The HSBC TravelOne Credit Card is aimed at travellers who collect airline miles. It earns 4 points per ₹100 on travel and foreign currency spends, converts them up to 1:1 into miles with airlines such as Singapore Airlines, Qatar Airways and British Airways, and gives 10 lounge visits a year with no spend condition.
How the rewards work
| Spend | Earn |
|---|---|
| Flights, travel bookings, foreign currency spends | 4 points per ₹100 |
| All other eligible spends | 2 points per ₹100 |
| Milestone: annual spends above ₹12 lakh | 10,000 bonus points |
Good to know: points convert instantly at up to 1:1 to airline partners including Singapore Airlines, Qatar Airways, British Airways, Air India and Etihad Airways. Airline miles often give the best value, but award prices vary, so compare before transferring.
What you would actually earn
Spend ₹30,000 a month on everyday purchases and ₹1.5 lakh a year on flights and foreign spends, and you earn about 7,200 + 6,000 = 13,200 points a year. At up to 1:1, that is up to 13,200 airline miles, enough for a meaningful award redemption on many routes.
Travel and lifestyle benefits
- Lounges: 6 domestic and 4 international visits a year, no minimum spend.
- Airport transfers: 4 chauffeur-driven transfers a year, one per quarter.
- Travel discounts: up to 15% off on Yatra, EaseMyTrip, Cleartrip, StayVista and more; 11% off StayVista (up to ₹3,000 per booking).
- Duty free: up to 20% off at select stores via AdaniOne, up to ₹3,000 a year.
- Entertainment: up to 10% off events and dining on District, and Buy 1 Get 1 movie tickets twice a month (up to ₹200 a ticket).
- Golf: 4 rounds and 12 lessons a year, one per month.
Welcome benefits
Download the HSBC India Mobile Banking app and spend ₹10,000 in the first 30 days to get ₹1,000 cashback, a ₹3,000 Postcard Hotel voucher and a 3-month EazyDiner Prime membership. That is worth close to the joining fee on its own.
Fees and charges
| Joining fee | ₹4,999 + GST |
|---|---|
| Annual fee | ₹4,999 + GST |
| Annual fee waiver | Spend ₹8,00,000 in the previous year |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹50,000 a month |
| Income (self-employed) | ITR above ₹12,00,000 a year |
| Credit score | 750 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-sized photograph
How to apply
- Tap Apply on HSBC site on this page to open HSBC India’s credit card application.
- Fill in the form in one session, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, ideally from your current address.
- Once the card arrives, download the HSBC India Mobile Banking app, log in and activate the card.
Who should get it, and who shouldn’t
Get it if you fly several times a year, already collect miles with one of HSBC’s airline partners, and want lounge access you do not have to earn each quarter.
Skip it if you travel rarely or prefer cashback. Without travel redemptions, the 2 points per ₹100 base rate and ₹4,999 fee make it hard to justify.
