4 from 345 Users
Earn 10,000 Bonus Reward Points
on annual spends exceeding ₹12,00,000
Save up to 15% on Travel Bookings
on flight and hotel bookings with Yatra and EaseMyTrip, and 15% off on flight bookings with Paytm and Cleartrip
Earn 4 Reward Points
for every ₹100 spent on flights, travel aggregators and foreign currency transactions
Dining
Travel
Joining Fees
₹5,899 ( ₹4999 + GST )
₹1,000 cashback, PostCard Hotels voucher worth ₹3,000, and 3 months EazyDiner Prime membership on spending ₹10000 within 30 days of card issuance
Annual Fees
₹5,899 ( ₹4999 + GST )
The annual fee is waived if you spend ₹8 lakh or more in a year on your card, as per bank policy.
Age Criteria
25-65 years
Salary Criteria
6 LPA
Credit Rating*
750+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.20
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Utilities
Education Fees
Government Spends
Wallet Load
Insurance
Jewellery
Rent
Money Transfers
Cash Advances
For Spends Waiver
Fuel
Rent
Insurance
EMI Transactions
Cash Advances
Wallet Load
| Structure | Details |
|---|---|
Forex Markups   3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases | 3.75% |
ATM Withdrawl 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A cash payment fee of ₹100 is charged when payments are made at HSBC branches or drop boxes | ₹100 |
| Late Payment Fees Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹250 |
| ₹251 - ₹500 | ₹500 |
| ₹501 - ₹1200 | ₹1200 |
Are you spending thousands on flights and hotels without getting anything back for your next trip? The HSBC Travel One Credit Card is designed to change that by turning your travel expenses into future adventures.
This card offers a solid reward structure for those who find themselves at airport terminals or booking stays frequently. With 4 reward points for every ₹100 spent on travel and international transactions, you can see your points balance grow quickly. If you spend ₹50,000 monthly on flights or foreign currency, you could be looking at significant value back toward your next vacation.
Designed for professionals earning at least ₹4 lakh annually, this card targets the frequent flyer who values both local and international airport comfort. It bridges the gap between basic shopping cards and high-end luxury travel cards.
What makes it stand out:
Quick check: To qualify, you will need a monthly income of ₹35,000 if you are salaried and a CRIF credit score of at least 750.
Let's break down why this card might be the right fit for your wallet:
The HSBC Travel One Credit Card focuses heavily on travel and lifestyle perks. Here is a detailed look at what you get when you use this card:
When you start using your card, you can access a multi-layered welcome gift. By spending ₹10,000 within the first 30 days of getting the card, you receive ₹1,000 cashback, a Postcard Hotel voucher worth ₹3,000, and a 3-month EazyDiner Prime membership. If you are a heavy spender and reach ₹1,00,000 in transactions within the first 90 days, the bank adds another 3,000 bonus reward points to your account.
The core strength of this card is its accelerated reward rate. You earn 4 reward points for every ₹100 spent on flights, travel aggregators, and foreign currency transactions. Since 1 reward point is worth ₹0.20, this effectively gives you a 0.8% value back on these specific categories. For all other eligible spends, you continue to earn rewards that you can use for your next trip.
Travel becomes much more comfortable with the complimentary lounge program. You get 6 domestic airport lounge visits and 4 international airport lounge visits every year. This is a significant benefit for international travelers, as many cards in this price range often limit visits to domestic terminals only.
Beyond travel, the card offers great value for your weekends. You can get a "Buy 1 Get 1 Free" offer on movie tickets twice every month using the promo code HSBCTOMOV. For food lovers, the card provides exclusive dining offers through Zomato District when you use eligible promo codes, making your meals out more affordable.
The HSBC Travel One Credit Card comes with a joining fee of ₹4,999 and an annual fee of ₹4,999. However, if you use the card for your primary expenses and spend more than ₹8,00,000 in a year, the bank will waive the annual fee for the following year. This makes the card effectively free for high spenders.
You have plenty of flexibility when it comes to using your points. You can redeem them for:
It is important to note that you will not earn rewards on certain types of transactions. These include rent payments, fuel, insurance, EMI transactions, jewelry, school and education fees, government payments, and wallet loads. These transactions also do not count toward the spending milestones for fee waivers or welcome bonuses.
