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.

Rates and fees last verified 14 September 2026.

Annual fee

₹4,999

Joining fee

₹4,999

Reward type

points

Base reward rate

Card network

Mastercard

Card tier

Mid

Reward rates by category

Travel4%

Eligibility

Minimum credit score: 700
Minimum monthly income: ₹50,000
Employment: salaried, self-employed
Age: 21–60

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

Apply on HSBC India's site

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