HSBC TravelOne Credit Card
HSBC
A strong points-transfer travel card for frequent flyers who value flexibility over one loyalty program.
₹4,999
Joining fee
₹4,999, waived at ₹8L spend
Annual fee
Waived if annual spend exceeds Rs 8,00,000 (Rs 4,999 fee).
3%
Forex markup
4.4 / 5
Rating
Eligibility
Estimated minimum income: ₹50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 18–65
Salaried min Rs 6,00,000/year; self-employed min Rs 12,00,000/year, age 25-65; Indian residents only
Restricted to ~20 named metro cities
Lounge access
Per Year: 6
Condition: no minimum spend per aggregator
Per Year: 4
Key features
- 4 pts/₹100 on flights/travel aggregators/forex spends
- 2 pts/₹100 elsewhere, no cap
- Instant transfer to airline miles/hotel points
- 10,000 bonus points at ₹12L annual spend
Reward details
2 reward points per Rs 100 on everything else, no cap (official)
- 4 reward points per Rs 100 (official); Paisabazaar instead describes a 3-tier structure: up to 6X (12 points/Rs100) via HSBC's own travel marketplace, 2X (4 points/Rs100) on flights/travel aggregators, 1X (2 points/Rs100) on other spend on Flights, travel aggregators, foreign currency spend — Paisabazaar cites a 50,000-point/month cap on the 2X tier
- Rs 12,00,000/year spend: 10,000 bonus points
Redemption
Instant 1:1 conversion of points to airline miles via mobile app (official)
Ratio: 1 point = 1 air mile or hotel point, varies by partner (aggregator)
- Purchase protection up to USD 20,000/year; 15% discounts on travel bookings via Yatra/EaseMyTrip/Paytm/Cleartrip; 4 complimentary golf rounds annually; up to 30% dining discount via EazyDiner
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated travel rewards described as up to '12% value-back' on travel category spend; strong discount tie-ups (up to 15% off) across popular travel platforms — Paisabazaar
Complaints
- Forex mark-up of 3.5% flagged by the aggregator itself as high for a card positioned around travel; welcome/milestone benefits are spend-conditional rather than automatic — Paisabazaar
Sources
- Official — fees, eligibility, lounge, rewards
- Aggregator — forex, rewards, sentiment