HSBC India TravelOne Credit Card
HSBC India
Annual / renewal fee
₹4,999 (Waived off only if the minimum spends on the primary card is more than ₹800,000 in the FY for which the annual fee is charged).
VerifiedHSBC Credit Card MITC (Most Important Terms & Conditions)4 Aug 2026, 8:15 AM ISTHSBC India
Earn rate
- Earn 2 reward points for every ₹100 spent.
- Earn 2X (4 reward points per ₹100) on Airlines, Travel Agencies and Foreign Currency spends, capped at 50,000 accelerated reward points per calendar month.
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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
TravelOne Credit Card by HSBC India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹4,999 (joining fee for TravelOne Primary Cardholder; NIL for add-on cardholder).
VerifiedHSBC Credit Card MITC (Most Important Terms & Conditions)4 Aug 2026, 8:15 AM ISTHSBC India
Annual / renewal fee
₹4,999 (Waived off only if the minimum spends on the primary card is more than ₹800,000 in the FY for which the annual fee is charged).
VerifiedHSBC Credit Card MITC (Most Important Terms & Conditions)4 Aug 2026, 8:15 AM ISTHSBC India
Fee waiver
Annual fee of ₹4,999 (including applicable GST) is fully reversed if total eligible spend across primary and add-on cards during the relevant anniversary year exceeds ₹800,000.
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Rewards
- Earn 2 reward points for every ₹100 spent.
- Earn 2X (4 reward points per ₹100) on Airlines, Travel Agencies and Foreign Currency spends, capped at 50,000 accelerated reward points per calendar month.
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Redemption value
- 1 Reward Point = ₹1 if redeemed on Apple/Travel with Points.
- 1:1 redemption on leading Airlines/Hotels/Travel Partners.
- ₹50 handling charge debited for delivery of goods and services on redemption.
- On voluntary card closure, reward points can be redeemed within one month of closure or they lapse.
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Reward cap
- Accelerated 2X reward points on Airlines, Travel Agencies and Foreign Currency spends are capped at 50,000 reward points per calendar month.
- Beyond the cap, points earn at the regular rate of 2 per ₹100.
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Reward exclusion
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Travel & lounge
Lounge access
6 complimentary domestic lounge visits and 4 complimentary international lounge visits in a year (for Primary along with Add-on Cardmembers).
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Hotel benefit
StayVista: 11% discount up to ₹3,000 on hotel bookings made on www.stayvista.com using HSBC TravelOne Credit Card, twice per card per calendar year (no minimum booking amount; valid on all StayVista properties in India, room tariff only).
VerifiedTravelOne Credit Card product page4 Aug 2026, 8:15 AM ISTHSBC India
Travel benefit
- Flat 15% instant discount up to ₹5,000 on travel bookings across partner platforms using HSBC TravelOne: Yatra, EaseMyTrip, Paytm Flights, Cleartrip, Goibibo (domestic flights/hotels up to ₹3,000; international flights/hotels up to ₹5,000).
- StayVista 11% discount up to ₹3,000 (twice per card per calendar year).
- AdaniOne 20% off up to ₹3,000 duty-free on min order ₹8,000 (once per card per year).
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
On opening a new TravelOne card, downloading HSBC India Mobile app, and using the card for transactions of at least ₹25,000 within first 30 days of account opening: Cashback of ₹1,000 + a voucher worth ₹3,000 from Postcard Hotels + EazyDiner Prime membership for 3 months (Offer Period 1 July 2026 to 31 December 2026).
VerifiedTravelOne Credit Card – Introductory Offer Terms & Conditions4 Aug 2026, 8:15 AM ISTHSBC India
Dining benefit
- EazyDiner offer on TravelOne (cards starting 517782): 10% off up to ₹1,000 on minimum bill value of ₹3,000 (code HSBCTODINING), once per card per calendar month, paid via Payeazy.
- Zomato Dining 10% discount up to ₹1,000 once per card per calendar month.
