HSBC TravelOne Credit Card

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The HSBC TravelOne Credit Card is among the best travel credit cards in India, offering exceptionally high reward rates on both flights and hotel bookings. Its rewards on these categories even surpass super-premium cards like HDFC Bank’s Infinia and ICICI Bank’s Emeralde Metal Private (EPM) Credit Card. A major advantage is the flexibility to redeem reward points either through airmiles and hotel loyalty programs or directly for flight and hotel payments at a flat rate. This makes the card ideal not just for frequent flyers but also for beginners who may not focus on airmiles. For those who do, the card features an extensive list of airline and hotel partners, the standout being Accor ALL, the loyalty program of Accor hotels. Accor points deliver excellent value, with 1 point worth about Rs.2 (2,000 Accor points = EUR40), significantly boosting the overall value proposition of this card.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining and Renewal Benefits

Joining Benefits

Download and log on to the HSBC India Mobile Banking app and spend Rs.10,000 within the first 30 days of opening your credit card account to get:

  • Rs.1,000 cashback
  • Rs.3,000 Postcard Hotel voucher
  • 3 months EazyDiner Prime Membership

Plus, get 3,000 bonus reward points when you spend Rs.100,000 in the first 90 days on card issuance. Value of these rewad points can be more than Rs.6,000 depending upon where you redeem these points.

Renewal Benefits

There is no renewal benefit. However, if you spend Rs.8 Lacs in a year, the Renewal Fee is Waived Off.

Cashback and Rewards

  • Rewards Points & Airmiles
    • Hotels: Get 24 Reward Points (= 24 Airmiles or 24 Hotel Points) on Rs.100 Spent on Hotels booking through HSBC Travel Portal (Lowest Price of Hotels Guaranteed). This is equivalent to 24% to 48% Valueback. If redeemed on Accor Hotels, net valueback increases to 48%.
    • Flights: Get 16 Reward Points (= 20 Airmiles or 20 Hotel Points) on Rs.100 Spent on Flight booking through HSBC Travel Portal. This is equivalent to 20% to 40% Valueback. If redeemed on Accor Hotels, net valueback increases to 40%.
    • Car Rental: Get 8 Reward Points (= 8 Airmiles or 8 Hotel Points) on Rs.100 Spent on Hotels booking through HSBC Travel Portal. This is equivalent to 8% to 16% Valueback. If redeemed on Accor Hotels, net valueback increases to 32%.
    • Travel Spend on Sites/Apps other than HSBC Travel Portal: Get 4 reward points for every Rs.100 spent on flights and travel aggregators.
    • International Transactions: Get 4 reward points for every Rs.100 spent on international transactions (Equivalent to a valueback of 4% to 8%). There is a Forex Mark-up Charge of 4.13% (including GST) on international transactions. After adjusting the forex mark-up charges, the valueback is -0.13% to 3.87%.
    • Other Spend: Get 2 reward points for every Rs.100 spent on all other spend except excluded categories.
    • Milestone Bonus: Earn 10,000 bonus reward points when you spend more than Rs.12,00,000 in a year
    • Monthly Bonus Points Limits:
      • Accelerated Reward Points on Flight, Travel Aggregators and International spend are limited to 50,000 points per calendar month.
      • Accelerated Reward Points on HSBC Travel Portal are limited to 18,000 bonus points per calendar month.
      • No limit on Base Reward Points
  • Instant Discount on Yatra (web & app both), Twice in a year
    • Domestic Flights & Hotels: 15% Instant Discount upto Rs.3000 (Use Promo Code: HSBCTRAVEL1)
    • International Flights & Hotels: 15% Instant Discount upto Rs.5,000 (Use Promo Code: HSBCTRAVEL1)
    • Offer till 31st December 2025
  • Instant Discount on EaseMyTrip (web & app both) (Promo Code: EMTHSBCT1)
    • Domestic Flights: 15% Instant Discount upto Rs.3,000, twice in a year
    • International Flights: 15% Instant Discount upto Rs.5000, , twice in a year
    • Domestic Hotels: 15% Instant Discount upto Rs.3000, , twice in a year
    • International Hotels: 15% Instant Discount upto Rs.5,000, , twice in a year
    • Offer till 31st December 2025
  •  Instant Discount on PayTm Flights
    • 15% Instant Discount upto Rs.5,000 on Flight Booking through PayTM.
    • Offer applicable Twice in a year on Minimum Flight Booking of Rs.5,000
    • Offer till 31st December 2025
  • Instant Discount on ClearTrip Flights
    • 15% Instant Discount upto Rs.3,000 on Domestic Flight Booking
    • 15% Instant Discount upto Rs.5,000 on International Flight Booking
    • Offer applicable once  in Every 6 Months during the Offer Period
    • Offer till 31st December 2026
  • Instant Discount on StayVista Hotel Booking
    • 11% Discount upto Rs.3000, Twice  per Calendar Year on Hotel Booking through www.stayvista.com
    • Offer till 31st December 2025
  • Movie Tickets Discount
    • Buy One Get One Movie Ticket Free on Zomato District App
    • Maximum Discount upto Rs.200 per booking, Twice in a month (Promo Code: HSBCTOMOV)
    • Offer till 31st December 2025
  • Dining Discount on Zomato App
    • 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTODINING)
    • Offer till 31st December 2025
  • Event Ticket Discount on Zomato District App
    • 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTOEVENTS)
    • Offer till 31st December 2025
  • Discount at Duty Free Stores at Airports
    • 20% Discount upto Rs.3,000 on minimum order value of Rs.8,000 at Adani Airports once per card per year (Promo Code: HSBCTRAVELONE)
    • Add-on Cardholders will be separately and additionally eligible for the Offer.

