HSBC Bank
HSBC Travel One Credit Card
This is an invite only card
Apply and get ₹2200 Rewards
Top Benefits
Earn 10,000 Bonus Reward Points
on annual spends exceeding ₹12,00,000
Save up to 15% on Travel Bookings
on flight and hotel bookings with Yatra and EaseMyTrip, and 15% off on flight bookings with Paytm and Cleartrip
Best For
Dining
Travel
If you love exploring new destinations and want a travel partner that rewards you generously, the HSBC ...
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If you love exploring new destinations and want a travel partner that rewards you generously, the HSBC ...
If you love exploring new destinations and want a travel partner that rewards you generously, the HSBC Travel One Credit Card is an excellent choice. This Mastercard offers a robust rewards program specifically designed to maximize returns on your flight bookings, hotel stays, and international spending. By giving you accelerated points on travel aggregators and foreign currency transactions, it turns your regular travel expenses into your next vacation fund.
This credit card is aimed primarily at frequent flyers and global shoppers who want straightforward rewards without complicated tracking. The clear conversion rate of 1 Reward Point to Rs. 0.20 makes it easy to understand exactly how much you are saving. With strong welcome benefits and partner discounts on major travel portals, this card immediately offsets its initial costs while providing long-term value for the active traveler.
View FAQ
Commonly Asked Questions
Is the HSBC Travel One Credit Card lifetime free?
No, this card is not lifetime free. It comes with a joining fee of Rs. 4,999 and an annual fee of Rs. 4,999, which you can get waived by spending Rs. 8 lakh in a year.
Who should apply for this card?
Frequent domestic and international travelers who regularly book flights and hotels online. If you spend heavily in foreign currency or on travel aggregators, you will maximize the accelerated reward points.
What is the main advantage of this card?
The core advantage is earning 4 reward points per Rs. 100 spent on flights, travel aggregators, and foreign currency transactions, making it highly lucrative for travel-heavy spenders.
Is this a good first credit card?
Given the high income requirement of Rs. 4 lakh for salaried individuals and the premium Rs. 4,999 annual fee, this card is better suited for experienced credit card users rather than absolute beginners.
Expert Review
After thoroughly evaluating the HSBC Travel One Credit Card, my verdict is that it is a solid, straightforward product for the modern traveler. I particularly like the lack of ambiguity. Earning 4 points per Rs. 100 on travel with a fixed Rs. 0.20 value per point makes it incredibly easy to calculate returns without studying complex conversion charts. The welcome benefits are undeniably strong, immediately validating the initial Rs. 4,999 investment. Giving users direct discounts on Yatra and Cleartrip adds immediate tactical value to flight bookings.
However, the card does have noticeable flaws. For a premium travel card charging a Rs. 4,999 fee, the foreign exchange markup is a completely standard 3.5%. Many competitor travel cards in this fee bracket drop the forex markup to 2% or 1.5%. Furthermore, the Rs. 8 lakh annual fee waiver threshold is somewhat steep; requiring Rs. 66,000 in monthly spends puts it out of reach for conservative spenders. Ultimately, if you are a frequent flier who values robust flight discounts and straightforward point redemptions, this card deserves a place in your wallet. If you only travel once a year, the high fee and waiver target make it difficult to justify.
Joining/Annual Fee
Joining Fees
₹5,899 ( ₹4999 + GST )
Annual Fees
₹5,899 ( ₹4999 + GST )
Premium travel cards often carry higher fees, and the HSBC Travel One Credit Card is no exception. Howe...
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Premium travel cards often carry higher fees, and the HSBC Travel One Credit Card is no exception. Howe...
Premium travel cards often carry higher fees, and the HSBC Travel One Credit Card is no exception. However, the bank provides clear ways to offset these costs through benefits and spending milestones.
When your application is approved and the card is issued, a one-time joining fee of Rs. 4,999 plus applicable GST is charged to your first statement. From the second year onward, a recurring annual fee of Rs. 4,999 plus GST applies. Fortunately, the bank rewards heavy users by offering an annual fee waiver. If you spend Rs. 8 lakh or more in a year on your card, the renewal fee for the subsequent year is completely waived. To hit this Rs. 8 lakh target, you need to spend approximately Rs. 66,667 per month. While this might seem high for casual users, frequent travelers booking flights and hotels can reach this milestone comfortably.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 4,999 plus applicable GST, billed in your first statement.
