HSBC TravelOne Credit Card
Fees
₹5,000 + Taxes
Joining & annual
Reward Rate
4 reward points per ₹100 on flights, travel aggregators & foreign currency (capped 50,000 points/month); 2 points per ₹100 on other spends
Welcome Bonus
₹1,000 cashback + ₹3,000 PostCard voucher + 3 months EazyDiner Prime on ₹25,000 spend in 30 days
Lounge
4 Domestic + 4 International/yr
Our Expert Take
HSBC TravelOne earns 4 points per ₹100 on flights, travel sites and foreign currency and 2 elsewhere, with instant 1:1 transfers to airline and hotel partners. The welcome offer is ₹1,000 cashback plus a ₹3,000 PostCard voucher on ₹25,000 spend in 30 days.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
4 points per ₹100 on flights, travel sites and foreign currency
Max 50,000 points per month
Reached after about ₹12,50,000 of spend
-
2 points per ₹100 on other spends
No limit
No rewards on: Fuel, utilities (4900), e-wallets, rent, education, government, insurance, jewellery, tax, money transfers
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
- 4 reward points per ₹100 on flights, travel aggregators and foreign currency
- 4 complimentary domestic & 4 international airport lounge visits per year
- 20,000 bonus points on joining fully offsets the ₹5,000 joining fee
Limitations
- ₹5,000 annual fee charged upfront
- 2 reward points per ₹100 on non-travel domestic spends
- High spend requirement (₹6 Lakh) for annual fee waiver
Key Perks & Spending Milestones
4 reward points per ₹100 on flights, travel aggregators and foreign currency
2 reward points per ₹100 on all other spends
Instant transfer of reward points to 16+ airline and hotel partner programs
4 complimentary domestic airport lounge access visits per year
4 complimentary international airport lounge access visits per year via Priority Pass
Comprehensive travel insurance cover up to ₹1 Crore
Spend milestone
Annual fee waived on annual retail spends of ₹6 Lakh
Fees & Charges
Joining fee
₹5,000 + Taxes
Annual fee
₹5,000 + Taxes
Annual fee waived on ₹6 Lakh annual retail spends
Interest rate
3.3% per month (39.6% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹1 Crore
lost card liability
Up to ₹5 Lakh
purchase protection
Nil
emergency medical cover
Up to ₹20 Lakh
Eligibility Criteria
salaried minimum income
₹1 Lakh per month
self employed ITR
₹12 Lakh per annum
age
21 to 65 years
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
How many lounge visits does HSBC TravelOne offer?
Did HSBC TravelOne's welcome benefits change in 2026?
What's unique about TravelOne's transfer partners in 2026?
What's the reward rate on HSBC TravelOne?
Compare HSBC TravelOne Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HSBC TravelOne Credit Card This Card | ₹5,000 + Taxes | 4 reward points per ₹100 on flights, travel aggregators & foreign... | 4 Domestic + 4 International/yr | 4.7/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |