HSBC bank
HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a premium travel credit card designed for frequent travelers who want airline miles, hotel rewards, and airport lounge access.
Highlights
Main benefits
- Exclusive privileges at The Bicester Collection.
- 15% off flights, hotel bookings with many platform
- Access to the top golf courses in India
Fees
Fees and charges
Joining fee
₹4,999
Renewal fee
₹4,999
Annual fee waiver
Annual fee waiver on ₹8 lakh yearly spend
Who can apply
Eligibility
•Indian resident citizen •Salaried applicants: age 18–65 years •Self-employed applicants: age 25–65 years •Minimum annual income: ₹6 lakh/year for salaried users, ₹12 lakh/year for self-employed users •Good credit score, preferably 750+ •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.
Checklist
Documents required
•PAN card •Aadhaar/identity proof •Address proof •Latest salary slips or income proof.
Process
How to apply
•Online Application Process through official HSBC TravelOne page. •Offline Application by visiting an HSBC branch.
Value
Reward and cashback structure
Reward rate
4 reward points per ₹100
Cashback
10,000 bonus points on ₹12 lakh annual spend
Good fit
Pros
- Annual fee waiver on ₹8 lakh yearly spend.
- Convert 1 to 1 reward for airmiles or hotel points.
- Complimentary golf rounds and green fee offers
- Premium lifestyle benefits
Watchouts
Cons
- High forex markup fee of around 3.5% + GST.
- Expensive annual fee of ₹4,999 + GST.
- Reward redemption is mostly travel-focused.
- HSBC approval process is considered stricter.
Related
Related cards
FAQs
Common questions
Is HSBC TravelOne a premium travel credit card?
Yes. It is a travel-focused premium card designed for airline miles, hotel rewards, airport lounge access, and travel benefits.
What is the reward rate?
4 reward points per ₹100 on travel and forex spends, 2 reward points per ₹100 on regular eligible spends, Higher rewards on HSBC Rewards Marketplace bookings.
Which airline and hotel partners are supported?
Points can be transferred to: Singapore Airlines KrisFlyer, Qatar Airways, Air India, British Airways, Marriott Bonvoy, Accor and others.
Does it have zero forex markup?
No. The card charges around 3.5% forex markup + GST.
Can reward points be redeemed as cashback?
The card is mainly designed for airline miles and hotel rewards. Travel redemption usually gives better value than cashback redemption.
Is there a fuel surcharge waiver?
Yes. 1% fuel surcharge waiver is available on eligible fuel transactions, usually between ₹400 and ₹4,000.