HSBC India
Signature · TravelOne
HSBC TravelOne Credit Card
HSBC India
Earn big on travel — at home and abroad
Annual Fee
₹4,999
Joining Fee
₹4,999
Reward Rate
0.5%
Forex Markup
2%
Value Analysis
Annual Net Value
₹19,101
Total Annual Benefits
₹25,000
Total Annual Charges
₹5,899
ROI
424%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
5X Reward Points on Travel
Earn 5X reward points on all travel bookings including flights, hotels, and travel agencies
- • Flights, hotels, travel agencies, car rentals
5X RP
3X Reward Points on International Spends
Earn 3X reward points on all international transactions
- • All international retail transactions
3X RP
Reward Points (1)
2X Reward Points on Other Spends
Earn 2 reward points per ₹100 on all other purchases
- • Excludes cash advances and quasi-cash
2 RP per ₹100
Airport Lounge Access (1)
Airport Lounge Access
8 domestic and 4 international airport lounge visits per year
- • 8 domestic + 4 international visits per year
12 visits/year
₹30,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
HSBC Reward Points
5X travel, 3X international, 2 RP per ₹100 other
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Transfer to airline and hotel partners
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Bonus Categories
Travel
5x multiplier
5X reward points on travel
International
3x multiplier
3X reward points on international spends
Others
2x multiplier
2 reward points per ₹100 on other spends
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
15,000 bonus reward points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
15,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹4,999 Excluding GST |
| Annual Fee | ₹4,999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.15%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹9 Lakh p.a.
- • Subject to credit assessment
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹5.0 L
Report within 48h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹2.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹15 Lakh
- • Purchase protection: ₹2 Lakh for 90 days
Airport Lounge Access
Domestic
8 visits/year
8 per year
~₹2,500/visit
International
4 visits/year
4 per year via Priority Pass
~₹4,000/visit
Priority Pass Visa Airport Companion
- • 8 complimentary domestic lounge visits per year
- • 4 complimentary international lounge visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Low forex markup at 2% Priority Pass membership included Comprehensive travel insurance HSBC mobile app and internet banking
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HSBC TravelOne Credit Card is a premium travel card offering 5X reward points on travel bookings and 3X on international spends. With complimentar...
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