Unlock instant travel rewards and elevate your journey with every spend
4X Reward Points on flights & travel booking
6 domestic + 4 international visits/year
Annual fee waived on ₹8,00,000 spends
Enter your details to get started
| Benefit | Details |
|---|---|
| Accelerated Rewards on Travel | Earn 4 Reward Points per ₹100 on flights, travel aggregators (Yatra, MakeMyTrip, etc.) and foreign currency transactions. Get 2 Reward Points per ₹100 on all other eligible spends with no cap. |
| Instant Miles Conversion | Convert Reward Points to Air Miles instantly via the HSBC India Mobile App at a 1:1 ratio with 15+ airline partners including Air India, British Airways, Singapore Airlines, Etihad, and Qatar Airways. |
| Hotel Loyalty Programmes | Transfer points 1:1 to hotel loyalty programmes including Marriott Bonvoy, IHG One Rewards, Accor Live Limitless, and Wyndham Rewards. Shangri-La Circle requires 5 points for 1 hotel point. |
| Airport Lounge Access | Enjoy 6 complimentary domestic airport lounge visits and 4 international lounge visits per year via Mastercard Travel Pass (DragonPass/LoungeKey) with no minimum spend criteria. |
| Travel Marketplace Bonus | Earn up to 6X Reward Points on hotel bookings and 4X on flight bookings through HSBC Rewards Marketplace, delivering up to 12% value back on travel. |
| Travel Aggregator Discounts | Save up to 15% on domestic and international flight & hotel bookings on Yatra, EaseMyTrip, Cleartrip, and Paytm Travel with exclusive promo codes. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HSBC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel Rewards / Airline Miles |
| Type of Card | Premium Travel Credit Card (Mastercard World) |
| Free or Paid | ₹4,999 + GST Annually (waived on spends of ₹8,00,000) |
The HSBC TravelOne Credit Card is the ultimate companion for frequent travellers who value flexibility and instant redemption. Designed for those who travel regularly for business or leisure, this card stands out with its extensive network of 15 airline and 5 hotel transfer partners, offering 1:1 conversion ratios that maximise the value of every rupee spent.
Whether you're booking flights through travel aggregators, making foreign currency transactions, or planning hotel stays, the TravelOne card rewards you with accelerated points that convert instantly to miles or hotel loyalty points. With complimentary lounge access, exclusive travel discounts, and milestone bonuses, this card is perfect for travellers who want to earn premium rewards without being locked into a single airline or hotel brand.
Flexible Airline Partnerships: Transfer your Reward Points instantly at a 1:1 ratio to 15 major airlines including Air India Flying Returns, British Airways Executive Club, Singapore Airlines KrisFlyer, Etihad Guest, Qatar Airways Privilege Club, Air Canada Aeroplan, Air France-KLM Flying Blue, EVA Air Infinity MileageLands, Hainan Airlines Fortune Wings Club, Japan Airlines Mileage Bank, Qantas Frequent Flyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, United Airlines MileagePlus, and Vietnam Airlines Lotusmiles. AirAsia BIG also available at 1:3 ratio.
Hotel Loyalty Programmes: Convert points 1:1 to top hotel programmes including Marriott Bonvoy, IHG One Rewards, Accor Live Limitless (ALL), and Wyndham Rewards. Shangri-La Circle available at 5:1 ratio.
Accelerated Travel Rewards: Earn 4 Reward Points for every ₹100 spent on:
Flight bookings (direct airline or travel OTAs)
Travel aggregator platforms (MakeMyTrip, Yatra, Cleartrip, EaseMyTrip, etc.)
All foreign currency transactions
This accelerated earning is capped at 50,000 Reward Points per calendar month (equivalent to ₹12.5 lakh spend), after which the base rate of 2 points per ₹100 applies.
Base Rewards Rate: Earn 2 Reward Points per ₹100 on all other eligible retail spends with no monthly or annual cap, ensuring you earn on every transaction.
HSBC Rewards Marketplace: Unlock even higher returns by booking through HSBC's Travel with Points marketplace:
6X Reward Points on hotel bookings (~24% return value)
4X Reward Points on flight bookings (~16% return value)
3X Reward Points on car rental bookings
The marketplace is capped at 18,000 accelerated Reward Points per calendar month.
