HSBC
HSBC TravelOne Credit Card
Annual Fee
₹5,899₹4,999 + GSTBase Reward
2% Reward Points
Foreign Markup
3.5%
Welcome Benefits
₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹10,000 Within 30 Days of Card Issuance
Product Highlights
- High reward rate for travel-related spending
- Complimentary airport lounge access
- Purchase protection benefits
Category Rewards
travel
4X on Travel + Foreign Currency
4X
travel
4X on Travel + Foreign Currency
4X
Specialty
4X on Travel + Foreign Currency
4X
Fee Waiver
Annual Fee is Waived on Spends of ₹8 Lakh Each Year
Reward Calculator
Costs you ₹4,939/year
Break-even needs ~₹79,883/month at your reward mix.
₹13K
across all your buckets
3.8K
HSBC Reward Points
₹960
via statement credit · ₹0.25/pt
Effective rate
0.62%
Annual fee
₹5,899
Year 1 net
₹-4,939
Year 2+ net
₹-4,939
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
10,000 bonus RP
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
4X on Travel + Foreign Currency
Headline: 1.00% effective
Rewards Details
Earn 4 Reward Points for every ₹100 spent on travel platforms, flights, and international transactions. Earn 2 Reward Points for every ₹100 spent on all other eligible spends.
- Transfer RPs to Various Hotel and Airlines Partners at 1:1 Ratio
Benefits & Features
Domestic: Six Free Lounge Visits Each Year (No spend-based criteria required) International: Four Free International Airport Lounge Visits Each Year (No spend-based criteria required) Complimentary lounge access across domestic and international airports.
Pros & Cons
Pros
- No exclusions for the calculation of spending done for the ₹12 lakh milestone benefit
- Many hotels and airlines available to transfer Reward Points
Cons
- PostCard voucher is only applicable to those staying at PostCard hotels
- 3.5% Forex charge negates benefits for international spending
Additional Info
Important note regarding the PostCard voucher validity
Conditions apply for welcome benefits
Accelerated Reward Points are capped at 50,000 points each month.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹6.0L+
Networks
Fee Waiver
Annual Fee is Waived on Spends of ₹8 Lakh Each Year