HSBC TravelOne

Product Overview

HSBC TravelOne Credit Card is a premium travel-focused credit card designed for frequent travelers who want to earn reward points, convert them into airline miles and hotel loyalty points, and enjoy airport lounge access along with travel privileges. One of its key highlights is the instant 1:1 reward points transfer to multiple airline and hotel partners.

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 18–65 years (Salaried)

✔️ Age: 25–65 years (Self-Employed)

✔️ Minimum Annual Income:

₹6,00,000 for Salaried Individuals
₹12,00,000 for Self-Employed Individuals

✔️ Good CIBIL Score (750+ preferred)

✔️ Must meet HSBC's internal credit assessment criteria

Features and Benefits

✔️ Earn 4 Reward Points per ₹100 spent on flights, travel aggregators, and foreign currency transactions (subject to monthly cap)

✔️ Earn 2 Reward Points per ₹100 on all other eligible spends

✔️ Instant 1:1 conversion of reward points into air miles and hotel loyalty points

✔️ Welcome Benefit: 3,000 Bonus Reward Points on spending ₹1 lakh within the first 90 days (offer terms apply)

✔️ Additional Welcome Offers including ₹1,000 cashback, Postcard Hotel voucher and EazyDiner membership (as per ongoing offer terms)

✔️ 6 Complimentary Domestic Airport Lounge Visits per year

✔️ 4 Complimentary International Airport Lounge Visits per year

✔️ Up to 15% discount on travel bookings through selected travel partners such as Yatra, EaseMyTrip, Cleartrip and Paytm Travel (offer terms apply)

✔️ Complimentary airport transfer benefits and duty-free offers on eligible transactions

✔️ Milestone Benefit: 10,000 Bonus Reward Points on annual spends above ₹12 lakh

Fees & Charges

✔️ Joining Fee: ₹4,999 + GST

✔️ Annual Fee: ₹4,999 + GST

✔️ Annual Fee Waiver: On annual spends above ₹8,00,000

✔️ Finance Charges: Up to 3.75% per month (45% p.a.)

✔️ Forex Markup: 3.5%

✔️ Late Payment Charges: As per HSBC policy

✔️ Cash Withdrawal Charges: As applicable by HSBC

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slips / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What is the annual fee of HSBC TravelOne Credit Card?
Ans. The joining and annual fee is ₹4,999 + GST.

Q2. Can the annual fee be waived?
Ans. Yes, the annual fee is waived if annual spending exceeds ₹8 lakh.

Q3. Does HSBC TravelOne provide airport lounge access?
Ans. Yes, it offers 6 domestic and 4 international airport lounge visits annually.

Q4. What is the reward earning rate?
Ans. You earn 4 reward points per ₹100 on travel and forex spends and 2 reward points per ₹100 on other eligible spends.

Q5. Who should apply for this card?
Ans. Frequent travelers who want airline miles transfers, airport lounge access, and travel-focused rewards.

Terms & Conditions

✔️ Reward Points are governed by the HSBC TravelOne Reward Programme.

✔️ Lounge access is subject to HSBC program terms and partner availability.

✔️ Annual fee waiver applies only after meeting spending criteria.

✔️ Approval is subject to HSBC's credit and risk assessment policies.

✔️ Benefits, fees, and reward structures may change as per HSBC guidelines.