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  • HSBC TravelOne Credit Card
    • Image of HSBC TravelOne Credit Card
    HSBC Bank

    HSBC TravelOne Credit Card

    cat name Travel
    cat name Rewards
    3.5/5.0

    Travel4.0/5

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹4,999* Plus Applicable Taxes

    Travel

    Travel

    Up to 15% off on top travel platforms

    Rewards

    Rewards

    Up to 12% back as reward points

    Lounge Access

    Lounge Access

    6 domestic & 4 international visits

    Updated on January 7, 2026 11:06 am

    Author: Lepakshi Phogat

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    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowCard ReviewFAQs

    About HSBC TravelOne Credit Card

    HSBC TravelOne is an airline-agnostic travel credit card. Cardholders get accelerated reward points on travel expenses, which can be redeemed instantly against leading airlines and hotel partners including Air India, British Airways, Etihad, Qatar Airways, Accor, Marriott, and many others. A 1:1 conversion ratio for most of these partners ensures a good value for travellers. Moreover, payments made for travel bookings on HSBC Rewards Marketplace come with up to 12% rewards using TravelOne card. Additional discount offers on major travel platforms such as Yatra, EaseMyTrip, Cleartrip, PayTM, and StayVista Hotels, along with complimentary lounge access, enhance its appeal as a travel card.

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    Welcome & Reward Benefits

    Welcome Benefits:

    • Cashback worth Rs. 1,000, Postcard Hotels voucher worth Rs. 3,000 and 3 months EazyDiner Prime membership on spending Rs. 10,000 within the 1st 30 days1
    • 3,000 bonus reward points on spending Rs. 1 lakh within the 1st 90 days

    Reward Benefits:

    • Up to 6X Rewards: 12, 8 and 4 reward points on every Rs. 100 spent on hotels bookings, flight bookings and car rentals respectively via HSBC Rewards Marketplace
    • 2X Rewards: 4 reward points on every Rs. 100 spent on flights, travel aggregators, and in foreign currency2
    • 1X Rewards: 2 reward points on every Rs. 100 spent on other spending categories3
    • Redemption Value: 1 Reward Point = 1 Air Mile or Hotel Point4  (may vary as follows):

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    Image of HSBC TravelOne Credit Card
    When compared with other popular airline-agnostic cards like the Axis Atlas, which offers up to 10% value-back on travel spends, HSBC TravelOne’s 2% reward rate on general travel spends appears less competitive. However, HSBC TravelOne stands out by offering accelerated value-back on travel aggregator platforms. Since many consumers prefer booking through these portals due to competitive rates, this benefit could result in significant savings. Moreover, the ‘Travel with Points’ option on HSBC Rewards Marketplace under which you can pay full or partial travel booking value using the accrued reward points and the remaining through your card, lets you earn up to 12% back. This feature propels HSBC TravelOne ahead of its competitors. It is also worth noting that Axis Atlas has certain restrictions on reward transfers, with redemption partners categorized into Group A and Group B, each subject to separate capping. When selecting between the two, consumers should carefully evaluate the benefits of each card, reward redemption preferences and associated terms and conditions.
    Image of HSBC TravelOne Credit Card

    Other Features and Benefits

    Airport Lounge Access:

    • 6 complimentary visits to domestic and 4 to international lounges per year

    Golf Access:

    • 4 complimentary rounds per year
    • 12 complimentary golf lessons per year, capped at 1 per month
    • 50% off on green fees for additional golf rounds

    Fee Waiver:

    • Annual card fee waived off on spending more than Rs. 8 lakh in a year

    Milestone Bonus:

    • 10,000 bonus reward points on spending more than Rs. 12 lakh in a year

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    HSBC TravelOne Credit Card: Fees & Charges

    Particulars Amount
    Joining/Annual Fee Rs. 4,999 + Applicable Taxes
    Finance Charges 3.75% per month (45% per annum)
    Late Payment Charges 100% of the minimum payment due, subject to a min. of Rs. 250 and a max. of Rs. 1,200 per month

    Things to Know Before you apply

    Get This Card If:

    You often use travel platforms like EaseMyTrip, Yatra, ClearTrip and would be able to maximise discount offers available on them

    You put most spends on credit cards and would be able to make the most of welcome and milestone benefits

    You are a frequent traveller, prioritise value over brand preferences and can maximise savings using HSBC Rewards Marketplace for travel bookings

    Eligibility Criteria:

    Age: 18 to 65 years

    Nationality: Indian resident of select cities

    Minimum Income: Rs. 6 lakh p.a. for salaried employees

    Paisabazaar Review

    Overall Rating

    3.5/5

    Travel4.0/5

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    What do we like about this card?

    HSBC TravelOne Credit Card lives up to its name by focusing on travel-related benefits. With accelerated rewards on travel spends and a 1:1 points-to-miles conversion ratio, it offers savings of up to 12% on travel expenses, including bookings through travel aggregators and HSBC Rewards Marketplace. Another key highlight of the card is its discount offer on leading travel and lifestyle platforms such as Yatra, EaseMyTrip, Cleartrip, and Zomato. Additionally, complimentary lounge access without any minimum spending requirement further adds to the card’s value. All these benefits make this card a strong contender in the travel credit card segment.

    Pros

    • Accelerated rewards on travel spends with up to 12% value-back
    • 1:1 conversion ratio of rewards to airmiles or hotel points
    • Up to 15% discount across some of the most popular travel platforms
    • Complimentary golf rounds and green fee offers

    Cons

    • High forex mark-up fee of 3.5%
    • Welcome benefits come with spend-based conditions
    • Redemption of the accrued reward points is limited to just travel partner points or miles
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    Frequently Asked Questions

    Everything you need to know about this credit card

    The eligible cardholders can activate the 3 months EazyDiner Prime membership by first downloading the EazyDiner app and signing up or logging in. Then select the 3 months membership plan and click on the ‘Pay Now’ option. Enter the coupon code received and complete your purchase to activate the membership.

    To redeem your points, log in to the HSBC India app and select your card. Click on ‘View more’ and select the ‘Redeem points’ option. Then go to the rewards marketplace after tapping on ‘Redeem points now’. Select the preferred category and enter the details, as required. Enter the number of points you wish to redeem and continue. Read and accept the terms and conditions and place your order.

    HSBC TravelOne credit card users can convert their reward points in 1:1 ratio into airmiles for Air India, Air Canada, Air France–KLM, British Airways, Etihad Airways, EVA Air, Hainan Airlines, Japan Airlines, Singapore Airlines, Qantas Airlines, Qatar Airlines, Thai Airways, Turkish Airlines, United Airlines and Vietnam Airlines. They can also convert reward points into miles for Air Asia, where 1 point = 3 miles.

    You can convert your accrued reward points into hotel loyalty points of Accor, IHG® Hotels & Resorts, Marriott International, and Wyndham Hotels & Resorts in the ratio of 1:1. You can also redeem them for hotel points at Shangri-La where 5 reward points = 1 hotel loyalty point.
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    Footnotes

    1. Card users must also successfully download HSBC India mobile app and log in, in addition to satisfying the spend-based condition, to be eligible for the welcome benefit.
    2. 2X rewards are capped at 50,000 reward points per month. 2X rewards categories will earn the base reward rate of 2 reward points per Rs. 100 after reaching this monthly capping limit.
    3. Payments made towards utilities, fuel, education, government, e-wallets, insurance, tax, real estate agent or managers, jewellery, money transfers, financial and non-financial institutes, and bail and bonds do not accrue any reward points.
    4. Instant redemption available where cardholders can convert their points into air miles and hotel loyalty points across major airline and hotel partners through the mobile app.

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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