HSBC TravelOne Credit Card
Fees
₹5,000 + Taxes
Joining & AnnualReward Rate
4 reward points per ₹150 on foreign currency & travel; 2 points per ₹150 on local spend
Welcome Bonus
20,000 bonus reward points on payment of joining fee
Lounge Access
4 Domestic + 4 International/yr
FindMyCard Expert Take
HSBC TravelOne's 20,000-point welcome bonus alone covers the ₹5,000 joining fee, and instant transfers to 16+ airline and hotel partners including Singapore KrisFlyer give it real flexibility for travel redemptions. It's a solid, no-frills travel card once you look past the modest 4 points per ₹150 base earn rate.
Pros & Cons
Key Advantages
- Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
- 4 reward points per ₹150 on foreign currency and travel transactions
- 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 ₹150 on non-travel domestic spends
- High spend requirement (₹6 Lakh) for annual fee waiver
Editorial Verdict
The HSBC TravelOne Credit Card is ideally suited for instant airline & hotel loyalty transfers globally. If you want 4 reward points per ₹150 on foreign currency & travel; 2 points per ₹150 on local spend, this card delivers real value. The ₹5,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
4 reward points per ₹150 spent on foreign currency, flight, and hotel transactions
2 reward points per ₹150 spent on all other domestic retail purchases
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
🚀 Milestone Spends Timeline
Annual fee waived on annual retail spends of ₹6 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹5,000 + Taxes
💡 Annual fee waived on ₹6 Lakh annual retail spends
Regular Interest Charges
3.3% per month (39.6% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 ₹150 on foreign currency & travel; 2 points... | 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 |