HSBC TravelOne Credit Card Review

Author And Publisher: Gyro 3.o
22.12.2025 08:38 PM - Comment(s)

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card
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Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And Discipline.

HSBC TravelOne Credit Card Review: 
​Premier Travel Card with 4X Flight Rewards, 
​Instant Air Miles Redemption, ₹7,999 Welcome Benefits 
​& 10 Lounge Visits

introduction

HSBC TravelOne Credit Card is a premium travel card offering ₹1,000 cashback, ₹3,000 PostCard voucher, and 3-month EazyDiner Prime on ₹10K spend. Earn 4X rewards on flights, travel portals, and forex, 2X on other spends, plus 10,000 bonus RP at ₹12L annual spend. Enjoy instant 1:1 air mile transfers, 6 domestic + 4 international lounge visits, up to 20% travel discounts, Mastercard golf privileges, purchase protection up to ₹20,000, dining offers, and global travel perks like Bicester Village VIP access.

key features and benefits


Welcome Benefits

  • Get INR 1,000 Cashback Instantly: Kickstart your credit card journey with an assured ₹1,000 cashback as a welcome treat.

  • Enjoy an INR 3,000 PostCard Voucher: Redeem this exclusive voucher for premium experiences and indulgent rewards.

  • Complimentary 3-Month EazyDiner Prime Membership: Dine like a VIP at top restaurants with guaranteed discounts and special privileges for three full months.

  • Earn 3,000 Bonus Reward Points: Spend ₹1,00,000 within the first 90 days and get 3,000 bonus points added to your rewards account.

Reward Structure

  • Earn 4 reward points for every INR100 spent on flights, travel aggregators and in foreign currency.
  • Get 2 reward points for every INR100 spent on anything else, with no cap.
  • Earn 10,000 bonus reward points when you spend more than INR 1,200,000 a year.
  • Get even more reward points with additional cards.
  • Instantly convert Reward points to Air Miles 1 to 1 in the app.

  • Complimentary Lounge Access: Enjoy 6 domestic and 4 international airport lounge visits every year.

  • Get 15% off on Yatra using promo code HSBCTRAVEL1 and save on international and domestic flights and hotels when you book through the Yatra app or website.
  • Enjoy 15% off on EaseMyTrip with promo code EMTHSBCT1 and save on international and domestic flights and hotels via the EaseMyTrip app or website.
  • Avail 15% off on Paytm Flights using promo code HSBCTRAVEL and save on international and domestic flights when booking through the Paytm app or website.
  • Get 15% off on Cleartrip with promo code CTHSBCTRAVELONE and save on international and domestic flights via the Cleartrip app or website.
  • Enjoy exclusive privileges at The Bicester Collection Villages, including access to eVIP pass discounts, hands-free shopping, sale events, and reserved parking.
  • Get 11% off at StayVista when you book through the StayVista website. valid for up to 2 bookings per card per year, with a maximum saving of ₹3,000 per booking.
  • Save up to 20% on duty-free shopping with AdaniOne. get 20% off (up to ₹3,000) when you spend ₹8,000 or more on their app or website, once per card per year, using promo code HSBCTRAVELONE.
  • Enjoy up to 10% off on dining bills with promo code HSBCTODINING.
  • Get up to 10% off on events using promo code HSBCTOEVENTS.

  • Buy 1 movie ticket and get 1 free twice every month with promo code HSBCTOMOV.

  • Golf Privileges: Enjoy 4 complimentary golf rounds and 12 free lessons per year at premium Indian courses, plus a 50% discount on green fees for any additional rounds beyond the complimentary ones.