Premium Lounge Benefits: Access airport lounges without any minimum spend requirement:
6 complimentary domestic airport lounge visits per year
4 complimentary international lounge visits per year via Mastercard Travel Pass (powered by DragonPass)
Primary cardholders can bring guests, with visits shared from the annual quota
Travel Aggregator Savings: Exclusive discount codes for major travel platforms:
Yatra: Up to 15% off on domestic and international flights and hotels
EaseMyTrip: Up to 15% off on domestic and international bookings (Max ₹3,000 domestic, ₹5,000 international)
Cleartrip: Up to 15% off on domestic and international flights and hotels
Paytm Travel: Up to 15% off on international and domestic flights
StayVista: 11% off on hotel bookings (max 2 bookings per card per year, max saving ₹3,000 per booking)
Milestone Rewards: Earn 10,000 bonus Reward Points when you spend more than ₹12,00,000 in a membership year, with no category exclusions for this calculation.
Lifestyle Benefits: Beyond travel, enjoy:
Up to 20% discount at select duty-free stores in India via AdaniOne app (max ₹3,000, once yearly)
Buy 1 Get 1 on movie tickets (₹200 off) via District App
Zomato dining and entertainment discounts
Up to USD 20,000 purchase protection annually
Golf privileges and more
Travel Insurance: Complimentary travel insurance coverage when you charge the full cost of your air ticket to the card.
HSBC Instalment Plans: Convert large purchases into easy EMIs with flexible tenure options, making expensive items more affordable.
Add-on Card Benefits: Issue add-on cards for family members at no extra joining fee. Spends on add-on cards are eligible for Reward Points and count towards milestone benefits.
The HSBC TravelOne Credit Card delivers exceptional value for travelers who appreciate the freedom to choose their preferred airline or hotel programme, with the added convenience of instant point transfers and comprehensive travel privileges.
4 Reward Points on Travel & Foreign Currency Spends
Earn 4 Reward Points for every ₹100 spent on:
Direct airline ticket bookings
Travel aggregator platforms (MakeMyTrip, Yatra, Goibibo, Cleartrip, EaseMyTrip, etc.)
All foreign currency transactions (international spends)
Cap: Maximum 50,000 Reward Points per calendar month can be earned in this accelerated category (equivalent to ₹12.5 lakh spend). After reaching this cap, the base rate of 2 points per ₹100 applies.
2 Reward Points on All Other Eligible Spends
Earn 2 Reward Points for every ₹100 spent on all other retail purchases.
No monthly or annual cap on base rewards earning.
HSBC Rewards Marketplace - Accelerated Earnings
Book travel through HSBC's Rewards Marketplace for even higher returns:
6X Reward Points on hotel bookings
4X Reward Points on flight bookings
3X Reward Points on car rentals
Cap: Maximum 18,000 Reward Points per calendar month from HSBC Rewards Marketplace bookings.
Additional Benefits:
Best Price Guarantee – ensures lowest available rate
Price Drop Protection – refund if booked fare drops after purchase
Pay with points + card for maximum flexibility
Spends made on add-on cards are fully eligible for Reward Points and count towards:
Base and accelerated earning rates
Monthly caps
Annual milestone benefits
Instant Airline Miles Transfer
Convert Reward Points to airline miles at a 1:1 ratio via the HSBC India Mobile Banking App:
1:1 Transfer Ratio Partners:
Air India Flying Returns
Air Canada Aeroplan
Air France-KLM Flying Blue
British Airways Executive Club
Etihad Guest
EVA Air Infinity MileageLands
Hainan Airlines Fortune Wings Club
Japan Airlines Mileage Bank
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
Thai Airways Royal Orchid Plus
Turkish Airlines Miles&Smiles
United Airlines MileagePlus
Vietnam Airlines Lotusmiles
1:3 Transfer Ratio:
AirAsia BIG (1 Reward Point = 3 AirAsia BIG Points)
Processing Time: Most transfers are instant. Some partners may take up to 1 business day.
