HSBC

TravelOne

TravelMilesLounge

Apply on bank site

Checked 2 Oct 2026 ·

Annual fee₹4,999+ GST

Forex markup3.5%

Interest3.75%a month

NetworkMastercard

You earn

Perks & rules

What changed

No changes yet. We re-check every week.

Worth it?

We can't estimate this card yet.Bank states no ₹ value per point; points transfer 1:1 to airline/hotel programmes.

All the fine printEvery detail from the bank's documents, in one place

How you earn

Rewards asReward points

Base rate2 points per ₹100 (1 point per ₹50), no cap

Higher rates

Flights, travel sites, forex: 4 points per ₹100 on airlines, travel aggregators and foreign-currency spends (not DCC)
HSBC Travel with Points: Up to 6X via Travel with Points: 16/₹100 flights, 24/₹100 hotels, 8/₹100 car rentals

Limits

Extra (accelerated) points on travel/forex: up to 50,000 a calendar month, then 2 per ₹100
Travel with Points accelerated points: up to 18,000 a month
Add-on card points count toward the same cap

Doesn't earn on

Fuel, utilities, insurance, education and government, tax, rent/real estate, e-wallets, jewellery, money transfers, financial institutions, bail and bond; cash advances, fees, Instant EMI

Where it landsBase points on settled transactions; extra travel/forex points within 60 days after the month ends

What a point is worth

ValueNo rupee value stated: points convert 1:1 to miles/points of select airlines and hotels (e.g. Air India, Singapore Airlines, British Airways, Marriott, Accor); the bank says point value elsewhere is 'dynamic'

Expiry3 years from the end of the month earned; lost if the card is closed before redeeming

Redemption feeNot stated for miles/hotel transfers; ₹50 handling charge on goods and services delivered

Welcome benefit

Welcome₹1,000 cashback, ₹3,000 Postcard Hotels voucher and 3 months' EazyDiner Prime if you use the HSBC app and spend ₹25,000 in the first 30 days (applications 1 Jul–31 Dec 2026)

Milestones

10,000 bonus points when you spend ₹12 lakh in a card year

Airport lounges

Domestic6 complimentary visits a year in India (program until 31 Mar 2027)

International4 complimentary visits a year outside India (LoungeKey)

Fuel

FuelNo fuel surcharge waiver

Spending abroad

Forex markup3.5%

Fees

Joining fee₹4,999 + GST

Annual fee₹4,999 + GST

Fee waiverAnnual fee (with GST) reversed if you spend over ₹8 lakh in the card year (primary + add-on)

If you pay late

Late fee100% of the minimum due, min ₹250, max ₹1,200 a month

Interest3.75% a month (45% a year)

Cash withdrawal2.5% of the amount, min ₹500

Who can apply

Age18–65 years (salaried), 25–65 (self-employed)

SalariedIncome at least ₹6 lakh a year; must live in one of 21 listed cities

Self-employedIncome at least ₹12 lakh a year

More perks

Perks

4 golf rounds and 12 lessons a year (max 1 a month), 50% off green fees after that
15% off flights/holidays with Yatra, EaseMyTrip, Paytm, Cleartrip, Goibibo (promo codes)
Purchase protection up to USD 20,000 a year