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Fees And Charge Table

Card Essential

 Type:- Rewards Points

____________________________________

 Welcome Benefits:-  cashback, rP, vouchers, membership
____________________________________
Joining Fee:- ₹4,999 + GST 
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  Annual Fee:- ₹4,999 + GST
____________________________________
 Reward Structure:- rewards on SPENDS
____________________________________
Renewal Benefit:- Spend ₹8 lakh+ annually to waive the annual fee.
____________________________________
 Interest Rate:- 3.75% per month (i.e., 45% per annum)
____________________________________
 Forex Mark-up:- 3.5% + TAXS
____________________________________
 Cash Advance Charges:- 2.5% or ₹500 Whichever is higher
____________________________________
 Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹500 
____________________________________
 Wallet Transactions  Charges:- ----
____________________________________
Rental Transactions  Charges:- 1% + GST 
____________________________________
 Utility Transactions  Charges:- --------
____________________________________
 Education Fee Payment Charges:- ----
____________________________________
Railway Surcharge:- ----
____________________________________
 Fuel Surcharge:- 1%  

Rewards and Benefits Analysis

  • Best for: Frequent flyers, travel professionals, golf enthusiasts, business travellers.

  • Real Value Example (₹18L annual spend – Frequent Flyer): Earn ₹24K from flights (24K RP) + ₹48K from standard spends (24K RP) + ₹7,999 welcome bonus + ₹35K lounge access + ₹12K golf + ₹18K travel discounts + ₹10K dining/movies + ₹500 milestone = ₹1,55,499+ total value in Year 1.

  • Extra Perks: Instant Air Miles conversion, golf benefits, travel discounts, purchase protection, Bicester VIP.

Practical Considerations

Fees & Charges Summary:

  • Joining/annual fees premium tier (5K).

Eligibility:

  • Age: 18-65 years.

  • Income: ₹6 lakh+ salaried annual minimum.

  • Residency: Indian resident in 14 metro cities (Mumbai, Delhi NCR, Bangalore, Pune, Hyderabad, Chennai, Kolkata, Jaipur, Ahmedabad, Chandigarh, Coimbatore, Kochi, Noida, Gurgaon).

  • Documentation: Income proof, PAN, Aadhaar, address proof.

Limitations:

  • Geographic restriction (14 metros only).

  • Income threshold ₹6L+ (moderate but selective).

  • 4X limited to flights/travel aggregators/forex only.

  • 2X base modest for non-travel spending.

Redemption Options

Instant Redemption App:

  • Redeem RP directly to Air Miles 1-to-1 in HSBC app with major airline/hotel partners.

Best Value Strategy:

  • Consolidate all flights via card for 4X earning.

  • Use travel aggregator bookings (15-20% discount + 4X rewards).

  • Achieve ₹12L annual milestone for 10,000 bonus RP.

  • Leverage 10 lounge visits around quarterly business travel.

  • Schedule golf rounds annually (4 free + 50% additional).

  • Redeem Air Miles instantly via app (no blackout periods).

Ideal User Profile

  • Frequent air travellers (monthly+ flights).

  • Business professionals with travel requirements.

  • Golf enthusiasts and club members.

  • Those earning ₹6L+ annually.

  • Residents in 14 metro cities.

Final Thoughts

Strengths:

  • ₹7,999-11,999 welcome benefits (exceptional entry value).

  • 4X flight rewards (exceptional for travel category).

  • Instant 1-to-1 Air Miles redemption in app (unique feature, no blackouts).

  • 10 lounge visits (6 domestic + 4 international) annually.

  • 4 free golf rounds + 12 lessons + 50% green fee discount.

  • 15-20% travel booking discounts across major aggregators.

  • Bicester Village VIP access.

Limitations:

  • Geographic restriction (14 metros only).

  • Income eligibility ₹6L+ (selective).

  • 4X limited to flights/forex (not all travel).

  • 2X base modest for non-travel spending.

Verdict:
Recommended for frequent flyers in metro cities earning ₹6L+. the combination of ₹7,999 welcome, 4X flight rewards, instant Air Miles redemption, 10 lounge visits, golf benefits, and travel discounts creates genuine frequent traveller value. Best for those making 4+ flights annually and leveraging golf/dining benefits.

CDMS EXPERT ADVICE

This review offers a clear and balanced overview of The HSBC TravelOne Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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