HSBC TravelOne Credit Card – Benefits, Fees & Eligibility

Introduction

The HSBC TravelOne Credit Card, issued by HSBC, is positioned as a premium, travel-focused credit card designed to unlock a world of travel freedom. It offers instant reward redemption with an extensive selection of airline and hotel partners, accelerated reward points on travel and foreign currency transactions, and a suite of travel privileges including complimentary airport lounge visits and chauffeur-driven airport transfers. Cardholders can enjoy benefits worth up to INR1.6 lakhs a year.

Welcome Benefits

• Download and log on to the HSBC India Mobile Banking app and spend INR10,000 within the first 30 days of opening your credit card account to receive:
  • INR1,000 cashback.
  • INR3,000 PostCard voucher.
  • 3 months' EazyDiner Prime Membership.
• The PostCard voucher is only valid for guests who are staying at the PostCard hotel during their visit.
• Additionally, get 3,000 bonus reward points when you spend INR1,00,000 in the first 90 days.

Fees

• Joining Fee: INR4,999 + GST.
• Renewal Fee: INR4,999 + GST.
• Spend-Based Waiver: The annual fee is waived if you spend more than INR8,00,000 a year.
• Rewards Redemption Fee: Not applicable.
• Foreign Currency Markup: 3.5%.
• Interest Rates: 3.75% per month (45% per annum).
• Fuel Surcharge Waiver: Maximum waiver of INR250 per month.
• Cash Advance Charges: 2.5% of the transaction amount (minimum of INR500).

Rewards

Reward Point Earning

• Earn 4 reward points for every INR100 spent on flights, travel aggregators, and foreign currency transactions.
  • This accelerated earn rate is capped at 50,000 reward points a month, after which it reverts to the regular earn rate of 2 reward points per INR100.
  • Accelerated categories include specific MCC codes for Airlines (e.g., 3000-3069, 4511) and Travel aggregators (4722, 4723).
• Earn 2 reward points for every INR100 spent on all other eligible transactions, with no cap.
• HSBC Rewards Marketplace:
  • Earn 6X (24 Points per INR100) on Hotels.
  • Earn 4X (16 Points per INR100) on Flights.
  • Earn 2X (8 Points per INR100) on Car Rentals.
  • Accelerated reward points from the Marketplace are capped at 18,000 points per cardholder per calendar month.
• Milestone Benefit: Earn 10,000 bonus reward points when you spend more than INR12,00,000 in a card anniversary year. There are no exclusions for the calculation of spending done for this milestone benefit.
• Spending on add-on cards is eligible for reward points, with the cap calculated by considering the cumulative rewards earned across primary and add-on cards.

Reward Exclusions

• No reward points are earned on spending in the following categories: bail and bond payments, education and government, e-wallets, financial institutions, fuel, insurance, jewellery, money transfers, non-financial institutions, real estate agent and managers, tax payments, and utilities.

Travel Privileges

• Airport Lounge Access:
  • Enjoy 6 complimentary domestic airport lounge visits every year.
  • Enjoy 4 complimentary international airport lounge visits every year via LoungeKey.
• Chauffeur-Driven Airport Transfers: Enjoy 4 complimentary chauffeur-driven airport transfers a year (to or from domestic airports only; maximum 1 per quarter). This benefit is available at select domestic locations in a Toyota Hycross or similar premium SUV and is valid until December 31, 2026.
• Travel Discounts:
  • Save 15% on domestic and international holiday bookings at Yatra, EaseMyTrip, PayTM Travel, and ClearTrip.
  • Save 11% on hotel bookings with StayVista (maximum 2 bookings per card per year; maximum saving per booking INR3,000).
  • Save up to 15% on international and domestic flights, hotels, and homestays when booking through the Goibibo app or website.
• Duty-Free Shopping: Save up to 20% at select duty-free stores in India (e.g., AdaniOne: 20% off up to INR3,000 on spends of INR8,000 or more, once per card per year).

Lifestyle & Entertainment

• Dining & Events: Enjoy discounts on movies, events, and dining with the Zomato app (District app by Zomato: up to 10% off events with promo code HSBCTOEVENTS, and dining with promo code HSBCTODINING).
• Movies: Buy 1 movie ticket and get 1 free twice a month with promo code HSBCTOMOV (up to INR200).
• Golf: Enjoy 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (maximum 1 per calendar month). Plus, get 50% off your green fees for additional rounds (Mastercard World Platform benefits).
• Exclusive Privileges: Enjoy exclusive privileges at The Bicester Collection Villages, including eVIP pass discounts, hands-free shopping, sale events, and reserved parking.

Insurance

• Get up to USD20,000 purchase protection every year, offered by Tata AIG through Mastercard.
  • Annual Aggregate Limit: INR16,66,600.
  • Per Occurrence Limit: INR2,49,990.

