All cards / HSBC India
HSBC TravelOne Credit Card
A miles-focused travel card with a genuine 1:1 airline transfer program across 14+ partners and solid lounge access, aimed at frequent flyers willing to pay a moderate annual fee that's waived only at high spend levels.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
2%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: Reward points convert 1:1 into airline miles across 14+ partner airlines; 15% off flight/hotel bookings on Yatra, EaseMyTrip, Paytm and Cleartrip
- Domestic lounge access: 6 complimentary domestic airport lounge visits per year via LoungeKey
- International lounge access: 4 complimentary international airport lounge visits per year via LoungeKey
Benefits by category
- ✈️ Travel
4% reward rate · 6 complimentary domestic + 4 international airport lounge visits per year via LoungeKey
- 🏨 Hotel
15% off flight/hotel bookings on Yatra, EaseMyTrip, Paytm and Cleartrip
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher; interest accrues from the date of withdrawal
Benefits
- 6 complimentary domestic + 4 international airport lounge visits per year via LoungeKey
- ₹1,000 cashback, ₹3,000 PostCard voucher, and 3-month EazyDiner Prime membership on ₹25,000 spend within 30 days
- Reward points convert 1:1 into airline miles across 14+ partner airlines including Air India, Singapore Airlines and British Airways
- 15% off flight/hotel bookings on Yatra, EaseMyTrip, Paytm and Cleartrip
Pros
- + 1:1 points-to-miles transfer across many airline partners
- + 6 domestic + 4 international lounge visits/year
- + Useful travel-portal discounts
Cons
- − ₹8 lakh annual spend needed to waive the fee
- − 3.5% forex markup despite being a travel card
- − Welcome benefits are modest relative to the joining fee
Best for
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