HSBC TravelOne Credit Card
HSBC · Mid-tier
Annual / renewal fee
₹4,999 + GST.
Official source not yet captured
Earn rate
Confirm on the official page
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hsbc.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
The most attainable transferable-miles card in India now that Axis Atlas is closed to new applicants. Reward points convert 1:1 to airline and hotel partners instantly in the HSBC app — so you bank points and pick the airline later.
Best for
- Miles collectors who want transfer flexibility, not a single-airline card.
- Anyone who held or wanted Axis Atlas and needs an open alternative.
- Travellers who book flights and hotels across brands.
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Not ideal for
- Heavy foreign-currency spenders — the 3.5% forex markup is steep for a travel card.
- Eligibility is also restricted to residents of select metro cities.
- Confirm your city qualifies on the official page.
Official source not yet captured
Fees
Joining fee
₹4,999 + GST.
Official source not yet captured
Annual / renewal fee
₹4,999 + GST.
Official source not yet captured
Fee waiver
Annual fee waived on spends of ₹8 lakh in a year.
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Rewards
Flights, travel aggregators & foreign-currency spends
4 Reward Points per ₹100
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All other spends
2 Reward Points per ₹100 (no cap)
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Annual milestone
10,000 bonus Reward Points on spends above ₹12 lakh a year
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Transfers
1 Reward Point = 1 partner point/mile, transferred instantly in-app to airline and hotel partners — confirm the current partner list on the official page
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Plain math
At 1:1 transfers, a Reward Point is worth roughly ₹1 in partner miles. ₹50,000/month of mixed spend earns ~12,000+ points a year — about ₹12,000 in transferable miles, more than twice the fee, before the ₹12 lakh milestone bonus.
Travel & lounge
Lounge access
6 complimentary domestic and 4 international lounge visits per year.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
₹1,000 cashback, a ₹3,000 Postcard Hotels voucher and a 3-month EazyDiner Prime membership — on spending ₹10,000 within 30 days via the HSBC India app.
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Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5%.
Official source not yet captured
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Not published in the official documents on file — see the official T&C link below.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Last reviewed 2026-06-13 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.