The HSBC TravelOne Credit Card costs Rs 4,999 a year, waived if you spend Rs 8,00,000 in a year. It earns 2 RP per Rs 100. Accelerated earn: 4 RP per Rs 100 on flights, travel aggregators and foreign-currency transactions. The forex markup is 3.5%. Lounge visits in India: 6 per year. Abroad: 4 per year. Read from the issuer's documents and an aggregator on 31 Oct 2026.
Rs 4,999 joining and annual. Annual fee waived on spend above Rs 8 lakh a year. Aggregator: from 31 Jul 2026 add-on card spend counts, the anniversary year applies and GST is reversed with the waiver.
Rewards
Welcome benefit
On Rs 25,000 spend within 30 days plus mobile app login: Rs 1,000 cashback, Rs 3,000 Postcard Hotels voucher, 3 months EazyDiner Prime. Rs 250 Amazon voucher for online application with video KYC (to 31 Oct 2026).
Reward currency
HSBC Reward Points
Base earn
2 RP per Rs 100
Point value
1 RP = 1 air mile on conversion (issuer page). Rupee value for other redemptions not stated.
Accelerated earn
4 RP per Rs 100 on flights, travel aggregators and foreign-currency transactions
Capsunverified
Issuer: the 2 RP base earn is uncapped; add-on card rewards are capped (figure not stated). Aggregator gives two figures for the accelerated cap without reconciling them: 50,000 points a month on travel and foreign-currency spend, and 18,000 a month on the HSBC travel portal.
Spends that earn nothingunverified
No points on Instant EMI transactions (issuer). Aggregator: no points on fuel, e-wallets, utilities, insurance, jewellery, education and government, tax, money transfers, real estate agents, financial and non-financial institutions, bail and bond payments.
Points expiry
3 years, counted from the end of the calendar month in which earned; oldest points used first
Milestone benefits
10,000 bonus RP when annual spend exceeds Rs 12 lakh
Reward notes
Base return not computed: the issuer gives no rupee value per point. At 1 RP = 1 mile the base is 2 miles per Rs 100 and 4 miles per Rs 100 on travel and forex spend.
Transfers
Partners
Air India Maharaja Club, AirAsia rewards, Air France-KLM Flying Blue, British Airways Club (Avios), Etihad Guest, EVA Air Infinity MileageLands, Hainan Airlines Fortune Wings Club, Japan Airlines JAL Mileage Bank, Singapore Airlines KrisFlyer, Qantas Frequent Flyer, Qatar Airways Privilege Club, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, United MileagePlus, Vietnam Airlines Lotusmiles, Accor ALL, IHG One Rewards, Marriott Bonvoy, Shangri-La Circle, Wyndham Rewards
Ratio
1 RP : 1 mile/point for Air India, Flying Blue, British Airways, Etihad, EVA Air, JAL, KrisFlyer, Qantas, Qatar, Thai, Vietnam Airlines, Accor, IHG, Marriott and Wyndham. 1 RP : 3 AirAsia points. 2 RP : 1 for Hainan, Turkish and United. 5 RP : 1 Shangri-La point. Mostly instant or within 1 working day; Air India and Hainan 5 working days, JAL 10. Minimum transfer sizes are not listed.
Travel and perks
Domestic lounge
6 per year
International lounge
4 per year
Lounge conditionsunverified
No spend condition stated on the product page. Aggregator: international access is via LoungeKey.
Forex markupunverified
3.5%
Fuel surcharge waiverunverified
Conflict: an aggregator says a waiver of up to Rs 250 a month, but HSBC's fuel surcharge waiver page lists only Premier, Visa Platinum and RuPay Platinum as eligible
Other freebies
Golf: 4 complimentary rounds and 12 lessons per calendar year (max 1 a month), 50% off extra rounds. Purchase protection up to US$20,000 a year. 15% off at Yatra, EaseMyTrip, Paytm Travel, Cleartrip, Goibibo; 11% off StayVista; EazyDiner 10% off; AdaniOne duty-free up to 20% off; buy-one-get-one movie tickets twice a month. Aggregator: 4 chauffeur airport transfers added for 2026.
Charges and eligibility
Interest per monthunverified
3.75%
Late payment feeunverified
Aggregator (general HSBC figure, not card-specific): 100% of the minimum payment due, minimum Rs 250, maximum Rs 1,200 per month
Cash advance feeunverified
2.5% min Rs 500
Eligibility
Age 18-65 salaried, 25-65 self-employed. Income Rs 6 lakh+ a year salaried, Rs 12 lakh+ self-employed. Resident in one of 21 listed cities.
Fine-print notes
Product page and the TravelOne rewards page were read; the 20-partner list and ratios are the issuer's. Points expiry and a rupee value per point are not stated on either page. The 3.5% forex markup sits oddly with the 4 RP earn on foreign-currency spend; it is from Card Insider (17 Jul 2026), not HSBC. HSBC's MITC/tariff PDFs and the rewards T&C PDF (https://www.hsbc.bank.in/content/dam/hsbc/in/documents/hsbc-rewards-tcs.pdf) are blocked to automated readers (robots.txt), so interest, late fee and cash advance fee are from aggregators and unverified. Aggregators disagree on interest: Card Insider gives a per-card rate, Paisabazaar says 'up to 3.49% a month' for all HSBC cards.
Questions
What is the annual fee of the HSBC TravelOne Credit Card?
Rs 4,999 a year, before GST. It is waived if you spend Rs 8,00,000 in a year.
Does the HSBC TravelOne Credit Card give airport lounge access?
Yes. In India: 6 per year. Outside India: 4 per year. Conditions: No spend condition stated on the product page. Aggregator: international access is via LoungeKey.
What is the forex markup on the HSBC TravelOne Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HSBC TravelOne Credit Card?
No points on Instant EMI transactions (issuer). Aggregator: no points on fuel, e-wallets, utilities, insurance, jewellery, education and government, tax, money transfers, real estate agents, financial and non-financial institutions, bail and bond payments.