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HSBC TravelOne

Annual Fee

₹2,999

Rewards/₹100

₹1.00 - ₹2.50

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

740+

At a Glance

Key Benefits

5X travel rewards, 2% forex markup, lounge access, travel insurance

Lounge Access

8 domestic + 4 international lounge visits/year

Eligibility

Salaried: Rs 75,000+/month, Age: 21-60 years, CIBIL: 740+

Quick Details

Annual Fee
₹2,999 #236
Joining Fee
₹2,999 #236
Interest Rate
42.00% p.a. #108
Forex Markup
2.00% #38
Rewards/₹100
₹1.00 - ₹2.50 #114
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
8/year #30
International Lounge Visits
4/year #29
Min Credit Score
740+ #184
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹900
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹2,00,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Cat

Travel

₹2.50 /₹100

Reward Calculator

Allocate by Category 100%
Travel
5.0 pts
60% ₹0
Other Spends
2.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Airport Lounge Access

Domestic Free
8

visits per year

+ 2 guest visits

Domestic lounge access via DreamFolks

International Free
4

visits per year

+ 2 guest visits

International lounge access

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Air Accident

₹50,00,000

Air accident cover for card bookings.

Travel

₹25,00,000

Travel insurance for international trips.

Quick Analysis

The HSBC HSBC TravelOne is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.

Pros

  • Annual fee waiver on spending ₹200000
  • 4 complimentary international lounge visits per year
  • Generous 8 domestic lounge visits per year
  • Good insurance coverage up to ₹75 lakh
  • 24x7 dedicated concierge service
  • Low forex markup of 2.00% - great for international spends

Cons

  • High interest rate of 42.00% on revolving credit
  • Reward points may have limited redemption options

Frequently Asked Questions

What is HSBC TravelOne forex markup?
2% forex markup, lower than most travel cards.
Does TravelOne offer lounge access?
Yes, 8 domestic and 4 international lounge visits annually.
What rewards does TravelOne offer?
5X rewards on travel bookings, 3X on dining, 2X on all other spends.
Is there travel insurance?
Yes, Rs 25 lakh travel insurance cover on international trips.
What is TravelOne annual fee?
Rs 2,999, waived on Rs 2 lakh annual spend.

User Reviews

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