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HSBC TravelOne Credit Card
HSBC

HSBC TravelOne Credit Card

Transfer points to 20 airline & hotel partners

Joining fee₹4,999 + GST
Annual fee₹4,999 + GST
NetworkMastercard
Forex markup3.5%
LoungeYes
Best forTravel
Apply on issuer site Compare
Details checked October 2026

01Rewards

Flights, travel aggregators & international spends4 points per ₹100 (capped at 50,000/month)
Hotels / flights on HSBC Travel with Points24 / 16 points per ₹100 (capped at 18,000/month)
Other spends2 points per ₹100

Redemption: Transfer to 15 airlines and 5 hotel programmes (mostly 1:1), including Accor ALL.

02Fees, benefits & charges

Fee waiver
Fee reversed on ₹8 lakh annual spend
Welcome benefit
Benefits worth ~₹4,000 on ₹25,000 spend within 30 days
Milestones
10,000 bonus points on ₹12 lakh annual spend
Airport lounges
6 domestic + 4 international visits a year
Forex markup
3.5% (waived under an HSBC offer until 31 Oct 2026)
Fuel
No rewards on fuel
No rewards on
Utilities, fuel, insurance, education, government, rent, wallet loads

03Highlights & watch-outs

Highlights

  • One of the widest transfer-partner lists in India
  • Instant 1:1 transfers to most partners
  • Lounge access without spend conditions

Watch out for

  • No points on utilities and insurance
  • Standard 3.5% forex after the offer
  • Fee waiver needs ₹8 lakh

Suits: Points collectors who redeem for flights and hotel nights.

04FAQs

What is the annual fee of the HSBC TravelOne Credit Card?
The annual fee is ₹4,999 + GST, and the joining fee is ₹4,999 + GST. Fee reversed on ₹8 lakh annual spend
Does the HSBC TravelOne Credit Card offer airport lounge access?
6 domestic + 4 international visits a year
What is the forex markup on the HSBC TravelOne Credit Card?
The foreign currency markup is 3.5% (waived under an HSBC offer until 31 Oct 2026).
Which spends don’t earn rewards on the HSBC TravelOne Credit Card?
Utilities, fuel, insurance, education, government, rent, wallet loads.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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