Mastercard 📡 Contactless NFC

HSBC TravelOne Credit Card

Joining Fee₹4,999

Annual Fee₹4,999

Forex Markup 3.5%

Apply & Earn ₹800 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent travelers wanting seamless real-time point conversions to 20+ global airline/hotel partners, 6 domestic + 4 international lounge visits, and travel booking discounts.

Who Should Avoid

Users who do not travel or those who prefer simple cash credit over airline miles.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹800 directly upon successful card approval.

Claim ₹800 & Apply →

🎉

Joining & Activation Welcome Gift

₹1,000 cashback + ₹3,000 Postcard Hotel voucher + 3 months EazyDiner Prime + 3,000 bonus points on spending ₹10,000 in first 30 days

4 Reward Points on Travel & Forex

Earn 4 Reward Points per ₹100 (4% valueback) on flights, travel aggregators, and foreign currency transactions.

Domestic & International Airport Lounge Access

6 complimentary domestic and 4 complimentary international airport lounge visits per calendar year via Priority Pass.

Instant Multi-Airline & Hotel Point Transfers

Instant point transfer capability to 20+ leading global airline frequent flyer and hotel loyalty partner programs.

💰 Reward Structure & Point Valuation

1 TravelOne Reward Points = ₹1

Standard Base Earning

2 Reward Points per ₹100 spent on all other retail transactions (2.0% return; 1 RP = 1 Partner Air Mile / Hotel Point)

Accelerated / Partner Rate

4 Reward Points per ₹100 (4.0% return) on direct airline bookings, travel aggregators (MakeMyTrip, EaseMyTrip, Yatra), and foreign currency spends (capped at 50,000 points/month); 10,000 bonus points on ₹12L annual spend; Buy 1 Get 1 free on movie tickets (up to ₹200 twice a month)

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: 1:1 Instant Air Mile Transfers (Singapore KrisFlyer, British Airways, Air France/KLM, Etihad, EVA Air, Qantas), 1:1 Hotel Loyalty Transfers (Marriott Bonvoy, Wyndham Rewards, IHG), Travel with Points Bookings via HSBC India Mobile App

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Insurance Utilities Education Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits6 complimentary domestic airport lounge visits per calendar year

🌐

International Lounge Visits4 complimentary international airport lounge visits per calendar year via Priority Pass

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Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹800,000/yr

Annual renewal fee of ₹4,999 + GST is waived off on spending ₹8,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit25 - 65 Years

Min. Monthly Income₹35,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.75% per month (45.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the HSBC TravelOne Credit Card

Annual Fee: ₹4,999/yr (Waivable)

Apply & Claim ₹800 →

Personalized Card Matcher

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Frequently Asked Questions

No, HSBC TravelOne Credit Card has a joining fee of ₹4999 and an annual renewal fee of ₹4999 (plus applicable taxes).

HSBC TravelOne Credit Card ₹4,999/yr