HSBC TravelOne Credit Card Review
Travel card with lounge access
The HSBC TravelOne has a ₹4,999 annual fee + GST, waived on ₹8,00,000 annual spend. It earns 0% back on regular spends, with 6 domestic + 4 international airport lounge visits a year. Best for: airmiles collectors spending ₹8 lakh+ annually — our verdict: recommended.
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A flexible travel card built around 1:1 airmiles and hotel transfers, 4% travel earning (capped at 50,000 points/month) and 6+4 lounge visits with a short exclusion list. Its ₹4,999 fee suits high spenders who hit the ₹8 Lakh waiver; the 3.5% forex markup is its main weakness.
Travel card with lounge access
The Bottom Line
The TravelOne Credit Card is built for airmiles collector and high-spend traveller. With a ₹4,999 annual fee that is waived on ₹8,00,000 yearly spend, it offers 0% rewards on travel and a welcome benefit worth ₹4,000. It makes the most sense if your spending matches airmiles collector and high-spend traveller.
It earns a base reward rate of 1% and stacks best when your spending lines up with Airmiles collector, High-spend traveller. The renewal fee gets easier to justify once you can hit ₹8,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who value 1:1 transfers to airline and hotel partners and the 4% travel earn (capped at a high 50,000 points/month).
Spenders reaching ₹8 Lakh+ to waive the fee and ₹12 Lakh for the 10,000-point bonus.
Probably not for
SkipThe ₹8 Lakh waiver bar and ₹12 Lakh bonus threshold leave moderate spenders paying the ₹4,999 fee for limited benefit.
The 3.5% forex markup is high for a travel card aimed at overseas spends.
Is It Worth It For You?
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Reward Rates
TravelOne Credit Card offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
Rs.1,000 cashback + Rs.3,000 PostCard Hotels voucher + 3 months' complimentary EazyDiner Prime membership, on spending Rs.25,000 within the first 30 days of card account opening. Separately, new online applicants who complete Video KYC receive a Rs.250 Amazon eGift voucher (not conditional on the Rs.25,000 spend).
Milestone Benefits
Earn 10,000 bonus Reward Points on spending more than Rs.12,00,000 in a card membership/anniversary year. (Separately — not part of this milestone — the Rs.4,999 annual fee is waived in full if annual spend exceeds Rs.8,00,000;
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Age 18-65; min annual income ₹6L salaried; available in select cities; earns 4X pts on travel/forex; 20 transfer partners.
Exclusions & Terms
Forex markup
- Foreign currency markup
Jewelry (5094, 5944)
- Jewelry (5094
- 5944)
Financial / Non-Financial Institutions (6010, 6011, 6012, 6051)
- Financial / Non-Financial Institutions (6010
- 6011
- 6012
- 6051)
Money Transfer (4829)
- Money Transfer (4829)
Tax Payments
- MCC 9311 — tax payments earn zero Reward Points.
Bail and Bond Payments
- MCC 9223 — earn zero Reward Points.
EMI Conversion (Instant EMI / IEMI)
- Per the Service Guide, reward points and cashback are not applicable on Instant EMI (IEMI) transactions since these are treated as loan facilities.
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹4,999 annual fee. Apply on the HSBC website.
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