Can the joining fee be waived?
The joining fee is mandatory, though the welcome benefits of over Rs. 4,000 effectively neutralize the initial cost.
Is there a welcome bonus to offset the joining fee?
Yes, by spending Rs. 10,000 in the first 30 days, you get Rs. 1,000 cashback and a Rs. 3,000 hotel voucher, nearly recovering the entire fee.
What is the annual or renewal fee?
From the second year onwards, an annual fee of Rs. 4,999 plus GST is charged to your account.
Is there an annual fee waiver option?
Yes, the annual fee is waived if you spend Rs. 8 lakh or more in a year on your card.
What is the spending requirement for the annual fee waiver?
You must spend Rs. 8 lakh annually. This means averaging about Rs. 66,667 per month in card spends to get the Rs. 4,999 fee waived.
Are rent payments counted towards the Rs. 8 lakh waiver milestone?
Rent payments, fuel, and wallet loads are excluded from the annual spend calculations; only standard retail and travel transactions contribute to the waiver target.
What happens if I only spend Rs. 7.5 lakh in a year?
If you fall short of the Rs. 8 lakh requirement, the full Rs. 4,999 annual fee plus GST will be charged on your renewal date.
How can I get this card lifetime free?
This card is not lifetime free; however, high-tier corporate salary account holders can occasionally secure an annual fee waiver through special internal promotional offers.
Eligibility
Age
Criteria*
25-65 years
Salary
Criteria*
6LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Understanding the eligibility requirements is the first step toward getting the HSBC Travel One Credit ...
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Understanding the eligibility requirements is the first step toward getting the HSBC Travel One Credit ...
Understanding the eligibility requirements is the first step toward getting the HSBC Travel One Credit Card. The bank has set clear parameters for age, income, and credit history to ensure the applicant can comfortably manage the premium nature of this product.
The primary applicant must be between 18 and 65 years of age. Employment flexibility is a plus here, as both salaried professionals and self-employed individuals are eligible to apply. If you are a salaried employee, you must have a minimum annual income of Rs. 4 lakh. That translates to roughly Rs. 33,333 per month (the standard monthly income cutoff is noted as Rs. 35,000). For self-employed applicants, the income requirement is slightly higher, requiring a minimum annual income of Rs. 5 lakh. Finally, a healthy credit profile is essential. You need a minimum CRIF or CIBIL score of 750 to secure smooth approval.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 18 years old to be eligible for this card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 65 years at the time of application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum annual income of Rs. 4 lakh, which breaks down to around Rs. 35,000 per month.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 5 lakh.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed professionals are welcome to apply if they meet the respective income thresholds.
What credit score is needed for approval?
A minimum CRIF credit score of 750 is required for a smooth approval process.
Will my application be rejected if my credit score is below 750?
A score below 750 leads to rejection unless you maintain a high-value relationship with the bank, such as a Premier savings account or significant monthly salary credits.
Do I need an existing relationship with HSBC?
An existing relationship is not mandatory, provided you meet the required income and credit score thresholds.
What happens if my salary is exactly Rs. 30,000 per month?
Since the required monthly income is Rs. 35,000, a salary of Rs. 30,000 falls short, and your application may not be approved.
Does the 750 credit score rule apply to self-employed applicants too?
Yes, the minimum CRIF score requirement of 750 applies equally to self-employed individuals.
All Card Benefits
- Earn 4 reward points for every ₹100 spent on flights, travel aggregators and foreign currency transactions
- 6 complimentary domestic and 4 complimentary international airport lounge visits per year
- Earn 10,000 bonus reward points on annual spends exceeding ₹12,00,000
- 15% off on travel bookings with Yatra, EaseMyTrip, Paytm and Cleartrip
- Up to 20% off on duty-free purchases at Adani Airports via AdaniOne
Welcome Benefits
The HSBC Travel One Credit Card offers an incredibly generous welcome package that ...
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Welcome Benefits The HSBC Travel One Credit Card offers an incredibly generous welcome package that ...
