HSBC
HSBC TravelOne Credit Card
MastercardCredit CardMassAvailable
Apply Now →Annual Fee
₹4,999
Best Reward
10000× Accelerated
Lounge Access
Yes
Min Income
₹6.0L
Highlights
- • Earns 4 reward points per ₹100 spent on flights, travel aggregators, and foreign currency transactions — accelerated returns on travel spending.
- • Offers instant reward-point redemption across an extensive network of airline and hotel partners directly within the HSBC India mobile app.
- • Includes 6 domestic and 4 international complimentary airport lounge visits per year, plus up to USD20,000 purchase protection annually.
Things to note
- • Carries a joining fee and annual fee of ₹4,999, waived only when annual spend exceeds ₹800,000 in the preceding year.
- • Requires minimum annual income of ₹600,000 (salaried) or ₹1,200,000 (self-employed), excluding lower-income applicants.
- • Restricted to residents of specific listed Indian cities, so applicants outside those locations cannot apply.
Who is this card for?
Frequent travellers seeking accelerated travel rewards, instant point redemption with airline/hotel partners, and airport lounge access.
About this card
This card offers accelerated reward points on travel spend, instant point redemption with airline/hotel partners, complimentary airport lounge access, purchase protection, golf privileges, and welcome benefits stated as worth up to ₹1.6 lakhs a year.
Base Rate
2 flatReward Points
Get 2 reward points for every INR100 spent on anything else, with no cap. T&Cs apply.
Exclusions: Not applicable on IEMI transactions and several other categories.
Bonus Categories
10000 flat
Reward Points
Accelerated
Min spend: ₹12,00,000/yr
Earn 10,000 bonus reward points when you spend more than INR1,200,000 a year. T&Cs apply.
Exclusions: As per the HSBC T&Cs.
4 flat
Reward Points
International
Earn 4 reward points for every ₹100 spent on flights, travel aggregators and in foreign currency.
Exclusions: Not applicable on IEMI transactions, not reinstated on IEMI cancellation/pre-closure.
6×
Reward Points
Travel
Applicable on hotels, flights, car rentals via "Travel with Points."
Exclusions: As per the HSBC T&Cs.
🔒
Purchase Protection
Purchase Protection
Get up to USD20,000 purchase protection every year.
As per the HSBC Purchase Protection Policy.
⛳
Complimentary Golf
Golf
Enjoy 4 complimentary rounds of golf and 12 complimentary lessons per calendar year. Plus, get 50% off your green fees for additional rounds.
Maximum 1 per calendar month.
Exclusions: As per the HSBC T&Cs.
✈️
Airport Lounge Access
Lounge
Get 6 local and 4 international airport lounge visits every year.
As per the HSBC's published lounge list.
Exclusions: As per the HSBC T&Cs.
Joining
Charged on card issuance.
₹4,999
Annual
Waived if spend > ₹800,000 in preceding year.
₹4,999
Salaried
GuidelineMin. annual income ₹600,000. Latest salary slip required.
₹6,00,000/yr · 18–65 yrs
Self-Employed
GuidelineMin. annual income ₹1,200,000.
₹12,00,000/yr · 25–65 yrs
City
GuidelineChennaiGurgaonDelhi NcrPuneNoidaHyderabadMumbaiBengaluruKochiCoimbatoreJaipurChandigarhAhmedabadKolkataAmritsarBarodaIndoreLucknowNagpurSuratTrivandrum.
💰Cashback
Welcome Cashback
Check terms for expiry
Download and log on to the HSBC India Mobile Banking app and spend ₹25,000 within the first 30 days of opening your credit card account.
Introductory Offer T&Cs apply.
🎟️Voucher
PostCard Hotel Voucher
Check terms for expiry
Download and log on to the HSBC India Mobile Banking app and spend ₹25,000 within the first 30 days of opening your credit card account.
Introductory Offer T&Cs apply.
🏷️Fee Waiver
Annual Fee Waiver
Check terms for expiry
Waived if spend > ₹800,000/year.
Based on cumulative annual spend.
⏰Limited Time
Amazon eGift Voucher (Video KYC)
Valid until 31 Oct 2026
For online applicants completing VKYC, on approval/issuance.
Offer period 1 Jan 2026–31 Oct 2026, voucher issued within 45 days of offer end, valid 6 months, non-transferable, non-reloadable, not redeemable for cash.
Good to know
- • Reward points don't apply on Instant EMI (IEMI) transactions, and points/cashback aren't reinstated if an IEMI is cancelled or pre-closed. Card issuance is further restricted to specified cities and age/income criteria.
Ready to apply for HSBC TravelOne Credit Card?
You will be redirected to the official HSBC India application page.
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