Credit Cards · Honest Review

HSBC TravelOne Credit Card

HSBC · Visa

₹4,999Annual fee
2.00%Base rate
10Lounge visits/yr
₹100KMin income/mo
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Your Verdict

HSBC TravelOne Credit Card
HSBC · Visa
  • ✓4 reward points per ₹100 on travel and international spends
  • ✓2 reward points per ₹100 on all domestic spends
  • ✓6 complimentary domestic + 4 international lounge visits/year
  • ✓1:1 airline miles transfer to 10+ travel partners
  • ✓10,000 welcome reward points
₹4,999/yrAnnual fee
₹4,999
Annual fee
2.00%
Base reward rate
10/yr
Lounge access
760+
CIBIL score
Our verdict
The HSBC TravelOne Credit Card is HSBC India's flagship travel card, offering 4X reward points on travel and international spends, 10 complimentary lounge visits per year (6 domestic, 4 international), and 1:1 transfer to over 10 airline and hotel loyalty programs. Strong for frequent international travellers who value airline miles flexibility.
Fees & charges

What HSBC TravelOne Credit Card costs you

HSBC TravelOne Credit Card carries a ₹4,999 annual fee and a ₹4,999 one-time joining fee. There is no spend-based annual fee waiver.

FeeAmount
Annual fee (year 2+)₹4,999
Joining fee (one-time)₹4,999
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

HSBC TravelOne Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, online shopping and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)2.00%
✈️ Travel & Flights4%
🛒 Online Shopping4%
4%
Travel & Flights
4%
Online Shopping
Welcome bonus

10,000 reward points on first transaction within 60 days

Reward types: Miles · Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on HSBC TravelOne Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 10 visits/year. International lounges via Priority Pass.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for HSBC TravelOne Credit Card

HSBC TravelOne Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 760 or above. It is open to salaried and self-employed applicants.

₹1,00,000
Min monthly income
760+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹1,00,000
CIBIL score760+ (good to excellent)
Age range21–60 years
Employment typeSalaried & self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get HSBC TravelOne Credit Card

✅ Best for
  • → Heavy spenders on travel & flights who want 4% back
  • → Heavy spenders on online shopping who want 4% back
  • → Frequent travelers who value airport lounge access
⚠️ Not ideal for
    Frequently asked questions

    HSBC TravelOne Credit Card — Questions answered

    What is the annual fee for HSBC TravelOne Credit Card?
    The annual fee is ₹4,999 from year 2 onwards, with a one-time joining fee of ₹4,999. There is no spend-based waiver on this card.
    What is the minimum income required for HSBC TravelOne Credit Card?
    Salaried applicants need a minimum net monthly income of ₹1,00,000 and a CIBIL score of at least 760. Self-employed applicants typically need equivalent annual income proof.
    What is the reward rate on HSBC TravelOne Credit Card for travel & flights?
    HSBC TravelOne Credit Card earns 4% on travel & flights with no monthly cap. On all other spends, the base reward rate is 2.00%.
    Does HSBC TravelOne Credit Card provide airport lounge access?
    Yes — HSBC TravelOne Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 10 complimentary visits per year.
    How long does it take to get HSBC TravelOne Credit Card approved?
    Most applications for HSBC TravelOne Credit Card are processed within 7–10 working days. Instant in-principle approval is available for pre-approved customers. Physical card delivery typically takes 3–5 business days after approval.
    How long does it take to get HSBC TravelOne Credit Card approved?
    Most applications for HSBC TravelOne Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.