Lifestyle Benefits

  • Airport Lounge: 6 Domestic Airport Lounge Access and 4 International Airport Lounge Access in a year for free. There is no quarterly limit on free airport lounge access usage. There is no minimum spend requirement for free lounge access. Click Here for List of Lounges.
  • Golf Games: 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds. Click Here for more details.

Fuel Surcharge Waiver

Fuel Surcharge waiver on minimum spend of Rs.400 and maximum spend Rs.4,000 per transaction on fuel in any city and at any petrol pump in India

Forex Mark-up Charges

Get 4 reward points for every Rs.100 spent on international transactions (Equivalent to a valueback of 4% to 8%). There is a Forex Mark-up Charge of 4.13% (including GST) on international transactions. After adjusting the forex mark-up charges, the valueback is -0.13% to 3.87%.

Joining and Renewal Benefits

Joining Benefits

Download and log on to the HSBC India Mobile Banking app and spend Rs.10,000 within the first 30 days of opening your credit card account to get:

  • Rs.1,000 cashback
  • Rs.3,000 Postcard Hotel voucher
  • 3 months EazyDiner Prime Membership

Plus, get 3,000 bonus reward points when you spend Rs.100,000 in the first 90 days on card issuance. Value of these rewad points can be more than Rs.6,000 depending upon where you redeem these points.

Renewal Benefits

There is no renewal benefit. However, if you spend Rs.8 Lacs in a year, the Renewal Fee is Waived Off.

