyTrip and Goibibo, and all foreign currency transactions, which effectively translates to a 4% return on travel spending. For all other eligible purchases, the card provides 2 reward points per ₹100 spent with no annual capping, ensuring unlimited earning potential throughout the year. Additionally, high spenders who cross the ₹12,00,000 annual spending threshold receive a bonus of 10,000 reward points as an added incentive.

What distinguishes the HSBC TravelOne Credit Card from competitors is its instant redemption feature—a first for HSBC credit cards in India. Through the HSBC India Mobile Banking app, cardholders can immediately convert their accumulated reward points into Air Miles on a 1:1 basis with major airline and hotel partners. This eliminates the traditional waiting periods and complex redemption processes that often frustrate credit card users. The card also provides practical travel benefits including 10 complimentary airport lounge visits annually (split as 6 domestic and 4 international), access to Mastercard World Platform privileges such as 4 complimentary golf rounds and 12 golf lessons per year, and attractive travel discounts. Cardholders save 15% on domestic and international bookings through Yatra, EaseMyTrip, Paytm Travel, and Cleartrip, and enjoy up to 20% off at select duty-free stores in India and on StayVista bookings.

The card comes with a joining fee and annual fee of ₹4,999 plus GST each, but the annual fee is completely waived for cardholders who spend ₹8,00,000 or more in their membership year, making it effectively free for high-value users. New cardholders receive attractive welcome benefits: spending ₹10,000 within the first 30 days earns ₹1,000 cashback, a ₹3,000 Postcard voucher, and 3 months of EazyDiner Prime membership. An additional 3,000 bonus points are awarded for spending ₹1,00,000 in the first 90 days. A limited-time promotional offer valid until December 31, 2025 provides an extra ₹3,999 cashback for spending ₹25,000 in the first 30 days. The card requires a minimum annual income of ₹6,00,000 for salaried individuals and includes additional features like fuel surcharge waiver up to ₹250 per month, purchase protection insurance coverage up to $20,000 annually, and flexible EMI conversion options through HSBC Instalment Plans. Add-on cards can also earn reward points, making it family-friendly for households that want to consolidate spending and maximize rewards across multiple users.

Pros & Cons

How to Apply

Applying for the HSBC TravelOne Credit Card is straightforward. Visit the official HSBC India website and navigate to the credit cards section, or download the HSBC India Mobile Banking app from your device’s app store. Select the TravelOne Credit Card and click “Apply Now.” Complete the online application form with your personal, employment, and income details. Upload required documents including identity proof, address proof, and income statements (salary slips or ITR). Existing HSBC customers can apply through net banking for faster processing. Once submitted, HSBC will verify your details and communicate the approval status within 7-10 working days.

Detailed Fee Structure

The HSBC TravelOne Credit Card charges a joining fee of ₹4,999 plus applicable GST, and an annual renewal fee of the same amount starting from the second year. However, you can get the annual fee completely waived by spending ₹8,00,000 or more during your card membership year, making it essentially free for high spenders. Additional charges include fuel surcharge waiver up to ₹250 per month on fuel transactions, though specific fuel transaction limits apply. While foreign currency markup rates aren’t publicly disclosed, standard international transaction fees typically range between 1.99% to 3.5%. Late payment charges, cash advance fees, and overlimit fees follow HSBC’s standard credit card fee schedule. The card offers flexible EMI conversion through HSBC Instalment Plans for large purchases, with interest rates varying based on tenure and creditworthiness.

Who Should Get This Card?

This card is ideal for frequent travelers who regularly book flights and travel accommodations, particularly those spending significantly on travel aggregators and foreign currency transactions. If your annual spending exceeds ₹8,00,000, making you eligible for the fee waiver, and you fly often enough to utilize the 10 complimentary lounge visits, this card delivers exceptional value. It’s particularly suited for salaried professionals earning ₹6,00,000+ annually who prioritize travel rewards and want the flexibility of instant point redemption to airline miles. Business travelers and vacation enthusiasts who appreciate premium travel perks like lounge access and travel discounts will find this card rewarding.

Alternatives & Competitor Comparison

Feature	HSBC TravelOne Credit Card	Axis Atlas Credit Card
Card Image
Card Network	N/A	Mastercard, Visa
USP	The HSBC TravelOne Credit Card delivers 4X reward points on flights and travel bookings with instant redemption to airline miles, plus 10 complimentary airport lounge visits and exclusive travel discounts, making it perfect for frequent travelers seeking maximum rewards on their journeys.	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.
Annual Fee	4999 Plus GST	5000 Plus GST
Joining Fee	4999 Plus GST	5000 Plus GST
Welcome Benefits	Spend ₹10,000 in first 30 days to get ₹1,000 cashback + ₹3,000 Postcard voucher + 3 months EazyDiner Prime. Spend ₹1,00,000 in first 90 days to earn 3,000 bonus points. Limited offer until 31 Dec 2025: Spend ₹25,000 in first 30 days for additional ₹3,999 cashback.	2,500 EDGE miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.
Lounge Access	Domestic: 6 per year | International: 4 per year	Domestic: 2 per quarter | International: 1 per quarter
Reward Rate	Earn 4 reward points per ₹100 (4%) on flights, travel aggregators, and foreign currency transactions. Earn 2 reward points per ₹100 (2%) on all other eligible spends with no cap. bonus 10,000 points on annual spends above ₹12,00,000.	5 EDGE miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE miles per ₹100 on all other spends.
Interest Rate	N/A	3.49% per month (around 42% per annum)
Best For	Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions