HSBC India
HSBC TravelOne Credit Card
Data last verified: 11 October 2026
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Reward rate2% base, up to 4% on foreign spends; 24% only at partner merchants
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- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Fee waiverOn ₹8 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
TravelOne earns 4 reward points per Rs 100 on flights, travel sites and foreign currency spends, and 2 points per Rs 100 on other eligible spends. Book through HSBC's Travel with Points portal and hotels earn up to 6X and flights up to 4X, within a monthly cap of 18,000 points. You also get 6 domestic and 4 international lounge visits, 4 golf rounds and 12 lessons a year.
It costs ₹4,999 a year plus GST and the fee is waived once you spend ₹8 lakh in the card year, with add-on cards counting. There is a welcome bonus of Rs 1,000 cashback and a Rs 3,000 voucher on Rs 10,000 spent in 30 days.
It suits regular travellers. The catch is a 3.5% forex fee, and utilities, fuel, insurance, rent and wallets earn nothing.
Best for: Frequent flyers, People who book hotels online, High spenders who can clear Rs 8 lakh.
01HSBC TravelOne Credit Card Rewards and Benefits
02HSBC TravelOne Credit Card Annual Fee and Charges
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Spend-based waiver
- Annual fee waived on ₹8 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 4%₹200
- ₹15,000 on everything else, earning 2%₹300
- Back each month, ₹6,000 a year₹500
- Annual fee with 18% GST−₹5,899
- In your pocket each year₹101
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Flights · travel aggregators: 4% back, up to ₹50,000 a month
- Foreign spends: 4% back, up to ₹50,000 a month
- Spending ₹66,667 or more a month: the ₹5,899 fee is waived
- Flyers: 10 airport lounge visits a year
Skip it if…
- you spend less than ₹66,667 a month (₹8,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Flights · travel aggregators or foreign spends: the 4% rate applies only there, everything else earns 2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹4,999 annual fee, waived at ₹8 lakh yearly spend
- 4 reward points per ₹100 on flights, travel aggregators and forex
- 2 reward points per ₹100 on other eligible spends
- Up to 6X on hotels and 4X on flights via Travel with Points
- 6 domestic and 4 international lounge visits a year
- 10,000 bonus points at ₹12 lakh yearly spend
- 4 golf rounds and 12 lessons a year
05Pros and Cons
Pros
- Strong rates on travel bookings
- 10 lounge visits a year
- Welcome cashback and voucher cover much of the first fee
- Add-on card spends count towards the waiver
Cons
- 3.5% forex fee eats into the 4X on foreign spends
- No points on utilities, fuel, insurance, rent or wallets
- Portal bonus capped at 18,000 points a month
- ₹8 lakh waiver is a high bar
06How HSBC TravelOne Credit Card earns Rewards
2% base, up to 4% on foreign spends; 24% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 2% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | 2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 24% | ₹18,000, shared with other bonus rates | Only at: HSBC Travel with Points · hotelsTerms: Hotels booked via HSBC's Travel with Points portal (Hopper) earn 6X, 24 pts/₹100; cap 18,000 pts a month SHARED with flights (accelerated-points cap per cardholder per calendar month, verified against the HSBC Rewards T&C, archived 2026-08-07) |
| Travel: flights, hotels, trains, only at listed merchants | 16% | ₹18,000, shared with other bonus rates | Only at: HSBC Travel with Points · flightsTerms: Flights booked via HSBC's Travel with Points portal (Hopper) earn 4X, 16 pts/₹100; cap 18,000 pts a month SHARED with hotels; ₹300 domestic/₹700 international fee per leg. Split, cap and fees verified against the HSBC Rewards T&C, archived 2026-08-07 |
| Travel: flights, hotels, trains, only at listed merchants | 4% | ₹50,000, shared with other bonus rates | Only at: Flights · travel aggregators (airline and travel-agency MCCs)Terms: 4 reward points per ₹100 on flights and travel aggregators (airline + agency MCCs); direct hotel bookings earn the base 2 RP/₹100. Accelerated cap 50,000 pts a month SHARED with forex, confirmed by the dedicated HSBC Rewards T&C (archived 2026-08-07) over the service guide's stray 15,000 |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 4% | ₹50,000, shared with other bonus rates | All merchants in the categoryTerms: 4 reward points per ₹100 on international/forex spends (3.5% forex markup still applies); accelerated cap 50,000 pts a month SHARED with travel, confirmed by the dedicated HSBC Rewards T&C (archived 2026-08-07), superseding the service guide's stray 15,000 figure |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on all other eligible spends (utilities, fuel, insurance, education, government, rent and wallet loads earn nothing)
07HSBC TravelOne Credit Card Lounge Access and Travel
Domestic lounge access is 6 visits a year, international is 4 visits a year. 6 domestic + 4 international airport lounge visits a year. Spending abroad carries a 3.5% forex markup; rewards on it: 4% back. See what it costs on your trip
Also on the card. concierge service, golf privileges, airport lounge access, milestone bonuses.
- Concierge service: 4 chauffeur airport transfers a year (once per quarter) have been reported for 2026 but remain unverified on any HSBC source as of 2026-08-07, confirm with HSBC before counting on this; valued at ₹0 until confirmed
- Golf privileges: 4 complimentary golf rounds + 12 lessons a year (max 1 lesson a month); 50% off additional green fees
- Milestone bonuses: 10,000 bonus reward points on ₹12,00,000 of annual spend (per HSBC's official TravelOne page)
08HSBC TravelOne Credit Card Eligibility and Documents
- Age
- 18 to 65 years
- Minimum monthly income
- ₹50,000
09Recent Changes
What HSBC India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 31 Jul 2026 | Changed: Fee-waiver clause widened, add-on spends count, anniversary year, GST reversedSource: HSBC India | ₹8 lakh on the primary card, measured over the financial year | ₹8 lakh across primary + add-on cards, measured over the card anniversary year |
| 19 Feb 2026 | Changed: 4 chauffeur airport transfers added for 2026 | None | 4 complimentary chauffeur transfers a year (1 per quarter) |
| 20 Aug 2025 | Changed: Travel with Points accelerated rewards addedSource: HSBC India | 4 points/₹100 on travel | Up to 6X hotels / 4X flights via Travel with Points |
| 22 Jan 2025 | Changed: HSBC TravelOne launched in IndiaSource: HSBC India | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to HSBC TravelOne Credit Card
HSBC TravelOne Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HSBC TravelOne Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Rewards | 2% base, up to 4% on foreign spends; 24% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 6 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹4,999 fee waived?
Yes, once you spend ₹8 lakh in the card anniversary year, including add-on card spends. Below that the fee plus GST is charged.
How many lounge visits do I get?
6 domestic and 4 international airport lounge visits a year.
What is the welcome benefit?
₹1,000 cashback and a ₹3,000 voucher on ₹10,000 spent within 30 days, plus 3,000 bonus points on ₹1 lakh in 90 days.
What is the forex markup?
It is 3.5%, so the 4 points per ₹100 on foreign spends is partly offset by the fee.
What is the joining fee for the HSBC TravelOne Credit Card?
The joining fee is ₹4,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HSBC TravelOne Credit Card?
The annual fee is ₹4,999 + GST.
Does the HSBC TravelOne Credit Card give airport lounge access?
Yes. Domestic lounge access is 6 visits a year, international is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HSBC India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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