Cashback and Rewards

  • Rewards Points & Airmiles
    • Hotels: Get 24 Reward Points (= 24 Airmiles or 24 Hotel Points) on Rs.100 Spent on Hotels booking through HSBC Travel Portal (Lowest Price of Hotels Guaranteed). This is equivalent to 24% to 48% Valueback. If redeemed on Accor Hotels, net valueback increases to 48%.
    • Flights: Get 16 Reward Points (= 20 Airmiles or 20 Hotel Points) on Rs.100 Spent on Flight booking through HSBC Travel Portal. This is equivalent to 20% to 40% Valueback. If redeemed on Accor Hotels, net valueback increases to 40%.
    • Car Rental: Get 8 Reward Points (= 8 Airmiles or 8 Hotel Points) on Rs.100 Spent on Hotels booking through HSBC Travel Portal. This is equivalent to 8% to 16% Valueback. If redeemed on Accor Hotels, net valueback increases to 32%.
    • Travel Spend on Sites/Apps other than HSBC Travel Portal: Get 4 reward points for every Rs.100 spent on flights and travel aggregators.
    • International Transactions: Get 4 reward points for every Rs.100 spent on international transactions (Equivalent to a valueback of 4% to 8%). There is a Forex Mark-up Charge of 4.13% (including GST) on international transactions. After adjusting the forex mark-up charges, the valueback is -0.13% to 3.87%.
    • Other Spend: Get 2 reward points for every Rs.100 spent on all other spend except excluded categories.
    • Milestone Bonus: Earn 10,000 bonus reward points when you spend more than Rs.12,00,000 in a year
    • Monthly Bonus Points Limits:
      • Accelerated Reward Points on Flight, Travel Aggregators and International spend are limited to 50,000 points per calendar month.
      • Accelerated Reward Points on HSBC Travel Portal are limited to 18,000 bonus points per calendar month.
      • No limit on Base Reward Points
  • Instant Discount on Yatra (web & app both), Twice in a year
    • Domestic Flights & Hotels: 15% Instant Discount upto Rs.3000 (Use Promo Code: HSBCTRAVEL1)
    • International Flights & Hotels: 15% Instant Discount upto Rs.5,000 (Use Promo Code: HSBCTRAVEL1)
    • Offer till 31st December 2025
  • Instant Discount on EaseMyTrip (web & app both) (Promo Code: EMTHSBCT1)
    • Domestic Flights: 15% Instant Discount upto Rs.3,000, twice in a year
    • International Flights: 15% Instant Discount upto Rs.5000, , twice in a year
    • Domestic Hotels: 15% Instant Discount upto Rs.3000, , twice in a year
    • International Hotels: 15% Instant Discount upto Rs.5,000, , twice in a year
    • Offer till 31st December 2025
  •  Instant Discount on PayTm Flights
    • 15% Instant Discount upto Rs.5,000 on Flight Booking through PayTM.
    • Offer applicable Twice in a year on Minimum Flight Booking of Rs.5,000
    • Offer till 31st December 2025
  • Instant Discount on ClearTrip Flights
    • 15% Instant Discount upto Rs.3,000 on Domestic Flight Booking
    • 15% Instant Discount upto Rs.5,000 on International Flight Booking
    • Offer applicable once  in Every 6 Months during the Offer Period
    • Offer till 31st December 2026
  • Instant Discount on StayVista Hotel Booking
    • 11% Discount upto Rs.3000, Twice  per Calendar Year on Hotel Booking through www.stayvista.com
    • Offer till 31st December 2025
  • Movie Tickets Discount
    • Buy One Get One Movie Ticket Free on Zomato District App
    • Maximum Discount upto Rs.200 per booking, Twice in a month (Promo Code: HSBCTOMOV)
    • Offer till 31st December 2025
  • Dining Discount on Zomato App
    • 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTODINING)
    • Offer till 31st December 2025
  • Event Ticket Discount on Zomato District App
    • 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTOEVENTS)
    • Offer till 31st December 2025
  • Discount at Duty Free Stores at Airports
    • 20% Discount upto Rs.3,000 on minimum order value of Rs.8,000 at Adani Airports once per card per year (Promo Code: HSBCTRAVELONE)
    • Add-on Cardholders will be separately and additionally eligible for the Offer.

Lifestyle Benefits

  • Airport Lounge: 6 Domestic Airport Lounge Access and 4 International Airport Lounge Access in a year for free. There is no quarterly limit on free airport lounge access usage. There is no minimum spend requirement for free lounge access. Click Here for List of Lounges.
  • Golf Games: 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds. Click Here for more details.

Fuel Surcharge Waiver

Fuel Surcharge waiver on minimum spend of Rs.400 and maximum spend Rs.4,000 per transaction on fuel in any city and at any petrol pump in India

Forex Mark-up Charges

Get 4 reward points for every Rs.100 spent on international transactions (Equivalent to a valueback of 4% to 8%). There is a Forex Mark-up Charge of 4.13% (including GST) on international transactions. After adjusting the forex mark-up charges, the valueback is -0.13% to 3.87%.

Reward Redemption

  • Airmiles or Hotel Points: This is the best option to redeem reward points of HSBC Travel One Credit Card. You can instantly convert Reward points to Airmiles (or hotel points) wherein 1 reward points is equals to 1 Airmile or Hotel point. There are 15 airmiles and 5 hotels programs to transfer the reward points. Among this, the most rewarding program is Accor hotel’s ALL program wherein 1 Point’s value is more than Rs.2. Check-out full list of Airmiles and Hotel points partners through this link – Click Here
  • HSBC Travel Portal Bookings: Pay for flights booking, hotel booking or car rental at 1 Reward Point = Rs.0.30 on HSBC Travel Portal. You can make upto 100% of payments using reward points. The HSBC Travel portal offers best price guarantee and refund the price difference if you find any flight or hotels are lower price on any other source within 24% of booking. It offers, very low convenience fee, 100% refund on booking cancellation option, no foreign exchange fee etc. This increases the effective savings even more.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 5899
Renewal fee
(INR including GST)
₹ 5899
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 800000

Pros

Aspects that make this credit card amazing.

