Name: HSBC Travel One
Brand: HSBC Bank Ltd
Price: 4999 INR
Rating: 4 (1 reviews)

HSBC Travel One

(

4 )

Beginner

Best For: Travel

From

Approval Rate:

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A travel-focused credit card offering accelerated miles earning and travel perks. It targets customers who prefer to collect travel points that can be converted to various airline miles. It offers complimentary lounge access and travel insurance, making it a strong contender for those who frequently book flights and hotel stays.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Travel

Reward %

2% -24%

Joining Fees

₹

4999

Renewal Fees

4999

APR

45%

Welcome Benefit

Spend ₹10,000 in first 30 days + download & login to HSBC app → ₹1,000 cashback, Postcard Hotel voucher worth ₹3,000, 3 months EazyDiner Prime membership.

Renewal Benefits

No Renewal Benefits. Avoid the ₹4,999+GST renewal fee by spending ₹8 Lakhs annually

USP's:

Dedicated miles earning and comprehensive travel insurance coverage.

Fees & Charges

Joining & Renewal Fees

Rs.4999

Interest & Charges

Foreign Currency Markup: 3.5% + GST

Fuel Surcharge: Save 1% Fuel Surcharge at any pump, any place

Late payment charges are 100% of Minimum Amount Due, subject to minimum ₹250 and maximum ~₹1,200 per month

Additional Charges

Cash Advance Fee: 2.5% of amount withdrawn, or a minimum (₹500), whichever higher

Rewards

2 Reward Points per ₹100 Spent Eligible Regular Spends

4 Reward Points per ₹100 Spent On International ( 50k Points 12.5 Lakhs Spend )

24 Reward Points per ₹100 Spent On HSBC Hotels ( 18k Points Max Per Month )

16 Reward Points per ₹100 Spent On HSBC Flights ( 18k Points Max Per Month )

8 Reward Points per ₹100 Spent On Car Rental ( 18k Points Max Per Month )

4 Reward Points per ₹100 Spent On Flights ( 50k Points Max )

4 Reward Points per ₹100 Spent On Online Travel ( 50k Points Max )

Milestone Benefits

Yearly : Spend 12 Lakhs < 12000 Reward Points.

Exclusions

Education, Financial Institutions, Fuel, Government, Insurance, Jewellery, Rent, Tax, Utilities, Wallets

Rewards capping

Rewards Validity

24 Months

Redemption modes

Hotel Transfer

Airline Transfer

Additional Features

Lounge Benefits

Domestic Airport : 6 Per Year
International Airport : 4 Per Year

Insurance Benefits

Purchase protection up to ₹2.5 lakh/year. Also covers typical credit card protections (lost card liability)

Other Perks

Discounts: up to 15% on OTAs (Yatra, Cleartrip, EaseMyTrip, Paytm), duty-free shopping offers via AdaniOne, StayVista hotel discounts, dining/entertainment promos (movies, events), golf rounds/lessons

Eligibility Criteria

Age

18Y

Min

65Y

Max

Credit Score

750 Ex Min

Income

(

Salaried Employee

)

₹

4 Lakhs Per Annum

Income

(

Self Employee

)

₹

4 Lakhs ITR

Other: Card-to-card eligibility requirements.

Pros

1:1 transfer ratio to a large portfolio of airline and hotel partners.

Complimentary 6 domestic and 4 international lounge visits annually.

Accelerated rewards on travel and foreign currency spends (up to 4%).

Complimentary golf rounds and lessons provided annually.

Generous welcome benefits that offset the first-year fee.

Cons

High foreign currency markup of 3.5%, undercutting value on foreign spends.

High annual fee (₹4,999 + taxes) that is difficult to waive (requires ₹12L spend).

Rewards are excluded on key spend categories like fuel, utility, and rent.

Reward point redemption is strictly limited to travel partners/miles.

Accelerated rewards earning is subject to a monthly cap.

Terms and Conditions *

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Travel	2% -24%	₹4999	Spend ₹10,000 in first 30 days + download & login to HSBC app → ₹1,000 cashback, Postcard ...	₹4999	No Renewal Benefits. Avoid the ₹4,999+GST renewal fee by spending ₹8 Lakhs annually	Travel	Dedicated miles earning and comprehensive travel insurance coverage.