Route spending through 4 Reward Points per INR 100 on travel spends; effective rate shown at INR 0.50 per point using Travel with Points value.
Earn 2.0× here — 2.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Travel & Lifestyle
HSBC · HSBC TRAVELONE CREDIT CARD
HSBC TravelOne Credit Card
ANNUAL FEE
₹4,999 waived at ₹8L spend
FIRST-YEAR NET VALUE
₹34,200 for a mid spender · travel
HSBC TravelOne
VISA
Updated 2026-02-24 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HSBC's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹34,200 first-year net value · mid spender · travel
Category rewards ₹25,200
Milestone bonus· 10,000 bonus Reward Points + ₹5,000
Welcome benefit· Welcome reward points ₹4,000
Annual fee − ₹4,999
Fee waiver (met)· Annual fee waived on annual retail spends of INR 8,00,000 or more ₹4,999
Net first-year value ₹34,200
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 2 pts 2 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.0% back
4 Reward Points per INR 100 on travel spends; effective rate shown at INR 0.50 per point using Travel with Points value · 2.0%
4 Reward Points per INR 100 on international/foreign currency spends; effective rate shown at INR 0.50 per point using Travel with Points value · 2.0%
Everything else (base) · 1.0%
MILESTONES Cumulative bonuses at annual spend tiers
₹12L 10,000 bonus Reward Points
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HSBC tweaks the program.
Line up your ₹8L before renewal.
Crossing ₹8L in the anniversary year waives the ₹4,999 fee — automatic for spenders at ₹66,667+/month. Watch your pace in months 10–12.
Don't sleep on 4 Reward Points per INR 100 on international/foreign currency spends; effective rate shown at INR 0.50 per point using Travel with Points value.
The second tier earns 2.0× (2.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹4,999 · + 18% GST · one-time
Annual fee (year 2+) ₹4,999 · waived at ₹8L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
6 domestic + 4 international visits per year. Primary cardholder.
Welcome voucher
₹4,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹8L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.