Welcome Benefits
The HSBC Travel One Credit Card offers an incredibly generous welcome package that comfortably covers the cost of your joining fee. When you spend Rs. 10,000 within 30 days of your card issuance, you get Rs. 1,000 in direct cashback, a Postcard Hotel voucher worth Rs. 3,000, and a 3-month EazyDiner Prime membership. In practical terms, spending just Rs. 10,000 gets you over Rs. 4,000 in immediate value. Furthermore, if you manage to spend Rs. 1,00,000 within your first 90 days, the bank rewards you with an additional 3,000 bonus reward points. Since each point is worth Rs. 0.20, that is another Rs. 600 in your pocket.
Reward Points Structure
The rewards engine on this card is built for travelers. You earn 4 reward points for every Rs. 100 you spend on flights, travel aggregators, and foreign currency transactions. For all other eligible purchases, you earn 2 reward points for every Rs. 100 spent, with absolutely no earning cap. Additionally, high spenders get a massive boost: if your annual spending exceeds Rs. 12,00,000, you receive 10,000 bonus reward points. Let us look at a practical example. If you spend Rs. 50,000 on an international flight, you earn 2,000 reward points. Since 1 point equals Rs. 0.20, you just earned Rs. 400 back on that single transaction.
Flight and Travel Discounts
Beyond the reward points, the HSBC Travel One Credit Card offers instant savings across major travel platforms. You get a flat 15% discount on Yatra (using promo code HSBCTRAVEL1), 15% off on EaseMyTrip (promo code EMTHSBCT1), 15% off on Paytm Flights (promo code HSBCTRAVEL), and 15% off on Cleartrip (promo code CTHSBCTRAVELONE). If you are flying internationally, you also get up to 20% off at duty-free stores via AdaniOne. For instance, if you book a Rs. 10,000 domestic flight on Cleartrip using the promo code, you immediately save Rs. 1,500, vastly lowering your travel costs.
Airport Lounge Access
Waiting at the airport becomes a relaxing experience with this card. You get 6 complimentary visits to local airport lounges and 4 complimentary visits to international airport lounges every year. If you travel frequently, this saves you thousands of rupees. A typical airport lounge visit costs around Rs. 1,500. By utilizing all 10 of your yearly visits, you extract roughly Rs. 15,000 worth of free food, comfortable seating, and Wi-Fi access.
Movie and Dining Privileges
Your weekends are sorted with excellent entertainment perks. You get a "buy 1 movie ticket, get 1 free" offer twice a month by using the promo code HSBCTOMOV. If a movie ticket costs Rs. 300, using this offer twice a month saves you Rs. 600 monthly, or Rs. 7,200 annually. Additionally, foodies can enjoy exclusive dining discounts through Zomato District using eligible promo codes, reducing the sting of eating out at premium restaurants.
View FAQ
Commonly Asked Questions
How do I qualify for the initial welcome bonus?
You must spend a minimum of Rs. 10,000 within 30 days of your card issuance to receive the cashback, hotel voucher, and EazyDiner membership.
What is the total value of the welcome benefits?
The direct value includes Rs. 1,000 cashback and a Rs. 3,000 hotel voucher. Adding the EazyDiner membership and the 3,000 bonus points (worth Rs. 600), the total value easily exceeds Rs. 4,600.
How do I earn the 3,000 bonus reward points?
You need to accumulate total spends of Rs. 1,00,000 within the first 90 days of getting your card to trigger this bonus.
Will I get the welcome benefits if I activate the card late?
The timeline starts from the date of card issuance. You must make a minimum transaction of Rs. 100 within 30 days to activate the card and stay eligible for rewards.
How many reward points do I earn on standard shopping?
You earn 2 reward points for every Rs. 100 spent on regular, eligible purchases like apparel or electronics. Spending Rs. 10,000 gives you 200 points.
What is the reward rate for international expenses?
Foreign currency transactions earn an accelerated 4 reward points per Rs. 100 spent. If you spend Rs. 25,000 abroad, you earn 1,000 points (worth Rs. 200).
What is the exact value of one reward point?
Each reward point holds a monetary value of Rs. 0.20. You need 5 points to make 1 Rupee.
Is there a limit to how many points I can earn?
No, there is no maximum cap on the standard reward points you can earn from your eligible everyday spending.
How do I get the 10,000 bonus points?
You receive the 10,000 bonus points if your total annual spends cross the Rs. 12,00,000 mark. These points add Rs. 2,000 in value to your account.
Do I earn points when I buy groceries?
Yes, groceries are considered standard eligible purchases, earning you 2 reward points for every Rs. 100 spent.
