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Last updated: 01-06-2026
HSBC TravelOne Credit Card
HSBC Bank

HSBC TravelOne Credit Card

"HSBC's premium travel card โ€” 0% forex markup on international transactions, 2% cashback on all spends and complimentary lounge access worldwide"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,999 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,999 + GST
Waived: Annual fee waived on spending โ‚น4 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Frequent international travellers who want zero forex markup and strong cashback on all spends; those seeking simplified cashback without tracking reward point systems
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as statement credit; no reward points
๐ŸŽ‰ Welcome Benefit
โ‚น3,000 cashback on spending โ‚น1 lakh within first 90 days of card membership โ€” effectively covers joining fee
๐Ÿ’ฐ Reward Rate
2% cashback on all eligible spends โ€” no category restrictions, no cap on base cashback; cashback auto-credited; additional 5% on specific travel categories booked via HSBC SmartTrip platform; excludes fuel, rent, wallet loads, government, insurance, utilities above threshold
โœˆ๏ธ Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter); complimentary Priority Pass membership with lounge visits โ€” check current international lounge access terms on HSBC India website as policies have been updated
๐Ÿ’ฑ Forex Markup
0% โ€” zero forex markup on all international transactions; zero currency conversion fee; one of the few cards in India offering truly zero forex
๐Ÿ’ต Cashback Rate
2% unlimited on all eligible spends; 5% on HSBC SmartTrip travel bookings
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โœ… Pros
  • 0% forex markup โ€” truly zero cost on international transactions
  • 2% unlimited flat cashback on all spends โ€” no categories to track
  • โ‚น3,000 welcome cashback covers joining fee
  • 8 domestic lounge visits per year
  • 5% on SmartTrip travel bookings
  • Cashback auto-credited โ€” zero effort
  • Priority Pass membership included
โŒ Cons
  • Available only in select cities
  • Generally not available to self-employed
  • No fuel surcharge waiver
  • High interest rate 3.75% per month
  • Priority Pass international lounge access terms updated โ€” verify
  • Exclusions apply (fuel, rent, wallet, government)
  • Fee waiver requires โ‚น4L annual spend

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as statement credit; no reward points
Welcome Benefits
โ‚น3,000 cashback on spending โ‚น1 lakh within first 90 days of card membership โ€” effectively covers joining fee
Reward Rate
2% cashback on all eligible spends โ€” no category restrictions, no cap on base cashback; cashback auto-credited; additional 5% on specific travel categories booked via HSBC SmartTrip platform; excludes fuel, rent, wallet loads, government, insurance, utilities above threshold
Reward Redemption
Cashback auto-credited as statement credit โ€” no redemption portal needed
Fuel Surcharge Waiver
No fuel surcharge waiver
Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter); complimentary Priority Pass membership with lounge visits โ€” check current international lounge access terms on HSBC India website as policies have been updated
Spend Based Fee Waiver
Annual fee waived on โ‚น4 lakh annual spend
Milestone Benefits
โ‚น3,000 welcome cashback on โ‚น1L spend; annual fee waiver on โ‚น4L spend; additional travel cashback milestones via SmartTrip
Other Benefits
0% forex markup โ€” saves 3 to 3.5% on every international transaction; 2% unlimited flat cashback on everything; Priority Pass membership; 8 domestic lounge visits per year; 5% on SmartTrip travel bookings; contactless payments; HSBC India app management

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (check current international access terms)
Insurance Cover
Travel insurance; zero unauthorized use cover on timely reporting
Add-on Cards
Add-on cards at no extra fee
Concierge Services
Details coming soon
Special Offers
0% forex markup; 2% unlimited cashback on all spends; 5% on SmartTrip travel; 8 domestic lounge visits

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,999 + GST
Annual Fee / Renewal Fee
โ‚น2,999 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น4 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (45% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
100% of Minimum Payment Due, minimum โ‚น250, maximum โ‚น1,200
Over Limit Charges
As per HSBC prevailing policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
0% โ€” zero forex markup on all international transactions; zero currency conversion fee; one of the few cards in India offering truly zero forex
Other Charges
Available only in select cities; generally not available to self-employed; no fuel surcharge waiver; Priority Pass international lounge terms have been updated โ€” verify current access on HSBC website; exclusion categories apply

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 65 years (salaried); minimum annual income โ‚น12 lakh; resident of eligible cities; Indian citizen
Credit Score Requirement
750+ CIBIL recommended
Credit Limit
Based on income and HSBC credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions; tenures 3 to 24 months
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HSBC prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HSBC India app
Instant Fraud Alerts
SMS and email alerts; real-time controls via app
Purchase Protection
Zero unauthorized use cover on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Cover for unauthorized transactions on timely reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 267 3456 (toll-free)
Chat / Email Support
Chat via HSBC India app
Mobile App
HSBC India app: manage card, track cashback, pay bills
Online Banking
HSBC India website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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