Hotel Loyalty Points Transfer
Convert Reward Points to hotel loyalty points via the HSBC India Mobile Banking App:
1:1 Transfer Ratio Partners:
Marriott Bonvoy
IHG One Rewards
Accor Live Limitless (ALL)
Wyndham Rewards
5:1 Transfer Ratio:
Shangri-La Circle (5 Reward Points = 1 Shangri-La Point)
Processing Time: Most transfers are instant. Some partners may take up to 1 business day.
Gift Cards & Vouchers
Redeem Reward Points for gift cards across various categories including:
Food & Dining
Entertainment
Fashion & Lifestyle
Home Appliances
Electronics
Cosmetics & Beauty
Merchandise
Browse and redeem points for products through the HSBC Rewards Marketplace.
Standard Welcome Offer
Download and log in to the HSBC India Mobile Banking App and spend ₹10,000 within the first 30 days of opening your credit card account to receive:
₹1,000 Cashback (credited to your account)
Postcard Hotel Voucher worth ₹3,000 (valid for stays at Postcard hotels)
3 Months EazyDiner Prime Membership (access to exclusive dining benefits)
Milestone Welcome Bonus
Spend ₹1,00,000 within the first 90 days of card issuance to receive:
3,000 bonus Reward Points (equivalent to ₹3,000 in value)
Limited Time Additional Cashback (Valid till 31 December 2025)
Apply for your card by 31 December 2025 and spend ₹25,000 within the first 30 days to receive:
₹3,999 additional cashback
Video KYC Bonus
Complete your application with video self-verification to receive:
₹250 Amazon eGift Voucher (valid for 6 months from date of issuance)
Upgrade Offer for Existing HSBC Cardholders
If you already hold an HSBC Live+ or Platinum Credit Card:
Get 50% discount on joining fee – pay only ₹2,500 + GST instead of ₹4,999
₹2,500 cashback credited within 45 days post card issuance
Plus all standard welcome benefits mentioned above
Note: Existing HSBC reward points won't carry over to your TravelOne account, so redeem them before upgrading.
Milestone Benefits
Annual Spending Milestone
Spend more than ₹12,00,000 in a membership year to earn:
10,000 bonus Reward Points
Important: There are no category exclusions for this milestone calculation. All eligible spends count towards the ₹12 lakh threshold.
Airport Lounge Access
Domestic Lounge Access
6 complimentary visits per year to domestic airport lounges across India
No minimum spend criteria required
Access via Mastercard Travel Pass
List of participating domestic airports available on the HSBC website.
International Lounge Access
4 complimentary visits per year to international airport lounges worldwide
Access via Mastercard Travel Pass powered by DragonPass/LoungeKey
Includes Plaza Premium Lounges and other participating lounges globally
No minimum spend criteria required
Guest Access
Primary cardholders can bring guest(s) to lounges
Guest visits are shared from the primary cardholder's annual quota
Each guest visit counts as 1 visit from your total complimentary visits
Online Travel Aggregators
Yatra:
Up to 15% discount on domestic and international flights and hotels
Valid on app and website
Use exclusive promo code for HSBC TravelOne cardholders
EaseMyTrip:
Up to 15% discount on domestic and international flights and hotels
Maximum savings: ₹3,000 on domestic bookings, ₹5,000 on international bookings
Valid on app and website
Cleartrip:
Up to 15% discount on domestic and international flights and hotels
Use exclusive promo code for HSBC TravelOne cardholders
Valid on app and website
Paytm Travel:
Up to 15% discount on domestic and international flights
Valid on app and website
Use exclusive promo code
StayVista:
11% discount on hotel bookings
Maximum 2 bookings per card per year
Maximum saving of ₹3,000 per booking
Duty-Free Shopping
Up to 20% discount at select duty-free stores in India via AdaniOne app or website
Maximum discount: ₹3,000
Valid once per year
Minimum transaction value may apply
Movie Discounts
Buy 1 Get 1 offer on movie tickets via District App
Up to ₹200 off per transaction
Check District App for participating theaters and terms
Zomato Benefits
Exclusive discounts on dining and food delivery through Zomato app
Terms and conditions apply
Purchase Protection
Up to USD 20,000 purchase protection coverage annually
Covers eligible purchases made with the card against theft or accidental damage