Rewards Redemption Guide

• The HSBC TravelOne Credit Card is the first HSBC credit card to offer instant redemptions with an extensive selection of airline and hotel partners, all within the convenience of your mobile app.
• Instantly convert Reward points to Air Miles at a 1:1 ratio in the app.
• Reward Points earned with this card can be transferred to over 20 hotel and airline partners. Redemptions are instant or otherwise completed within a period of one day for most airlines and hotels.
• Steps to redeem Reward Points:
  • Log in to the HSBC India app and select your TravelOne card.
  • Tap on ‘View More’ and then select ‘Redeem Points.’
  • Tap ‘Redeem Points Now’ to access the Rewards Marketplace.
  • Choose the category you want and fill in the requested details.
  • Enter the number of points you wish to redeem and tap ‘Continue.’
  • Review and accept the HSBC Rewards Programme Terms and Conditions, then tap ‘Continue.’
  • Review your request and place your order.

Airline Transfer Partners

• 1:1 Transfer Ratio:
  • Air India (Air India Maharaja Club)
  • Air France-KLM (Flying Blue)
  • British Airways (British Airways Executive Club)
  • Etihad Airways (Etihad Guest)
  • EVA Air (Infinity MileageLands)
  • Hainan Airlines (Hainan Airlines Fortune Wings Club)
  • Japan Airlines (JAL Mileage Bank)
  • Singapore Airlines (Singapore Airlines Krisflyer)
  • Qantas Airways (Qantas Frequent Flyer)
  • Qatar Airways (Qatar Airways Privilege Club)
  • Thai Airways (Royal Orchid Plus)
  • Vietnam Airlines (Vietnam Airlines Lotusmiles)
• Other Transfer Ratios:
  • Air Asia (AirAsia Rewards): 1:3
  • Turkish Airlines (Turkish Airlines Miles&Smiles): 2:1
  • United Airlines (United MileagePlus): 2:1

Hotel Transfer Partners

• 1:1 Transfer Ratio:
  • Accor (ALL - Accor Live Limitless)
  • IHG® Hotels & Resorts (IHG One Rewards)
  • Marriott International (Marriott Bonvoy)
  • Wyndham Hotels & Resorts (Wyndham Rewards)
• Other Transfer Ratios:
  • Shangri-La (Shangri-La Circle): 5:1

Card Eligibility Criteria

• Age:
  • 18 to 65 years old for salaried individuals.
  • 25 to 65 years old for self-employed individuals.
• Minimum Income:
  • INR6,00,000 per year for salaried individuals.
  • INR12,00,000 per year for self-employed individuals.
• Residency: Must be an Indian resident.
• Cities: Must reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow or Nagpur.

Documents Required

• The latest salary slip, if you're a salaried employee.
• Proof of residence.
• Identity proof.
• Permanent Account Number (PAN) card.
• Additional documents may be requested during the credit card application process.

Card Review

The HSBC TravelOne Credit Card is specifically designed for travel and is an excellent choice for individuals who frequently travel for work or leisure. It offers a compelling alternative for those seeking a wide variety of hotel and airline transfer choices with instant redemptions.

Pros

• There are no exclusions for the calculation of spending done for the INR12 lakh milestone benefit, allowing insurance premium payments and other bills to contribute.
• A large number of hotel and airline partners are available for Reward Point transfers.
• Offers instant reward redemptions.

Cons

• The INR3,000 PostCard voucher welcome benefit may not fully benefit all users, as it is only applicable to those staying at PostCard hotels.
• While the card offers a 4% reward rate for international spending, the 3.5% Foreign Currency Markup significantly negates these benefits.

Important Product Details

• The card comes with a joining and renewal fee of INR4,999 + GST.
• It is great for travel-related spending, offering a strong reward rate for flights, travel platforms, and international transactions.
• Earn 4 Reward Points for every INR100 spent on travel platforms, flights, and international transactions, and 2 Reward Points for every INR100 on all other eligible spends.
• Reward Points earned with this card can be transferred to over 20 hotel and airline partners at competitive ratios, with instant redemption options.
• Cardholders can enjoy benefits worth up to INR1.6 lakhs a year.
• Includes 6 complimentary domestic and 4 complimentary international airport lounge visits each year.
• Offers 4 complimentary chauffeur-driven airport transfers per year.
• Provides purchase protection up to USD20,000 each year.
• Features Buy One Get One (BOGO) offers on movie tickets and discounts on dining/events via the District by Zomato app.
• Includes access to 4 complimentary golf rounds and 12 golf lessons per calendar year.

Other Details

• HSBC Instalment Plans allow you to spread the cost of your purchases across a term to suit you.
• Applying online and completing your application with video self-verification makes you eligible for an Amazon eGift Voucher worth INR250. This offer is valid from January 1, 2026, to March 31, 2026. The eGift Voucher (WinPin code) will be sent to your email ID within 45 days of the offer end (i.e., by May 15, 2026) and is valid for 6 months from the date of issuance.
• The card is part of the Mastercard World Platform, offering additional benefits.
• All benefits and offers are subject to specific terms and conditions, which are available in detailed PDF documents linked on the bank's website.