Will I earn points on travel aggregator websites like MakeMyTrip?
Yes, travel aggregators fall under the accelerated category, giving you 4 reward points for every Rs. 100 spent.
Do I earn points on fuel purchases?
No, fuel purchases are specifically excluded from earning any reward points on this card.
Do EMI transactions earn reward points?
No, EMI transactions are part of the bank's exclusion list and will not generate any reward points.
What happens if I cancel a flight I bought to earn points?
All reversals and refunds are excluded from earning rewards. The points earned on that transaction will be deducted from your account.
Which travel portals offer discounts with this card?
You receive direct discounts on Yatra, EaseMyTrip, Paytm Flights, Cleartrip, and AdaniOne duty-free.
How do I claim the 15% discount on Yatra?
Enter the promo code HSBCTRAVEL1 at the checkout page on Yatra while paying with your HSBC Travel One Credit Card.
Can I get a discount on duty-free shopping?
Yes, the card provides up to 20% off on duty-free purchases when processed through AdaniOne.
Do these travel platforms have a maximum discount cap?
Discounts on these portals are capped at a maximum of Rs. 1,500 to Rs. 2,500 per booking based on current seasonal promotional terms.
How many domestic lounge visits do I get?
You receive 6 complimentary visits to local airport lounges within India every year.
Does the card offer international lounge access?
Yes, it provides 4 complimentary visits to international airport lounges annually.
Are railway lounges included in this benefit?
No, this card does not offer any complimentary access to railway lounges.
Can I bring a guest into the lounge for free?
Complimentary visits are restricted to the primary cardholder; guests are admitted upon payment of the standard lounge access fee, typically ranging from $27 to $32.
How does the movie ticket offer work?
You use the promo code HSBCTOMOV to buy one ticket and get the second one free. This can be used twice a month.
How much can I save on movies yearly?
If an average ticket is Rs. 300 and you use the offer twice monthly, you save Rs. 600 per month, totaling Rs. 7,200 a year.
What dining benefits does the card offer?
You get exclusive dining discounts with Zomato District by applying the bank's designated promo codes at checkout.
Are there any food delivery benefits like Swiggy discounts?
Dining benefits are centered on the Zomato District platform; direct Swiggy delivery discounts are not currently included in the card's core features.
Milestone Benefits
10000 reward points(Worth ~ ₹2,000)
Spend ₹12,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.20
Redemption Options
- Airline Miles
- Hotel Loyalty Points
- Travel bookings
To check redemption catalogue
Accumulating points is only half the fun; redemption is where you see the real value. The HSBC Travel O...
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Accumulating points is only half the fun; redemption is where you see the real value. The HSBC Travel O...
Accumulating points is only half the fun; redemption is where you see the real value. The HSBC Travel One Credit Card has a centralized rewards catalogue that is easy to navigate. Each reward point you earn holds a fixed value of Rs. 0.20. When you are ready, you can convert your points into airmiles, hotel loyalty points, gift cards, merchandise, Apple products, or even use them for direct bill payments.
For example, if you have accumulated 20,000 reward points from your travels over six months, the total monetary value is Rs. 4,000. You can log into the rewards portal and claim a Rs. 4,000 shopping voucher or convert the points into airmiles to fund your next flight. Keep in mind that every time you place a redemption request, the bank charges a minor handling fee of Rs. 99 plus applicable GST.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You can redeem your points by logging into the bank's official rewards portal and selecting your preferred category from the catalogue.
What can I redeem my reward points for?
Options include airmiles, hotel loyalty points, gift cards, merchandise, Apple products, and bill payments.
What is the exact value I get when I redeem points?
Every single reward point is valued at Rs. 0.20. For example, 5,000 points translate to Rs. 1,000 in redemption value.
Is there a fee for redeeming my rewards?
Yes, a reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request.
Can I use my points to pay my credit card bill?
Points can be used for bill payments including statement credits and utility bill settlements at the fixed value of Rs. 0.20 per point.
Do my reward points expire over time?
Reward points remain valid for 3 years from the date of accrual, after which they will expire if left unused.
Is it better to redeem frequently or save up points?
Since you pay a Rs. 99 fee per request, it is mathematically wiser to save up points and redeem a larger amount in a single transaction.
Where can I view the full redemption catalogue?
