HSBC India TravelOne Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

First-year fee

₹4,999 to join.

Annual fee

Afterwards, the annual fee is ₹4,999, or free if you spend more than ₹800,000 a year.

What it gives back

2 reward points per ₹100 · everyday spends

Read from 6 HSBC India documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹4,999 annual fee: of the 273 other open cards whose annual fee we have read, 235 state a lower one, 9 state the same and 29 state a higher one.

Changed on 2026-10-09: dining benefit is now 10% off your bill (up to INR1,000) with EazyDiner — see what changed

Fees

Annual fee
Afterwards, the annual fee is ₹4,999, or free if you spend more than ₹800,000 a year.
Joining fee
₹4,999 to join.
Fee waiver rule
Annual fee is free if you spend more than ₹800,000 a year.

Welcome offer

Welcome benefit
Download and log on to the HSBC India Mobile Banking app and spend ₹25,000 within the first 30 days of opening your credit card account to get: · ₹1,000 cashback · ₹3,000 PostCard voucher

Rewards

Reward rate
2 reward points per ₹100 · everyday spends2 reward points for every ₹100 spent on anything else, with no cap.
Reward earning on international spends
4 reward points for every ₹100 spent in foreign currency.
Travel earning
4 reward points for every ₹100 spent on flights, travel aggregators and in foreign currency.
Redeeming points for travel
Instant miles and hotel points redemption across major airline and hotel partners.
Airline and hotel partners points may move to
Instantly convert Reward points to Air Miles 1 to 1 in the app.

Card benefits

Domestic lounge access
6 local and 4 international airport lounge visits every year.
Hotel or travel programme
Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip.
Dining programme
10% off your bill (up to ₹1,000) with EazyDiner
Golf
4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month)
Milestone benefits
10,000 bonus reward points when you spend more than ₹1,200,000 a year.
Movie or entertainment ticket benefit
Buy 1 movie ticket and get 1 free twice a month with the District app by Zomato.
Movies and entertainment
Discounts on movies, events and dining with the Zomato app; up to 10% off events with promo code HSBCTOEVENTS, and dining with promo code HSBCTODINING

Also included

Purchase protection
Up to USD20,000 purchase protection every year
Purchase to EMI conversion
Spread the cost of your purchases across a term to suit you.

Charges

Cash advance fee
2.5% of transaction amount (subject to a minimum amount of ₹500)
Interest on unpaid balance
3.75% per month (45% per annum), computed from the date of transaction.
Interest-free period
Free credit period is up to 45 days
Late payment fee
100% of the Minimum Payment Due (MPD), subject to a minimum of ₹250 and a maximum of ₹1,200 per month

Eligibility

Income requirement
Minimum income of ₹600,000 per year for salaried individuals or ₹12,00,000 per year for self-employed individuals
Minimum age
Be aged between 18 to 65 years old for salaried individuals, or 25 to 65 years old for self-employed individuals.
Documents required
The latest salary slip, if you're a salaried employee, AND proof of residence, identity proof, and your permanent account number (PAN) card; additional documents may be requested from you during the credit card application process.
Residency
Be an Indian resident. Reside in Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum.

Transfer partners

In the terms, not the brochure (1)

What must be paid with the card for the cover to apply
The Insurer will pay for loss of Covered Purchases due to Accidental Damage or Theft within the Territory, occurring within one hundred eighty days (180) days from the date of purchase; a copy of purchase receipt showing payment of the item was made entirely with the Eligible Card

How we know - 6 documents from HSBC India, checked 19 Oct 2026

6 documents from HSBC India, checked 19 Oct 2026.

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