The HSBC TravelOne Credit Card is a Mastercard World platform travel credit card issued by HSBC India. It is specifically designed for travelers who want to earn reward points on everyday spending and redeem them instantly for airline miles and hotel loyalty points.

• Card Network: Mastercard World
• Annual Fee: Rs. 4,999 + GST (waived on Rs. 8L annual spend)
• Reward Rate: 2-4 reward points per Rs. 100 spent
• Transfer Partners: 16 airlines + 5 hotel programs with mostly 1:1 ratio
• Lounge Access: 6 domestic + 4 international visits per year
• Key USP: Instant point transfers and HSBC Rewards Marketplace with up to 24% returns

Earn 4 reward points per Rs. 100 spent on flights, travel aggregators (MMT, Cleartrip, Yatra, etc.), and foreign currency transactions. All other eligible spends earn 2 reward points per Rs. 100. Accelerated travel rewards are capped at 50,000 points per calendar month, while base rewards have no cap.

HSBC Rewards Marketplace

Book travel through the HSBC Rewards Marketplace for even higher returns: 6X reward points on hotel bookings (~24%), 4X on flight bookings (~16%), and 2X on car rentals (~8%). Accelerated marketplace points are capped at 18,000 per month. Features include Best Price Guarantee and Price Drop Protection.

Transfer Partners

Transfer reward points 1:1 to 16 airline programs (Air India, British Airways, Singapore Airlines, Qatar Airways, Etihad, Air France-KLM, Japan Airlines, Qantas, Thai Airways, EVA Air, Vietnam Airlines, Hainan Airlines, AirAsia at 1:3) and 5 hotel programs (Accor ALL, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards at 1:1, Shangri-La Circle at 5:1). Turkish Airlines and United Airlines transfer at 2:1.

Airport Lounge Access

6 complimentary domestic airport lounge visits per year via Mastercard network and 4 international lounge visits via LoungeKey. No minimum spend requirement for lounge access.

Golf Privileges

4 complimentary golf rounds and 12 complimentary golf lessons per calendar year (max 1 per month) at select courses across India. Additional rounds available at 50% off green fees.

Travel Discounts

15% off on Yatra, EaseMyTrip, Paytm Travel, and ClearTrip. 11% off StayVista (max 2 bookings/year). 20% off duty-free via AdaniOne (once/year, max Rs. 3,000). Access to Mastercard World platform benefits.

Dining & Entertainment

10% off dining and events via Zomato/District app (monthly). Buy 1 Get 1 free movie tickets twice per month via District app. Exclusive privileges at The Bicester Collection Villages.

Insurance Protection

Purchase Protection up to Rs. 16,66,600 per year (Rs. 2,49,990 per occurrence) via Tata AIG. Lost Card Liability cover of Rs. 3,00,000 via ICICI Lombard covering misuse up to 24 hours before and 7 days after reporting.

On spending Rs. 10,000 within 30 days of card issuance after downloading the HSBC India Mobile Banking app:

• Rs. 1,000 cashback credited within 60 days
• Rs. 3,000 Postcard Hotels voucher for stays at Postcard properties
• 3 months EazyDiner Prime membership with minimum 25% off at partner restaurants

90-Day Milestone

• 3,000 bonus reward points on spending Rs. 1,00,000 within the first 90 days of card issuance

Annual Milestone

• 10,000 bonus reward points on annual spend exceeding Rs. 12,00,000 (all categories count towards this milestone)

Annual Fee Waiver

• Annual fee of Rs. 4,999 is waived if primary card spend exceeds Rs. 8,00,000 in the financial year

The HSBC TravelOne Credit Card provides complimentary airport lounge access across domestic and international airports without any minimum spend requirement.

Domestic Lounges (6 visits/year)

Access via Mastercard network to a wide network of lounges including Loyalty Lounge, Adani Lounge, Earth Lounge, Travel Club Lounge, Encalm Lounge, Bird Lounge, and many more across major airports including Mumbai, Delhi, Bengaluru, Chennai, Hyderabad, Kolkata, Pune, Cochin, Ahmedabad, Jaipur, and several Tier-2 cities.