You can explore the complete list of options at https://www.hsbc.co.in/credit-cards/how-to-redeem-credit-card-reward-points/.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Utilities
Education Fees
Government Spends
Wallet Load
Insurance
Jewellery
Rent
Money Transfers
Cash Advances
For Spends Waiver
Fuel
Rent
Insurance
EMI Transactions
Cash Advances
Wallet Load
To avoid unpleasant surprises, it is critical to know where your card will not earn rewards. The HSBC T...
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To avoid unpleasant surprises, it is critical to know where your card will not earn rewards. The HSBC T...
To avoid unpleasant surprises, it is critical to know where your card will not earn rewards. The HSBC Travel One Credit Card has a strict list of exclusions designed to prevent point farming on non-retail categories. You will not earn any reward points on education-related payments, tax and government transactions, or E-wallet loading. Essential recurring expenses like fuel purchases, insurance premium payments, rent, real estate transactions, and utility bill payments are also fully excluded.
Furthermore, major transactions like EMI conversions, cash withdrawals, jewellery purchases, GST charges, balance transfers, and financial charges yield zero points. For example, if you pay a Rs. 25,000 life insurance premium or a Rs. 15,000 electricity bill using this card, you earn exactly zero points. Always use this card for retail shopping, dining, and travel to ensure you are earning your 2% to 4% equivalent back.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Rent, fuel, insurance, utility bills, EMI transactions, wallet top-ups, taxes, education fees, and jewellery purchases do not earn any reward points.
Are fuel transactions excluded from earning rewards?
Yes, fuel purchases are completely excluded from the rewards program and will not generate any points.
Does paying rent with this card earn reward points?
No, rent and real estate-related transactions are fully excluded from earning any points.
Are insurance premium payments excluded from rewards?
Yes, payments made toward insurance premiums will not accumulate any reward points.
Do wallet top-ups like Paytm or Amazon Pay earn rewards?
No, E-wallet loading and wallet transactions are explicitly excluded.
Will I earn points if I convert my large purchase into an EMI?
No, EMI transactions do not yield reward points. The original purchase loses its reward eligibility once converted.
Are education or school fee payments excluded from earning rewards?
Yes, school and educational services are on the exclusion list and earn zero points.
Do I earn points when buying gold or jewellery?
No, jewellery purchases are excluded from earning reward points on this card.
What happens if I accidentally make a payment in an excluded category?
The transaction will be processed successfully, but you simply will not receive any reward points for that specific spend.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A cash payment fee of ₹100 is charged when payments are made at HSBC branches or drop boxes | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹250 |
| ₹251 - ₹500 | ₹500 |
| ₹501 - ₹1200 | ₹1200 |
Understanding the precise fee structure of a premium credit card prevents bill shock and helps you calc...
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Understanding the precise fee structure of a premium credit card prevents bill shock and helps you calc...
Understanding the precise fee structure of a premium credit card prevents bill shock and helps you calculate your true net savings. The HSBC Travel One Credit Card carries standard industry fees for late payments and cash advances, along with a few specific charges you need to be aware of.
The Joining Fee for this card is Rs. 4,999. This one-time fee is charged to your first statement. While there is no direct waiver, the welcome benefits—such as the Rs. 1,000 cashback and Rs. 3,000 hotel voucher—provide enough value to essentially offset this cost for the first year.
The Annual or Renewal Fee is Rs. 4,999, charged from the second year onward. However, the annual fee is waived if you spend Rs. 8 lakh or more in a year on your card, as per bank policy. For example, if your total card spends reach Rs. 8,10,000 in your anniversary year, the Rs. 4,999 fee will not be billed to your account.
The APR or Interest Rate is a 3.75% monthly fee. Credit cards allow you an interest-free payment period of 20-55 days, but if you fail to pay your full statement balance, heavy interest applies. For instance, if you leave a balance of Rs. 10,000 unpaid for a month, you will accrue roughly Rs. 375 in interest charges.
Late Payment Charges are staggered based on your outstanding balance: Rs. 0 for balances up to Rs. 500; Rs. 100 for balances up to Rs. 1,000; Rs. 500 for balances up to Rs. 5,000; Rs. 600 for up to Rs. 10,000; Rs. 750 for up to Rs. 25,000; Rs. 900 for up to Rs. 50,000; and Rs. 1,100 to Rs. 1,300 for balances exceeding Rs. 50,000. If you forget to pay a Rs. 3,000 bill, you will be hit with a Rs. 500 fine.