  • Extremely high reward rate on flights and hotel booking if booked through HSBC Travel Portal. The reward rate becomes double if redeemed on Accor hotel.
  • The HSBC Travel portal offers best price guarantee and refund the price differennce if you find any flight or hotels are lower price on any other source within 24% of booking. It offers, very low convenience fee, 100% refund on booking cancellation option, no foreign exchange fee etc. This increases the effective savings even more.
  • Accelerated reward points are applicable on booking done through travel aggregators also such as MakeMyTrip, Yatra.com etc.
  • Double Benefit – Instant Discount plus Accelerated Reward points on Travel Aggregators
  • Wide range of airmiles and hotel points transfer partner. Plus points are instantly transferred to Airlines and Hotel programs.
  • Accor All Program which is loyalty program of Accor Group of Hotels is included for points redemption. This gives approximately. Rs.1.9 value for each reward point (2,000 Acoor Points = EUR 40) which effectively enhances value back on this credit card by whopping 80%.
  • Instant Discount Offers on popular flights and hotels bookings sites & apps.
  • Decent number of airport lounges access.
  • Wide Lounge Network: Almost all domestic airport lounges ae accessible through this credit card

Cons

Aspects this credit card lacks.

  • No renewal benefit on renewal fee payment. It may concern people who cannot meet the fee waiver criteria (Rs.8 Lacs spend in previous year.

Spend Categories with No Cashback / Rewards

No reward points on spending in the following categories. However, this credit card gives reward points on giftcards. Users can purchase giftcards

  • Education and government (9399, 8299, 8220, 8211, 8241, 8244, 8249, 9222, 9402, 9211, 9405)
  • e-wallets (6540)
  • Financial institutions (6010-6012)
  • Fuel (5541, 5983, 5172, 5542, 5552)
  • Insurance (6300, 5960)
  • Jewellery (5944, 5094)
  • Money transfers (4829)
  • Non-financial institutions (6051)
  • Real estate agent and realrela-estateestate managers (6513), rent payment
  • Tax payments (9311)
  • Utilities (4900)

Add-on Cards

  • Free Add-on cards available

Eligibility Criteria

  • Age – 18 years to 65 years
  • Minimum Annual Income – Rs. 4,00,000
  • Resident Indian
  • City of Residence – Bengaluru, Chennai, Gurugram, Hyderabad, Mumbai, New Delhi, Noida, Pune, Chandigarh, Kolkata, Jaipur, Ahmedabad, coimbatore and kochi.
  • Employment – Salaried individuals only

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4.6/5)

SpendWisely’s Rating for this Credit Card

(4.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(5)
Ease of Reward Redemption
(4)
Value for Money
(5)
Customer Service
(4)

HSBC TravelOne Credit Card is one of the most rewarding travel credit cards in India. It offers both instant discounts and accelerated airmiles / Hotel points on booking done through popular travel aggregators such as MakeMyTrip, EaseMyTrip, ClearTrip etc and HSBC’s own travel portal. In fact, the reward rate on this card on flight and hotel booking is even higher than super premium credit cards like HDFC Infinia or ICICI Emeralde Metal Private Credit Card. Furthermore, the HSBC Travel portal offers lowest price guarantee, reimbursement of price difference, low convenience fee on flights and option to take upto 100% refundable bookings. This makes effective benefits even higher.

Additionally, this card also provides useful lifestyle benefits such as buy one get one movie tickets, free golf games and lessons, discount on dining, discounts on duty free shopping etc.

Overall, this is a great travel and lifestyle credit card. If you travel by flights, go on vacations and enjoy these lifestyle benefits, you should definitely take this credit card.

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(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 2950
Renewal fee
(INR including GST)
₹ 2950
Base Reward Rate
1.33%
Accelerated Reward Rate
13.33%
(3.8/5)
Categories:
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 2950
Renewal fee
(INR including GST)
₹ 2950
Base Reward Rate
1.33%
Accelerated Reward Rate
13.33%
Full Details
(4.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
2%
Accelerated Reward Rate
5%
(4.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
2%
Accelerated Reward Rate
5%
Full Details
(3.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
1%
Accelerated Reward Rate
3.42%
(3.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 3540
Base Reward Rate
1%
Accelerated Reward Rate
3.42%
Full Details
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 2360
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 3540
Renewal fee
(INR including GST)
₹ 2360
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
Full Details
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 7670
Renewal fee
(INR including GST)
₹ 4130
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 7670
Renewal fee
(INR including GST)
₹ 4130
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
Full Details
(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 1769
Renewal fee
(INR including GST)
₹ 1769
Base Reward Rate
1.5%
Accelerated Reward Rate
10%
(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 1769
Renewal fee
(INR including GST)
₹ 1769
Base Reward Rate
1.5%
Accelerated Reward Rate
10%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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HSBC Travel One Credit Card

HSBC TravelOne Credit Card

(4.6/5)