Overview
The HSBC TravelOne Credit Card is among the best travel credit cards in India in mid-range premium category, offering exceptionally high reward rates on both flights and hotel bookings. Its rewards on flights and hotels 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 usable not just for frequent flyers but also for beginners who may not know much about the airmiles redemptions, but can easily use the reward points for flight & hotel booking using HSBC App.For those who are into the airmiles and hotel points redemption, 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 more than Rs.2 (2,000 Accor points = EUR40), significantly boosting the overall value proposition of this card.
Pros
- 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.
- 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
- 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).
- Sometimes, price on HSBC Travel portal may be higher than other online travel aggregator platforms or airlines/hotel's own websites. So, user should check the price difference for high value bookings.
Fees & Charges
Joining / Annual Fee
₹ 5,899
Renewal Fee
₹ 5,899
Annual Spend Target for Fee Waiver
₹ 800,000
Minimum Annual Income Required
₹ 400,000
Rewards and Benefits
Reward Rate
2% to 4% Base Reward Rate, 18% to 36% on Flights, 24% to 48% on Hotel Bookings
Base Reward Rate
2%
Accelerated Reward Rate
24%
Welcome 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 and 3 months EazyDiner Prime Membership.
Renewal Benefits
No Renewal Benefits
Rewards & Cashback Details
- 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. This is equivalent to 24% to 48% Valueback. If redeemed on Accor Hotels, net valueback increases to 48%.
- Flights: Get 16 Reward Points (= 16 Airmiles or 16 Hotel Points) on Rs.100 Spent on Flight booking through HSBC Travel Portal. This is equivalent to 16% to 32% Valueback. If redeemed on Accor Hotels, net valueback increases to 32%.
- 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 16%.
- Travel Spend on Sites/Apps other than HSBC Travel Portal: Get 4 reward points for every Rs.100 spent on flights and travel aggregators. This is equivalent to 4% to 8% Valueback. If redeemed on Accor Hotels, net valueback increases to 8%.
- 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. This is equivalent to 2% to 4% Valueback. If redeemed on Accor Hotels, net valueback increases to 4%.
- 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 2026
- 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 2026
- 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 2026
- 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 Goibibo
- 15% Instant Discount upto Rs.3,000 on Domestic Flight Booking, twice per year
- 15% Instant Discount upto Rs.3,000 on Domestic Hotel Booking, twice per year
- 15% Instant Discount upto Rs.3,000 on Domestic Home Stays and Villas Booking, twice per year
- 15% Instant Discount upto Rs.5,000 on International Flight Booking, twice per year
- 15% Instant Discount upto Rs.5,000 on International Hotel Booking, twice per year
- 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 2026
- The Bicester Collection Villages
- Exclusive privileges at The Bicester Collection Villages which includes access to eVIP pass discounts, hands-free shopping, sale events and reserved parking.
- Click here for more details.
- 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 2026
- Dining Discount on Zomato App
- 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTODINING)
- Offer till 31st December 2026
- Event Ticket Discount on Zomato District App
- 10% Instant Discount upto Rs.1,000 Once per month (Promo Code: HSBCTOEVENTS)
- Offer till 31st December 2026
- Discount at Adani 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.
Rewards 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.
Additional Benefits
Domestic Airport Lounge
International Airport Lounge
Movie Benefits
Dining Benefits
Golf Benefits
Railway Lounge Access
Lifestyle Benefits Details
- Airport Lounge Access: 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.
- Golf: 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.
Fuel Surcharge Waiver
Information about Fuel surcharge waiver is not available explicitly on HSBC's website. Information about Fuel surcharge waiver is not available explicitly on HSBC's website.Forex Mark-up
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%.Features & Benefits
Cashback
Reward Points
Airmiles
Airport Lounge
Gift Cards
Rewards on EMI
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Jewellery
Wallet Load
No Cashback / Rewards Categories
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)
Eligibility & Important Info
Eligibility Criteria
- Age - 18 years to 65 years
- Minimum Annual Income – Minimum income of INR 600,000 per year for salaried individuals or INR 12,00,000 per year for self-employed individuals
- Resident Indian
- City of Residence – Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bengaluru, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata, Amritsar, Baroda, Indore, Lucknow, Nagpur, Surat or Trivandrum
Important Links
- HSBC Travel Portal: Click here for details. Actual portal accessible through HSBC Mobile Banking App.
- List of Accessible Airport Lounges: https://www.hsbc.co.in/content/dam/hsbc/in/documents/lounge-list-tnc.pdf
- Golf Benefit Details: Click here
- Joining Offer Terms & Conditions: Click here
- Accelerated Reward Points Terms & Condition: Click here
- Milestone Benefit Terms & Condition: Click here
- Airport Transfer Benefits Terms & Conditions: Click Here
Add-on Cards
- Free Add-on cards available
Media
Best Credit Card for Travel with Rs.14000 Joining Benefits | HSBC Travel One Credit Card
Classification
Card Issuer
Card Network
Card Purpose
Reward Type
Card Category
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