HSBC TravelOne Credit Card

Name: HSBC TravelOne Credit Card
Brand: HSBC India

HSBC India • Flexible miles with 4X points on travel

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TravelOne is HSBC India travel focused card for people who fly a few times a year and do not want to lock into one airline. Points convert instantly in the app to a wide set of airline and hotel partners, mostly at 1 to 1. The high fee waiver means it suits steady high spenders more than occasional users.

Annual Fee (+ 18% GST)₹4,999 (₹5,899 incl. GST)

Fee WaiverAnnual fee waived on spends above ₹8,00,000 in the year

Joining PerkINR1,000 cashback, INR3,000 PostCard voucher and 3 months EazyDiner Prime on app login and INR25,000 spend in 30 days

Primary Reward4 Reward Points per ₹100 on flights, travel aggregators and foreign currency spends; 2 per ₹100 elsewhere

Airport Lounge Access6 Domestic Lounge visits per year plus 4 International Lounge visits per year

Forex Markup3.5% + 18% GST

RuPay UPINo

Best ForFrequent flyers who want flexible airline and hotel points

What We Like

4 points per ₹100 on flights, travel aggregators and forex spends
Instant 1 to 1 conversion to many airline and hotel partners in the app
6 domestic and 4 international lounge visits every year

Watch Out

Annual fee of ₹4,999 needs ₹8,00,000 yearly spend for a waiver
Forex markup of 3.5% is high for heavy overseas spending
No points on fuel, rent, utilities, insurance and education spends

MITC & Hidden Charges

Annual fee ₹4,999 plus 18% GST, total ₹5,899. Currency conversion charge 3.5% on foreign currency transactions plus GST. Cash advance fee 2.5% of amount, minimum ₹500.