HSBC TravelOne Credit Card
HSBC India · Visa · Premium card
A clean, single-purpose travel card: direct partner transfers without the tiering complexity of Atlas or Magnus.
Frequent flyers who want straightforward airline/hotel point transfers without tier-chasing.
Terms checked 21 Sept 2026
- Annual fee
- ₹4,999 + GST
- Joining fee
- ₹4,999 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 2% |
| International spending | 2% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Subscriptions & streaming | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹8,00,000 annual spending
- Monthly income requirement
- Approx. ₹50,000/month salaried · ₹1,00,000/month self-employed
Airport lounge access
6 domestic airport lounge visits per year • 4 international airport lounge visits per year
6 domestic airport lounge visits per year · Issuer card
Guest access: Chargeable
4 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Movies and entertainment
District · Buy one, get one · up to ₹200 · 2 uses/month
Availability: Current District offer is published through 31 December 2026..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Airline and travel-agency rewards
Usage-based value4 points per ₹100 applies only to eligible airline and travel-agency MCCs.
Conditions: 4 points per ₹100 applies only to eligible airline and travel-agency MCCs.
Foreign-currency rewards
Usage-based value4 points per ₹100 on eligible foreign-currency transactions.
Other eligible rewards
Usage-based value2 points per ₹100 on other eligible retail purchases.
4 points per ₹100 on eligible airline, travel-agency and foreign-currency spend
Shown without a cash value2 points per ₹100 on other eligible spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹4,999₹4,999 annual fee before applicable tax.
Joining fee
Cost ₹4,999₹4,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹4,999Annual fee may be waived after ₹8,00,000 of eligible annual spending.
Conditions: Reach ₹8,00,000 eligible annual spending
Welcome benefits · 3 items
₹1,000 welcome cashback
Recorded value ₹1,000Cashback in the current introductory package.
Conditions: Apply during the published offer period · Spend ₹25,000 within 30 days of card issuance
₹3,000 Postcard Hotels voucher
Recorded value ₹3,000Postcard Hotels voucher in the current introductory package.
Conditions: Apply during the published offer period · Spend ₹25,000 within 30 days of card issuance · Voucher restrictions and validity apply
Three months of EazyDiner membership
Shown without a cash valueComplimentary EazyDiner membership in the current introductory package.
Conditions: Apply during the published offer period · Spend ₹25,000 within 30 days of card issuance
Spend milestones · 1 item
10,000 points above ₹12 lakh annual spend
10,000 reward unitsUnlocked after ₹12,00,000 of eligible spending.
Conditions: Reach ₹12,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value6 visits per year through Issuer card. Guest access: chargeable.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: chargeable.
Movies and entertainment · 2 items
District movie offer
Usage-based · up to ₹4,800Buy one, get one offer up to ₹200, 2 times per month. Current District offer is published through 31 December 2026.
10% District events and dining savings up to ₹1,000 monthly
Shown without a cash value
Travel privileges · 1 item
Partner travel discounts
Shown without a cash value
Golf · 1 item
Four golf rounds and twelve lessons per year, maximum one benefit monthly
Shown without a cash value
Insurance and protection · 2 items
Purchase protection up to USD 20,000 per year
Shown without a cash valueLost-card misuse protection up to ₹3 lakh under the service guide
Shown without a cash value
Memberships · 1 item
Up to 30% EazyDiner discount, capped at ₹1,000
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open.
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 4 points per ₹100 on eligible airline, travel-agency and foreign-currency spend
- ✓ 2 points per ₹100 on other eligible spend
- ✓ 6 domestic and 4 international lounge visits yearly
- ✓ 10,000 milestone points above ₹12 lakh anniversary-year spend
What to watch
The ₹4,999 renewal fee is waived only above ₹8 lakh eligible anniversary-year spend. Many regulated categories earn no points, and partner-transfer value varies.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Gold Jewellery · Rent · Insurance · Wallet load · Government payments · Tax payments · Money transfer · Financial institutions · Non financial institutions · Merchant emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026