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Insurance
- Purchase Protection (via Tata AIG through Mastercard): covers loss of covered purchases due to Accidental Damage or Theft within 180 days from date of purchase.
- Annual Aggregate Limit ₹16,66,600, Per Occurrence Limit ₹2,49,990.
- Also Lost Card Liability: nil liability after reporting.
- Covered for misuse up to 24 hours before reporting for up to ₹300,000 (via ICICI Lombard).
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Milestone benefit
Cardholders who make Net Eligible spend of ₹12,00,000 in an anniversary year on their TravelOne Credit Card will be eligible for additional 10,000 reward points (anniversary year considered from account open date).
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Eligibility
Eligibility
- Offer applicable to new HSBC TravelOne Primary Credit Cardholders.
- Issuance at sole discretion of the Bank subject to internal approval norms.
- Limited to cardholders with updated KYC.
VerifiedTravelOne Credit Card – Introductory Offer Terms & Conditions4 Aug 2026, 8:15 AM ISTHSBC India
Charges & interest
Forex markup
Currency conversion charge: 3.5% of transaction value on foreign currency transactions.
VerifiedHSBC Credit Card MITC (Most Important Terms & Conditions)4 Aug 2026, 8:15 AM ISTHSBC India
Charge
- Finance charge on extended credit and cash advances: 3.75% per month (45% p.a.) from date of transaction.
- Cash advance transaction fee: 2.5% of amount (min ₹500).
- Cash withdrawal against bank account at ATMs: ₹100 at ATMs overseas.
- NIL at non-HSBC ATMs in India.
- Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month (charged if minimum amount due not credited within 3 days of payment due date).
- Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + applicable GST.
- Bounced cheque / dishonoured SI / unsuccessful NACH: ₹500.
- Currency conversion charge: 3.5%.
- Cash payment charge: ₹100 (at HSBC Branches and Dropboxes).
- Rental and related payments: 1% processing fee plus applicable taxes.
- Balance transfer charges: Rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum ₹200.
- Add-on card fee: NIL.
Verifiedharvested from product page4 Aug 2026, 8:15 AM ISTHSBC India
Fuel surcharge waiver
- Fuel Surcharge Waiver: 1% of fuel transaction value.
- Waiver applicable if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (inclusive of both amounts and excluding the surcharge amount).
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Interest-free period
Up to 45 days free credit period on purchases (not valid if any balance of the previous month's bill is outstanding; not applicable for cash advance transactions).
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the TravelOne Credit Card?
Officially traced: Rs. 4,999 (Waived off only if the minimum spends on the primary card is more than Rs. 800,000 in the FY for which the annual fee is charged).
HSBC Credit Card MITC (Most Important Terms & Conditions)What is the joining fee on the TravelOne Credit Card?
Officially traced: Rs.4,999 (joining fee for TravelOne Primary Cardholder.
HSBC Credit Card MITC (Most Important Terms & Conditions)Is the TravelOne Credit Card annual fee ever waived?
Annual fee of Rs.4,999 (including applicable GST) is fully reversed if total eligible spend across primary and add-on cards during the relevant anniversary year exceeds Rs.800,000.
harvested from product pageHow does the TravelOne Credit Card earn rewards?
Earn 2 reward points for every Rs. 100 spent.
harvested from product pageWhat lounge access does the TravelOne Credit Card include?
6 complimentary domestic lounge visits and 4 complimentary international lounge visits in a year (for Primary along with Add-on Cardmembers).
harvested from product pageWhat welcome benefit does the TravelOne Credit Card offer?
On opening a new TravelOne card, downloading HSBC India Mobile app, and using the card for transactions of at least Rs. 25,000 within first 30 days of account opening: Cashback of Rs. 1,000 + a voucher worth Rs. 3,000 from Postcard Hotels.
TravelOne Credit Card – Introductory Offer Terms & ConditionsWhat are the transfer ratios for TravelOne Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hsbc.co.in/credit-cards/products/travelone/.
VerifiedTravelOne Credit Card product page4 Aug 2026, 8:15 AM ISTHSBC India
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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