HSBC

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HSBC TravelOne

travel

HSBC · Premium

HSBC TravelOne

travel 3pts/₹100 on Travel & Lifestyle 8 lounge visits

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The bottom line

First-year value

+₹1,410.00

incl. joining fee

Ongoing / yr

+₹1,410.00

after ₹3,000.00 fee

Fee payback

~9 mo

rewards cover the fee

Why it fits: your spend is 30% in this card's accelerated categories — strongest on Travel & Lifestyle, worth roughly 1 lounge visits worth of value.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400

₹32,960Your spend₹1,64,800

Annual reward

₹4,410

Annual fee

₹3,000

Net value

+₹1,410

View category breakdown

Travel & Lifestyle₹4,410/yr@ 3pts/₹100

Reward rates

Travel & Lifestyle3 pts/₹100

Key facts

Annual fee

₹3,000.00

Joining fee

₹3,000.00

Interest (p.m.)

3.49%

Forex markup

3.5%

Domestic lounge

8/yr

Intl lounge

4/yr

Fuel waiver

1% (₹250/mo cap)

Min CIBIL

730+

Welcome benefit

2,000 welcome points on fee payment

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS

Parameter	Value	Note
Loan/credit product	HSBC HSBC TravelOne Credit Card	Product name
Annual Percentage Rate (APR)	41.88% p.a.	Effective cost of credit on outstanding balance
Monthly finance charge	3.49% per month on outstanding	Applied after interest-free period lapses
Interest-free period	Up to 50 days (if full due paid by due date)	No interest when bill settled in full each cycle
Annual fee / joining fee	₹3,000 joining · ₹3,000 annual	Charged on first statement and each anniversary
Minimum amount due (MAD)	5% of total outstanding or ₹200 (whichever is higher)	Paying only MAD incurs finance charge on remaining balance
Late payment charge	₹100–₹1,300 depending on outstanding amount	Levied if MAD not paid by due date
Cash advance fee	2.5% of amount or ₹500 (whichever is higher)	Plus finance charge from day of withdrawal
Forex markup fee	3.50% on international / foreign-currency transactions	Over and above the card network exchange rate
Over-limit fee	2.5% of over-limit amount or ₹550 (whichever is higher)	If spend exceeds sanctioned credit limit
Representative example	₹10,000 outstanding for 12 months at 3.49%/month = total repayable ₹12,411 (APR 41.88%)

Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.

All cards

Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The HSBC TravelOne Credit Card is a premium travel card designed for frequent flyers and lifestyle spenders in India. It rewards you with accelerated points on travel and lifestyle categories while offering complimentary lounge access at domestic and international airports. Whether you travel for business or leisure, the TravelOne card aims to make every journey more rewarding.

Key benefits

Key Benefits

Complimentary Lounge Access: 8 domestic lounge visits and 4 international lounge visits per year, keeping you comfortable at the airport.
Welcome Bonus: Earn 2,000 welcome reward points upon payment of the joining fee.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions, capped at ₹250 per month, helping reduce everyday fuel costs.
Travel & Lifestyle Focus: Accelerated reward earning on the spending categories that matter most to travellers.

Rewards

Reward Points Structure

3 reward points for every ₹100 spent on Travel & Lifestyle categories.
Welcome benefit of 2,000 points credited on payment of the joining fee.

> Reward points accumulation and redemption are subject to HSBC's terms and conditions. Please refer to the HSBC website for the full list of eligible merchant categories under Travel & Lifestyle and for redemption options.

Fees & charges

Fees & Charges

| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Finance Charge (Interest) | 3.49% per month |
| Forex Markup Fee | 3.5% of transaction value |
| Fuel Surcharge Waiver Cap | ₹250 per month |

Note: The 3.49% monthly finance charge is applicable on revolving credit and cash advances. Carrying an outstanding balance significantly increases the cost of credit. The 3.5% forex markup applies to all international transactions.

Features

Card Features

Card Type: Premium Travel Credit Card
Issuing Bank: HSBC India
Lounge Access: 8 domestic + 4 international visits per year
Fuel Surcharge Waiver: 1% waiver, up to ₹250/month
Welcome Points: 2,000 points on joining fee payment
Reward Rate: 3 points per ₹100 on Travel & Lifestyle spends
Foreign Currency Transactions: 3.5% forex markup applies

Eligibility

Eligibility Criteria

To apply for the HSBC TravelOne Credit Card, you must meet the following minimum requirements:

Minimum Annual Income: ₹4,00,000
Minimum CIBIL Score: 730
Residency: Indian resident (as per HSBC's application criteria)

Meeting the minimum criteria does not guarantee card approval. HSBC will assess your complete credit profile, including existing liabilities and repayment history, before making a credit decision.

Terms

Terms & Conditions

All fees, interest rates, reward structures, and benefits listed on this page are based on publicly available information at the time of publishing and are subject to change at HSBC's discretion.
Reward points are governed by HSBC's TravelOne Rewards Programme terms. Points may have an expiry date and are subject to redemption conditions.
Lounge access benefits are subject to the terms of the applicable lounge access programme and may be revised by HSBC or the programme provider.
The fuel surcharge waiver is limited to ₹250 per statement cycle and applies only to eligible fuel transactions.
The finance charge of 3.49% per month applies to unpaid balances. Cardholders are advised to pay their full outstanding balance each month to avoid interest charges.
Terms and conditions apply. Naxelona is a financial products marketplace and not the card issuer. Please refer to HSBC India's official website or your cardholder agreement for the complete and current terms governing the HSBC TravelOne Credit Card.

Frequently asked questions

What is the annual fee for the HSBC TravelOne Credit Card?

The HSBC TravelOne Credit Card has both a joining fee and an annual renewal fee of ₹3,000 each. The joining fee is charged when you first receive the card, and the annual fee is charged each subsequent year.

How many lounge visits does the HSBC TravelOne card offer?

The card provides 8 complimentary domestic airport lounge visits and 4 complimentary international airport lounge visits per year. These visits are subject to the terms of the applicable lounge access programme.

What is the minimum income and CIBIL score required to apply?

You need a minimum annual income of ₹4,00,000 and a CIBIL score of at least 730 to be eligible to apply for the HSBC TravelOne Credit Card. Meeting these criteria does not guarantee approval, as HSBC evaluates your overall credit profile.

How are reward points earned on the HSBC TravelOne card?

You earn 3 reward points for every ₹100 spent on Travel & Lifestyle categories. Additionally, you receive 2,000 welcome reward points upon payment of the joining fee. Reward earning on other spend categories and redemption options are governed by HSBC's rewards programme terms.

What forex markup does the HSBC TravelOne card charge on international transactions?

The HSBC TravelOne Credit Card charges a foreign currency markup (forex markup) of 3.5% on all international transactions. This fee is applied on top of the transaction amount converted to INR at the prevailing exchange rate.

What is the interest rate if I do not pay my HSBC TravelOne bill in full?

If you carry a balance or do not pay your full outstanding amount by the due date, a finance charge of 3.49% per month is applied to the unpaid balance. This can add up significantly over time, so it is advisable to pay your full bill each month to avoid interest charges.