The Foreign Transaction or Forex Markup Fee is 3.5%. This applies to international POS payments and online purchases charged in foreign currency. For example, if you spend exactly Rs. 10,000 worth of US Dollars on an international website, the bank will add a Rs. 350 markup fee to your statement.
The ATM Cash Withdrawal Fee is 2.5% of the withdrawn amount (minimum Rs. 500). If you face an emergency and withdraw Rs. 10,000 from an ATM, the 2.5% fee is Rs. 250, but since the minimum is Rs. 500, you will be charged a flat Rs. 500 just for the withdrawal.
The Rent Payment Convenience Fee is 1% of the transaction amount. Because rent is also excluded from earning reward points, paying Rs. 20,000 for rent using this card means you earn zero rewards and pay an extra Rs. 200 in fees, making it an unfavorable choice for real estate payments.
A Railway Surcharge of 1.80% for online transactions and 2.50% for other bookings is applied. If you book a train ticket online for Rs. 2,000, you will see an additional Rs. 36 surcharge tacked onto the transaction.
A Cash Payment Fee of Rs. 150 applies per deposit. If you walk into a bank branch and hand over cash to clear your credit card bill, the bank will charge you Rs. 150 for processing that manual cash deposit. Avoid this by paying digitally.
There is No Cheque Payment Fee charged by the bank. If you prefer dropping a cheque in a dropbox to clear your dues, you can do so without incurring any processing fee.
A Reward Redemption Fee of Rs. 99 plus applicable GST is charged per redemption request. If you redeem 10,000 points for a Rs. 2,000 voucher, you effectively get Rs. 1,901 in value after accounting for the Rs. 99 fee, which is why bulk redemptions are smarter.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 4,999 |
| Annual Fee | Rs. 4,999 (Waived on Rs. 8 Lakh spend) |
| Interest Rate (APR) | 3.75% Monthly |
| Forex Markup | 3.5% |
| Late Payment Fine | Up to Rs. 1,300 (Based on balance slab) |
| Cash Withdrawal | 2.5% (Min Rs. 500) |
| Rent Payment Fee | 1% |
| Reward Redemption | Rs. 99 + GST |
| Cash Payment Fee | Rs. 150 |
| Railway Surcharge | 1.8% online / 2.5% offline |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 4,999, which is charged in your first statement cycle.
What is the annual or renewal fee?
The card carries an annual renewal fee of Rs. 4,999 from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived if you spend Rs. 8 lakh or more in a year on your card, as per bank policy.
How can I get this card lifetime free?
This card is not lifetime free; however, high-tier corporate salary account holders can occasionally secure an annual fee waiver through special internal bank offers.
What is the interest rate if I don't pay my full balance?
The interest rate is a heavy 3.75% per month on your outstanding balance.
How is the interest calculated on outstanding balances?
If you fail to make payment for your statement in due time, the 3.75% monthly interest starts accruing daily on all outstanding amounts and new purchases. Convert large spends to EMIs to avoid this.
What are the late payment charges?
Charges range from Rs. 0 for small balances under Rs. 500, scaling up progressively to Rs. 1,300 for massive balances over Rs. 50,000.
Is the late payment fee different based on outstanding amount?
Yes, it uses a slab system. A Rs. 3,000 balance gets a Rs. 500 fine, while a Rs. 15,000 balance triggers a Rs. 750 fine.
What is the forex markup for international transactions?
A 3.5% forex markup fee is charged on all transactions made in non-INR currencies.
Can I withdraw cash using my credit card?
Yes, but a high fee of 2.5% of the withdrawn amount (minimum Rs. 500) makes it a very expensive way to access money.
Are there fees for paying rent with this card?
Yes, a 1% convenience fee applies to all rent payment transactions.
Is there a fee for paying my bill in cash?
Yes, depositing cash at a branch to pay your credit card bill incurs a flat Rs. 150 processing fee.
What are the charges for cheque payment of bills?
There is no fee charged for paying your credit card bill via cheque.
Are there charges for railway ticket bookings?
Yes, booking railway tickets incurs a surcharge of 1.80% online and 2.50% offline.
Is there a fee to redeem my reward points?
A flat reward redemption handling fee of Rs. 99 plus GST is charged every time you submit a request.
