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HSBC TravelOne Credit Card
- Joining Fee: ₹4,999 + GST
- Renewal Fee: ₹4,999 + GST
- Best Suited For: Travel | Shopping
- Reward Type: Reward Points
- Welcome Benefites: ₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹10,000 Within 30 Days of Card Issuance. Additional 3,000 Points on Spending ₹1 Lakh Within 90 Days
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HSBC has been revamping and expanding its credit card portfolio in India, bringing a new breath to the travel and premium card segment. This includes the introduction of the new and improved Live+ Card and the launch of the premium HSBC Taj Credit Card. Now, HSBC has introduced a new travel-focused HSBC TravelOne Credit Card, which has already been quite successful in Singapore and Malaysia and will now be available in India. The HSBC TravelOne Credit Card requires a joining fee and an annual charge of ₹4,999 + GST (costing ₹5,898). It offers 4 Reward Points for every ₹100 spent on travel, including flights and international transactions. With easy and fast redemption options across multiple hotel and airline partners and a conversion ratio of 1:1, the card provides a strong reward rate of 4% for domestic travel transactions. However, it is important to note that the card carries a Forex charge of 3.5% for international transactions, which can significantly impact the overall rewards earned on such spending. All other eligible spends shall be awarded 4 Reward Points for every ₹100 spent. While the accelerated Reward Points earned for travel and international spending are capped at 50,000, there is no cap on Rewards for other spending with the base reward rate. Apart from a high reward rate for travel and other categories, this card also offers several travel and lifestyle-related perks such as complimentary airport lounge access, insurance benefits, recurring discounts on popular platforms, movie/dining offers, and more. Card Insider shall cover all these benefits along with all other vital aspects of this card in this detailed review of the HSBC TravelOne Credit Card.
New Features
Spend Based Waiver
Annual Fee is Waived on Spends of ₹8 Lakh Each Year
Interest Rates
Add-on Card Fee
Rewards Redemption Fee
N/A
Fuel Surcharge
Maximum Waiver of ₹250 Per Month
Foreign Currency Markup
Cash Advance Charges
Movie & Dining
Enjoy up to 10% off on events and dining through the Zomato app. Plus, get 2 for 1 movie tickets (max 2 times per month; max single ticket value INR200).
Travel
Save 15% on domestic and international holiday Bookings at Yatra, EaseMyTrip, PayTM Travel and ClearTrip Save up to 20% at select duty free stores in India. Save when booking your getaway at StayVista
International Lounge Access
Four Free International Airport Lounge Visits Each Year
Rewards Rate
4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Golf
Enjoy 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.
Insurance Benefits
Reward Redemption
Transfer RPs to Various Hotel and Airlines Partners at 1:1 Ratio
Domestic Lounge Access
Six Free Lounge Visits Each Year
Zero Liability Protection
Pros
There are no exclusions for the calculation of spending done for the ₹12 lakh milestone benefit. There are many hotels and airlines available to transfer Reward Point
Cons
Many users may not fully benefit from the welcome offer, as the ₹3,000 PostCard voucher is only applicable to those staying at PostCard hotels. Although this card offers a 4% reward rate for international spending, a 3.5% Forex charge negates those benefits.