International Lounges (4 visits/year)

Access via LoungeKey program at participating international airport lounges worldwide. Visit www.loungekey.com/HSBCTravelOne for the complete list of participating international lounges.

The HSBC TravelOne Credit Card operates on a straightforward points-based reward system:

• Base Rate: 2 reward points per Rs. 100 spent on all eligible purchases (~2% value)
• Accelerated Rate: 4 reward points per Rs. 100 on flights, travel aggregators, and foreign currency transactions (~4% value), capped at 50,000 points/month
• HSBC Marketplace: Up to 6X on hotels (24 RP/Rs.100), 4X on flights (16 RP/Rs.100), 2X on car rentals (8 RP/Rs.100), capped at 18,000 accelerated points/month

Redemption Options

Points can be redeemed through:

• Airline Transfers (1:1): Air India, British Airways, Singapore Airlines, Qatar Airways, Etihad, Air France-KLM, Japan Airlines, Qantas, Thai Airways, EVA Air, Vietnam Airlines, Hainan Airlines
• Airline Transfers (2:1): Turkish Airlines, United Airlines
• Airline Transfers (1:3): AirAsia
• Hotel Transfers (1:1): Accor ALL, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards
• Hotel Transfers (5:1): Shangri-La Circle
• HSBC Rewards Marketplace: Book flights, hotels, and car rentals directly

All transfers are instant or completed within 1 day for most partners via the HSBC India mobile app.

• Age: 18 to 65 years
• Minimum annual income: Rs. 6,00,000 (salaried individuals)
• Must be an Indian resident
• Recommended CIBIL score: 750+

City Availability

Applications are currently accepted only from residents of the following cities:

• Chennai, Delhi NCR (Gurgaon, Noida), Pune
• Hyderabad, Mumbai, Bengaluru
• Kochi, Coimbatore, Jaipur
• Chandigarh, Ahmedabad, Kolkata
• Amritsar, Baroda, Indore, Lucknow

Note: HSBC has strict underwriting policies, so maintaining a high credit score and stable income history will improve approval chances.

• Latest salary slip (not more than 3 months old)
• Latest Form 16 or IT returns
• Last 3 months bank statement

Identity Proof (any one)

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving License

Address Proof (any one)

• Aadhdr Card
• Utility bill (not more than 3 months old)
• Passport
• Bank account statement
• Ration card or property registration document

Note: Additional documents may be requested during the application process. PAN card is mandatory for all applicants.

1. Visit the HSBC India website at hsbc.co.in/credit-cards/products/travelone
2. Click on "Apply Now" and fill in the required details
3. Upload supporting documents (salary slip, ID proof, address proof)
4. Complete video self-verification (VKYC) to get an additional Rs. 250 Amazon eGift Voucher
5. Wait for HSBC approval (subject to internal credit assessment)

Branch Application

1. Visit your nearest HSBC branch with required documents
2. Fill out the credit card application form
3. Submit salary slips, ID proof, address proof, and PAN card

Tip: Applying online with video KYC is the fastest route and earns you a bonus Rs. 250 Amazon voucher.

The HSBC TravelOne Credit Card is a well-rounded travel rewards card that fills an important gap in the Indian market for airline-agnostic credit cards with broad transfer partnerships. Its standout features are the instant 1:1 point transfers to 20+ airline and hotel partners, the HSBC Rewards Marketplace offering up to 24% returns on hotel bookings, and generous lounge access without minimum spend requirements.

The card is best suited for frequent travelers who book through multiple airlines and hotels, and who can benefit from the HSBC Rewards Marketplace accelerated earning. The ability to earn points on travel aggregator spends (unlike competitors like Axis Atlas) is a significant differentiator. However, the 3.5% forex markup, extensive list of excluded categories, and limited city availability are drawbacks that prospective applicants should consider. For international travelers, pairing this card with a low-forex card would maximize overall value.