Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank Visa
Rewards 1.0%
Net Value ₹8,304
Joining Fee ₹1,499
Renewal Fee ₹0
12 lounge visits • Forex 3.5%
HSBC TravelOne Credit Card
HSBC
Travel rewards credit card
Joining Fee
₹4,999
+ 18% GST
First Year Net
+₹1,742
Annual Fee
₹4,999
+ 18% GST
Renewal Net
-₹2,258
Base Reward Rate
1.0%
2 points per ₹100
Best Category
2.0%
Final Net Score
15
out of 100
Net Annual Value
+₹3,641
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
15/100
Effective Reward Rate
Weighted average based on your spending categories
1.1%
Annual Net Value
Expected yearly benefit after all costs
₹3,641
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Travel rewards credit card
Launch Date
2023
Networks
Visa Signature
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
ConsiderYou are close to the spend level where this card starts making sense.
Consider from
₹30,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹3,641
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 66,667 monthly spend.
- Top earning category: international has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
HSBC TravelOne Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹4,999
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 15/100
HSBC TravelOne Credit Card - Frequently Asked Questions
What are the benefits of HSBC TravelOne Credit Card?
HSBC TravelOne Credit Card from HSBC offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for HSBC TravelOne Credit Card?
HSBC TravelOne Credit Card is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does HSBC TravelOne Credit Card cost?
The annual fee for HSBC TravelOne Credit Card is ₹4,999. Additional charges may include foreign transaction fees and late payment charges.
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