Similar Cards
| Features |  BOB Etihad Guest Premium |  ICICI Emirates Skywards Sapphiro |  Air India SBI Signature |  Axis Atlas |
|---|---|---|---|---|
| Annual Fee | 5000 | 5000 | 4999 | 5000 |
| Welcome Benefits | ||||
| Best For | - | - | - | - |
| Offer | ||||
| Lounge Access |
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is required?
You will need your PAN Card and an Aadhaar card for the digital KYC process.
What income proof do salaried applicants need?
Salaried individuals usually need to provide their latest 2-3 months' salary slips and recent bank statements showing salary credits.
What income proof do self-employed applicants need?
Self-employed professionals must submit their latest Income Tax Returns (ITR) computing an income of at least Rs. 5 lakh.
Is physical document submission required?
No, if you opt for Video KYC, you can verify your original documents over the camera without physical paperwork.
Do I need to submit an address proof?
Your Aadhaar card typically serves as your address proof. Ensure your current residence matches the Aadhaar details for a smoother process.
Can I use a passport instead of Aadhaar for VKYC?
Aadhaar-based XML KYC is the industry standard for fast video verification; passports are generally accepted only for physical verification protocols.
Who Should Get This Card?
The Global Explorer: If you take multiple international trips a year, the 4 reward points on foreign currency spending and 4 international lounge visits will make your journeys far more comfortable and rewarding.
The Platform Booker: If your default apps are Yatra, Cleartrip, or EaseMyTrip, the direct 15% discount combined with the 4 reward points per Rs. 100 makes this a powerhouse for booking flights.
Who should skip it? If you primarily want a card to pay utility bills, rent, and buy groceries online, this is the wrong product for you. With utilities, rent, and E-wallets completely excluded from rewards, and a high Rs. 8 lakh annual fee waiver target, a generic cashback card would serve a non-traveler much better.
Credit Limit and What to Expect
Your credit limit is not a fixed number; it is customized based on your financial health. Once your application is approved, the bank assesses your declared income, your CRIF score of 750 or above, and your existing credit lines to assign a safe and functional credit limit. Since this is a premium travel card requiring a minimum Rs. 4 lakh salary, you can expect a starting limit that comfortably accommodates flight and hotel bookings.
View FAQ
Commonly Asked Questions
What will be my starting credit limit?
Your exact limit is decided by the bank based on your income (minimum Rs. 4 lakh) and your credit profile.
Can I request a higher credit limit later?
Yes, if you use the card responsibly and pay your bills on time, the bank may offer periodic limit enhancements.
Does a high CRIF score guarantee a high limit?
While a 750+ score gets you approved, the actual numerical limit is heavily influenced by your current monthly income and existing debt.
What happens if I spend more than my credit limit?
Over-limit transactions incur a fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Can I decrease my credit limit if I want to?
Yes, most banks allow you to reduce your credit limit through their mobile app for security and budget management.
Will the bank inform me of my limit before dispatching the card?
Usually, the final approved credit limit is communicated via email or SMS just before or right after the card is generated.
How to Apply?
Applying for the HSBC Travel One Credit Card is a straightforward, digitized process. You can apply online via the official bank portal or through financial marketplaces. The entire journey is paperless, relying on a Video KYC verification system. Just ensure you meet the age and income criteria before starting. Keep your PAN card and Aadhaar card handy. Ensure you have a stable internet connection and are in a well-lit room when you initiate the Video KYC call with the bank executive.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly on the bank's official website or through trusted online financial partners.
Can I complete the application entirely online?
Yes, the application process is fully digital, concluding with a Video KYC session.
What do I need for a successful Video KYC call?
Keep your original PAN card ready, ensure you have good lighting, a stable internet connection, and are physically present in India during the call.
How long does the approval process take?
The digital approval process takes 3 to 7 working days following a successful Video KYC session.
What happens if my Video KYC fails?
If your video connection drops or documents are unclear, you may be asked to retry the Video KYC or complete a physical verification process.
Can I track my application status?
You can track your status via the HSBC online portal or through the automated SMS tracking link sent to your registered mobile number.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹2200 Rewards
Top Benefits
Earn 10,000 Bonus Reward Points
on annual spends exceeding ₹12,00,000
Save up to 15% on Travel Bookings
on flight and hotel bookings with Yatra and EaseMyTrip, and 15% off on flight bookings with Paytm and Cleartrip
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