HSBC TravelOne Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
Movie and Dining Discounts Via Zomato
Rewards Rate
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Reward Redemption
Transfer RPs to Various Hotel and Airlines Partners at 1:1 Ratio
Travel
Periodic Discount Offers on Travel Platforms (ClearTrip, Yatra, StayVista, and More)
Domestic Lounge Access
Six Free Lounge Visits Each Year
International Lounge Access
Four Free International Airport Lounge Visits Each Year
Golf
Four Golf Rounds and Twelve Golf Lessons Each Year
Insurance Benefits
Purchase Protection Up to $20,000 Each Year
Spend-Based Waiver
Annual Fee is Waived on Spends of ₹8 Lakh Each Year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge
Maximum Waiver of ₹250 Per Month
Cash Advance Charges
2.5% of Transaction Amount (Minimum of ₹500)
- This card comes at a jonning and renewal fee of ₹4,999 + GSn>
- The HSBC TravelOne Credit Card is great for travel-related spending.
- Earn 4 Reward Points/₹100 spent on travel platforms, flights, and international transactions.
- All other eligible spends shall be awarded 2 Reward Points/₹100.
- Reward Points earned with this card can be transferred to 17 hotels and 5 airlines.
Pros
- There are no exclusions for the calculation of spending done for the ₹12 lakh milestone benefit.
- There are many hotels and airlines available to transfer Reward Points.
Cons
- Many users may not fully benefit from the welcome offer, as the ₹3,000 PostCard voucher is only applicable to those staying at PostCard hotels.
- Although this card offers a 4% reward rate for international spending, a 3.5% Forex charge negates those benefits.
Cashback, Vouchers, and More on Joining
To take advantage of the welcome benefits offered with the HSBC TravelOne Credit Card, cardholders need to download and log in to the HSBC India Mobile Banking app and spend ₹10,000 within the first 30 days of opening their credit card account. By doing so, cardholders will be eligible for ₹1,000 cashback, a ₹3,000 PostCard voucher, and a 3-month EazyDiner Prime Membership. However, these welcome benefits may not be considered the best since they do not justify the joining fee and are subject to certain conditions, such as the requirement to spend ₹10,000 within the first 30 days and to download the mobile app.
What You Must Know – The PostCard voucher is only valid for guests who are staying at the hotel during their visit.
Additionally, cardholders can earn 3,000 bonus Reward Points by spending ₹1 lakh within the first 90 days of card setup. However, this spending requirement is relatively high compared to the welcome benefits offered by other cards in the same segment. This is a limited-time offer that is valid till 31 December 2025.
Accelerated Reward Points and More
- 4 Reward Points/₹100 spent on flights, travel aggregators, and transactions made in foreign currency. These accelerated Reward Points are capped at 50,000 points each month, after which a regular reward rate shall be applicable.
- 2 Reward Points/₹100 on all other eligible spends.
Exclusions
No Reward Points shall be earned for the following transactions: bail and bond payments, education and government, e-wallets, financial institutions, fuel, insurance, jewelry, money transfers, non-financial institutions, real estate agents and managers, tax payments, and utilities.
Hotel/Airline Transfer Partners
One of the main USPs of this credit card is the large number of transfer partners it has. Reward Points earned with the HSBC TravelOne Credit Card can be transferred to over 22 hotel and airline partners. Redemptions shall be instant or otherwise completed within a period of one day for most airlines and hotels. Refer to the table given below to check the complete list of available transfer partners.
Airlines
| Airline | Programme | Reward Point Transfer Ratio |
| Air India | Air India Maharaja Club | 1:1 |
| Jet Airways | InterMiles | 1:1 |
| Air Asia | AirAsia Rewards | 1:3 |
| Air Canada | Aeroplan | 1:1 |
| Air France–KLM | Flying Blue | 1:1 |
| British Airways | British Airways Executive Club | 1:1 |
| Etihad Airways | Etihad Guest | 1:1 |
| EVA Air | Infinity MileageLands | 1:1 |
| Hainan Airlines | Hainan Airlines Fortune Wings Club | 1:1 |
| Japan Airlines | JAL Mileage Bank | 1:1 |
| Singapore Airlines | Singapore Airlines Krisflyer | 1:1 |
| Qantas Airways | Qantas Frequent Flyer | 1:1 |
| Qatar Airways | Qatar Airways Privilege Club | 1:1 |
| Thai Airways | Royal Orchid Plus | 1:1 |
| Turkish Airlines | Turkish Airlines Miles&Smiles | 1:1 |
| United Airlines | United MileagePlus | 1:1 |
| Vietnam Airlines | Vietnam Airlines Lotusmiles | 1:1 |
Hotels
| Hotel Groups | Programme | Reward Point Transfer Ratio |
| Accor | ALL – Accor Live Limitless | 1:1 |
| IHG® Hotels & Resorts | IHG One Rewards | 1:1 |
| Marriott International | Marriott Bonvoy | 1:1 |
| Shangri-La | Shangri-La Circle | 1:5 |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 |
Free Airport Lounge Access
Avail complimentary lounge access across domestic and international airports without having to meet any spend-based criteria. TravelOne Card offers six domestic and four international airport lounge visits each year. International airport lounge access is offered via LoungeKey, and the complete list of partner domestic airports can be found here.
10,000 RPs as Milestone Benefit
Cardholders can earn 10,000 Reward Points with the HSBC TravelOne Credit Card on making spends of ₹12 lakh or more in a card anniversary year. Those who have insurance premium payments and other bills can take advantage of this spend-based offer (no regular rewards are earned for insurance payments with the HSBC TravelOne Credit Card). The anniversary year will be considered from the TravelOne Credit Card account open date.
Purchase Protection
HSBC TravelOne Card also has purchase protection offered by Tata AIG through Mastercard. Complete terms regarding the purchase protection plan can be found here.
| Summary of Cover Coverage | Annual Aggregate Limit | Per Occurrence Limit |
| Purchase Protection | ₹16,66,600 | ₹2,49,990 |
HSBC TravelOne Credit Card Review
The HSBC TravelOne Credit Card, as the name suggests, is specifically designed for travel. It is an excellent choice for individuals who frequently travel for work or leisure. However, there are better options available, such as the Axis Atlas Credit Card. For those seeking a wider variety of hotel and airline transfer choices, the HSBC TravelOne card offers a compelling alternative with instant redemptions.
FAQs:
What are the annual charges for the HSBC Travel One Credit Card?
In which city is the HSBC TravelOne Credit Card available?
How can I redeem my Reward Points for partner hotels and airlines?
- 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.