Coverage provided by Mastercard
Terms and conditions apply (refer to Mastercard policy document)
Complimentary travel insurance when you charge the full cost of your air ticket(s) to your HSBC TravelOne Credit Card
Coverage details and terms available in the travel insurance policy document
Check HSBC website for complete coverage information
Discounts and privileges at select golf courses
Terms and offers subject to change
Details available on HSBC website
Convert your purchases into flexible monthly instalments:
0% interest instalment plans available at participating merchants
Tenure options up to 36 months
Convert existing purchases into EMI at preferential rates
Minimum transaction amount and other terms apply
Access exclusive Mastercard benefits:
Priceless Cities experiences
Priority bookings and special offers
Unique travel and lifestyle privileges
Explore offers on Mastercard's Priceless platform
Reward Points are valid for 3 years from the end of the month in which they were earned
Example: Points earned in December 2024 will expire in December 2027
Track your points expiry through the HSBC India Mobile Banking App
Reward Points are NOT earned on the following transactions:
Cash advances and cash withdrawals
Balance transfers
Instant EMI (IEMI) transactions
Card fees and charges (joining fee, annual fee, late payment fee, etc.)
Finance charges and interest
Educational fee payments (MCC codes: 8299, 8220, 8211, 8241, 8244, 8249)
Government-related payments (MCC codes: 9399, 9222, 9211, 9402, 9405, 9311, 9223)
Tax payments
Real estate agent and managers (MCC 6513)
Bail and bond payments (MCC 9223)
Financial institutions (MCC 6010-6012)
Non-financial institutions (MCC 6051)
Money transfers (MCC 4829)
E-wallets and digital wallets (MCC 6540)
Utilities (varies by merchant)
Insurance premiums (varies by merchant)
Jewellery purchases (varies by merchant)
Note: In case of IEMI cancellation or pre-closure of EMI transactions, any reward points earned on the original transaction will not be reinstated.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹4,999 + GST (~₹5,899) | One-time charge when the card is issued. 50% discount (₹2,500 + GST) available for existing HSBC credit cardholders upgrading to TravelOne. |
| Annual Fee | ₹4,999 + GST (~₹5,899) | Charged every year. Waived if annual spends are ₹8,00,000 or more in the membership year. |
| Add-on Card Fee | NIL | No joining or annual fee for add-on/supplementary cards. |
| Interest Rate (APR) | 3.75% per month (45% annually) | Applicable on outstanding balances and cash advances if not paid in full by due date. |
| Foreign Currency Markup | 3.5% | Applicable on all international transactions (purchases made in foreign currency). |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) | Applicable on cash withdrawals at ATMs or branches. |
| Late Payment Fee | 100% of minimum payment due | Minimum ₹250, Maximum ₹1,200 per month. |
| Over-limit Penalty | As per RBI guidelines | Charged when spending exceeds approved credit limit. |
| Payment Return Charges | ₹500 | Charged when cheque/SI/NACH payment is dishonoured or unsuccessful. |
| Cash Payment Charge | ₹100 | Charged for all card payments made at HSBC branches or dropboxes. |
| Rent & Related Payments Fee | 1% processing fee + applicable taxes | Applicable on rent transactions. |
| Balance Transfer Processing Fee | 1.5% of the transfer amount (minimum ₹200) | One-time fee on balance transfer requests. |
| Balance Transfer Interest Rate | 10.99% to 15.99% p.a. | Varies based on tenure and creditworthiness. |
| Goods and Services Tax (GST) | 18% | Applicable on all fees and charges as per prevailing GST rates. |
| Criteria | Details |
|---|---|
Age | 18 to 65 years |
Citizenship | Must be a Resident of India |
Income | Minimum annual income of ₹4,00,000 (for salaried individuals). Stable source of income required for self-employed. |
Credit Score | Good CIBIL score (ideally 750+) recommended for approval |
City Restriction | Must reside or have office in: Delhi, National Capital Region (NCR), Noida, Gurgaon, Mumbai, Bangalore, Hyderabad, Chennai, Pune, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, or Kolkata |