The application process is straightforward and can be completed online. Follow these steps to apply:
Note: You must make a minimum transaction of at least ₹100 within the first 30 days to activate the card and remain eligible for any rewards.
Credit limits are assigned based on your income, credit score, and existing banking relationship. Credit limits typically range between ₹1,00,000 to ₹5,00,000 for applicants meeting the ₹4 lakh income criteria, though higher limits are available for existing HSBC customers. Applicants with a stable income and a CRIF score above 750 receive a competitive limit that aligns with their spending needs. HSBC may review your limit periodically and offer increases based on your repayment history and usage patterns.
| Feature | HSBC Travel One | HDFC Regalia Gold | Axis Atlas | Amex Platinum Travel |
|---|---|---|---|---|
| Annual Fee | ₹4,999 | ₹2,500 | ₹5,000 | ₹5,000 |
| Welcome Benefit | ₹1,000 Cashback + ₹3,000 Hotel Voucher | Vouchers worth ₹2,500 | 5,000 EDGE Miles | 10,000 Membership Rewards |
| Base Reward Rate | 0.8% (on travel/forex) | 1.33% | 2% (in Miles) | 1% to 4% (milestone based) |
| Intl. Lounge Access | 4 Visits/Year | 6 Visits/Year | 8 to 12 Visits/Year | Not Included |
| Fee Waiver Limit | ₹8,00,000 | ₹4,00,000 | Not Available | ₹4,00,000 |
| Winner For | International Lounge & Forex | Mid-range Lifestyle | Frequent Flyers | Milestone Spending |
While the HSBC Travel One has a higher fee waiver requirement of ₹8 lakh compared to HDFC Regalia Gold, it offers a unique combination of international lounge access and a specific focus on foreign currency transactions. It is a better choice if you often find yourself traveling abroad and need a card that supports international lounge visits without needing a high-tier luxury card.
You will need to submit the following documents when applying:
Note: All documents must be self-attested. The bank may request additional documents during verification.
Should you get this card? Here is who benefits most from the HSBC Travel One:
The International Business Traveler: If you are a professional who flies abroad 2-3 times a year for work and spends about ₹20,000 in foreign currency per trip, this card is for you. The 4 international lounge visits and the 4 reward points on forex transactions mean you are earning while you travel and staying comfortable during layovers.
The Weekend Lifestyle Seeker: If you spend ₹10,000 to ₹15,000 a month on dining out and movies, you can maximize this card's BOGO movie offers and Zomato District deals. You could save over ₹6,000 annually just on movie tickets alone.
The High Spender: If your annual lifestyle expenses (excluding rent and fuel) exceed ₹8,00,000, the annual fee is completely waived. This allows you to enjoy all the travel perks for free while accumulating points for your next family vacation.
You might want to skip this card if... your biggest monthly expenses are rent, utility bills, and insurance. Since these categories are excluded from rewards and fee waiver calculations, you would be paying a ₹4,999 annual fee without getting much value back in return.
The HSBC Travel One Credit Card is a specialized tool for a specific type of spender. This card excels at providing international travel comfort for people who aren't ready to pay for ultra-premium cards like the Amex Platinum. The inclusion of 4 international lounge visits is a standout feature for a card with a ₹4,999 fee.
However, the biggest limitation is the steep ₹8 lakh spend requirement for the annual fee waiver. Compared to competitors like HDFC Regalia Gold, which waives the fee at ₹4 lakh, HSBC is asking for double the commitment. Additionally, the reward rate on non-travel categories is not the highest in the market.
Our verdict: Choose this card if you prioritize international lounge access and frequently spend on travel sites or foreign currency. If you are looking for a general-purpose card for utilities and shopping, there are better value options available.
Please keep the following terms in mind when applying for and using the HSBC Travel One Credit Card:
TOP USPs
Earn 10,000 Bonus Reward Points
on annual spends exceeding ₹12,00,000
Save up to 15% on Travel Bookings
on flight and hotel bookings with Yatra and EaseMyTrip, and 15% off on flight bookings with Paytm and Cleartrip
Apply Now