India’s airmiles credit card scene has grown significantly from its early days. Today, there are several rewarding options, including Infinia, Magnus Burgundy, and Atlas. HSBC has also entered the travel credit card market with the launch of the HSBC TravelOne Credit Card.
With a joining and annual fee of ₹4,999 + GST, this card offers 2 to 4 reward points per ₹100 spent, which can be transferred at a 1:1 ratio to various airline and hotel loyalty programs. Cardholders can also enjoy a milestone bonus of 10,000 reward points upon reaching specified spending targets, along with complimentary access to domestic and international airport lounges.
Read on for a detailed review of the HSBC TravelOne Credit Card!
Eligibility
- Age: 18-65 years old
- Annual income of Rs 4 Lakh per annum for salaried individuals
- City of Residence: Chennai, Gurgaon, Delhi National Capital Region (NCR), Pune, Noida, Hyderabad, Mumbai, Bangalore, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad or Kolkata
Fees
| Joining Fee | ₹4999+GST |
| Welcome Benefit | ₹1000 cashback The Postcard Hotel voucher worth ₹3000 3 months EazyDiner Prime Membership 3000 bonus RP on Rs 1 Lakh spend within 90 days |
| Annual Fee | ₹4999+GST |
| Annual Fee Waiver | On Rs 8 Lakh spend |
The welcome benefits offer good value for the joining fee. However, from the second year onwards, an annual fee waiver is only available upon spending ₹8 lakh or more. Notably, the HSBC TravelOne Credit Card does not provide any renewal benefits.
Rewards
| Spend Category | Rewards |
|---|---|
| Flights, Hotels, Travel Aggregators & Foreign Currency Spends | 4 RP/₹100 |
| Other Spends | 2 RP/₹100 |
| Government Spends, Education, Wallets, Financial Institutions, Fuel, Insurance, Jeweler, Real Estate, Tax Payments, Utilities | No Reward Points |
- You can earn 4 RP per ₹100 on flights, hotels, travel aggregators, and foreign currency spends, with a monthly cap of 50,000 RP – equivalent to ₹12,50,000 in spending, which is quite generous. Beyond this limit, the earnings drop to 2 RP per ₹100 spent.
Milestone Benefits – Earn 10,000 Bonus RP with ₹12 Lakh Annual Spend
With the HSBC TravelOne Credit Card, you can earn 10,000 bonus reward points by spending ₹12 lakh in a year. The best part? All spends count toward this milestone, including categories like insurance, education, and utilities, which typically don’t earn base rewards on the TravelOne credit card.
By reaching this spending threshold, you effectively gain an additional reward rate of 0.83%, along with an annual fee waiver making it a great incentive for high spenders.
Extra Savings on Travel with HSBC TravelOne
The HSBC TravelOne Credit Card offers exclusive discounts on flights and hotels booked through popular travel aggregators. Combined with the base rewards of 4 RP per ₹100, this creates a double-dip opportunity – you earn reward points while also enjoying up to 15% off on bookings. If you frequently use travel aggregators for your flights and hotel stays, this card provides significant savings. The current travel aggregators where we have offers are Yatra, EaseMyTrip, Paytm, ClearTrip and StayVista.
With these benefits, the HSBC TravelOne Credit Card is a great choice for frequent travelers looking to maximize savings and rewards on their bookings.
Dining & Movies Offer on Zomato & District
| Events | Dining | Movies | |
|---|---|---|---|
| Offer | 10% discount up to ₹1000 | 10% discount up to ₹1000 | Buy 1 Get 1 free up to ₹200 on the 2nd ticket |
| Promo Code | HSBCTOEVENTS | HSBCTODINING | HSBCTOMOV |
| Validity | Once per card per calendar month | Once per card per calendar month | Twice per card per calendar month |
Complimentary Airport Lounge Access
- Domestic Airport Lounge Access: 6 visits/year with Mastercard
- International Airport Lounge Access: 4 visits/year with LoungeKey.
The HSBC TravelOne card grants access to domestic airport lounges such as Loyalty Lounge, Adani Lounge, Earth Lounge, Travel Club Lounge, Encalm Lounge, Bird Lounge, and more located in major airports including Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Kolkata, Pune, and others. The complete list of eligible airport lounges for domestic airport lounge access is available at this link.
HSBC TravelOne Credit Card Airline Transfer Partners
| Airline | Program Name | Reward points equal to 1 mile |
|---|---|---|
| Air India | Air India Maharaja Club | 1 |
| Jet Airways | InterMiles | 1 |
| Air Asia | airasia rewards | 1 point = 3 miles |
| Air Canada | Aeroplan | 1 |
| Air France–KLM | Flying Blue | 1 |
| British Airways | British Airways Executive Club | 1 |
| Etihad Airways | Etihad Guest | 1 |
| EVA Air | Infinity MileageLands | 1 |
| Hainan Airlines | Hainan Airlines Fortune Wings Club | 1 |
| Japan Airlines | JAL Mileage Bank | 1 |
| Singapore Airlines | Singapore Airlines Krisflyer | 1 |
| Qantas Airways | Qantas Frequent Flyer | 1 |
| Qatar Airways | Qatar Airways Privilege Club | 1 |
| Thai Airways | Royal Orchid Plus | 1 |
| Turkish Airlines | Turkish Airlines Miles&Smiles | 1 |
| United Airlines | United MileagePlus | 1 |
| Vietnam Airlines | Vietnam Airlines Lotusmiles | 1 |
HSBC TravelOne Credit Card Hotel Transfer Partners
| Hotel groups | Program Name | Reward points equal to 1 loyalty point |
|---|---|---|
| Accor | ALL – Accor Live Limitless | 1 |
| IHG® Hotels & Resorts | IHG One Rewards | 1 |
| Marriott International | Marriott Bonvoy | 1 |
| Shangri-La | Shangri-La Circle | 5 |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1 |
Conclusion
The HSBC TravelOne Credit Card is a solid addition to HSBC India’s credit card lineup, complementing existing options like the LTF Platinum, Cashback+ (offering 10% cashback), and Premier (designed for HNI customers). With TravelOne, HSBC now provides a well-rounded selection for different customer needs.
When comparing rewards and fees, HSBC TravelOne stacks up against the Axis Atlas card. While Axis Atlas allows you to earn more airmiles per rupee spent, it comes with an annual cap on transferring points to airline and hotel loyalty programs. This is where HSBC TravelOne stands out – it enables users to boost their airmiles earning and transfer capacity without such restrictions. Once you reach the Axis Atlas transfer limit, TravelOne can be a valuable secondary card for earning and transferring airmiles to the same loyalty partners, maximizing your travel rewards.
HSBC TravelOne Credit Card