Employment | Salaried employees or self-employed professionals with stable income |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: PAN Card (mandatory), Aadhaar Card, Passport, Driving License, Voter ID Card, Overseas Citizen of India Card, Person of Indian Origin Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving License, Voter ID Card, Utility Bill (not more than 3 months old), Ration Card, Property Registration Document, Bank Account Statement (recent) |
| Income Proof | For Salaried: Latest 1-2 salary slips (not more than 3 months old), Latest Form 16, Last 3 months' bank statement. For Self-Employed: IT Returns, Audited financial statements, Bank statements for last 6 months |
| PAN Card | Mandatory for all credit card applications as per RBI guidelines |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Approval & Card Delivery: Once your application is approved after verification, your HSBC TravelOne Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Download HSBC India Mobile App | Download and log in to the HSBC India Mobile Banking App to unlock welcome benefits and manage your card easily. Redeem points, track spending, and access all features in one place. |
Activate Welcome Benefits | Within the first 30 days of card issuance, spend ₹10,000 to unlock ₹1,000 cashback, ₹3,000 Postcard Hotel voucher, and 3 months EazyDiner Prime membership. |
Maximize Travel Rewards | Use your card for all flight bookings, travel aggregator purchases (MakeMyTrip, Yatra, etc.), and foreign currency transactions to earn 4 Reward Points per ₹100. Track the 50,000 points monthly cap. |
Book Through HSBC Rewards Marketplace | For maximum value, book hotels (6X points), flights (4X points), and car rentals (3X points) through HSBC's Travel with Points marketplace. This can deliver up to 12% value back when combined with point transfers. |
Use Travel Aggregator Discounts | Apply exclusive promo codes when booking on Yatra, EaseMyTrip, Cleartrip, or Paytm Travel to save up to 15% and earn points simultaneously – a powerful double-dip strategy. |
Transfer Points Instantly | Convert Reward Points to airline miles or hotel points at 1:1 ratio instantly via the HSBC app. Choose from 15 airlines and 5 hotel partners based on your travel plans. |
Track Monthly Caps | Monitor your accelerated rewards caps: 50,000 points/month for travel spends, 18,000 points/month for HSBC Marketplace bookings. Plan large purchases accordingly. |
Claim Airport Lounge Access | Register for Mastercard Travel Pass via the app. Save your membership number and present it at lounges. Remember: 6 domestic + 4 international visits per year with no minimum spend required. |
Reach ₹12 Lakh Milestone | Plan your annual spending to cross ₹12,00,000 to earn 10,000 bonus Reward Points. This milestone has no category exclusions, so all eligible spends count. |
Maintain Annual Spend for Fee Waiver | Spend at least ₹8,00,000 annually to get your ₹4,999 + GST annual fee waived from the second year onwards. Track your spending through the app. |
Redeem Points Strategically | For maximum value, transfer points to Accor Live Limitless or major airline programmes rather than merchandise. 1 Reward Point can be worth ₹1 or more depending on redemption. |
Use Add-on Cards for Family | Issue add-on cards for family members at no extra cost. Their spends count towards your milestone benefits and earn the same reward rates. |
Pay in Full to Avoid Interest | Always pay the full outstanding amount by the due date to avoid 3.75% monthly interest charges (45% p.a.) and maximise your rewards value. |
Set Up Auto-Pay | Enable auto-pay for at least the minimum payment to avoid late fees of up to ₹1,200 and maintain a good credit score. |
Monitor Points Expiry | Reward Points expire 3 years from the end of the month earned. Redeem or transfer points before they expire to avoid losing value. |
Use for Large Purchases | Convert large purchases into EMI using HSBC Instalment Plans at 0% interest with participating merchants, making expensive items more affordable. |
Avoid Excluded Categories | Don't expect points on cash advances, wallet loads, rent, education fees, insurance, government payments, and other excluded categories (see rewards section for full list). |
The HSBC TravelOne Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.