Premium Travel Credit Card

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Up to 24% rewards (in airline/hotel points) on travel spending
✔︎
International airport lounge access - 4 times per year
✔︎
Domestic airport lounge access - 6 times per year
✔︎
4 free golf rounds per year, 1 free golf lesson per month
✔︎
2 free movie tickets (up to ₹200 each) each month, through Zomato
✔︎
10% dining discount (up to ₹1000 per month), on Zomato
Annual Fee

₹4999

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offers: ₹1,000 cashback + ₹3,000 PostCard voucher + 3-month EazyDiner Prime (spend ₹10,000 in 30 days + download HSBC app)
  • Renewal offer: Annual fee waived off at ₹8 lakhs annual spend

Up to 24% Rewards (in Airline/Hotel Partner Points) on Card Spending

▶︎ Core Rewards Structure

Travel Categories 

  • 4% rewards (in airline/hotel partner points) on flights, travel aggregators, international spending
  • Monthly cap: 50,000 points 
  • 1 reward point = 1 airline/hotel partner point

General Spending 

  • 2% rewards (in airline/hotel partner points) on all other eligible purchases
  • 1 reward point = 1 airline/hotel partner point

▶︎ Bonus Rewards on Travel Spends

  • 24% total rewards (in airline/hotel partner points) on hotel bookings (via travel aggregators)
  • 16% total rewards (in airline/hotel partner points) on flight bookings
  • Monthly bonus cap: 18,000 points

Important Exclusions: No reward points given on:

  • Education & government payments
  • E-wallets & financial institutions
  • Fuel, insurance, jewelry
  • Money transfers & tax payments
  • Real estate related
  • Utilities & bail/bond payments

Up to 0.8% Additional Rewards through Milestone Benefits

  • 10,000 bonus reward points worth 10,000 travel partner points, at ₹12 lakh annual spend
  • 0.8% additional reward rate (in airline/hotel partner points) from above earnings

Up to 15% Savings through Travel Partnerships 

  • Up to 15% savings on Yatra, EaseMyTrip, PayTM Travel, ClearTrip

Domestic & International Airport Lounge Access

  • 6 domestic lounge visits per year
  • 4 international lounge visits per year

Golf Benefits

  • 4 free rounds per year
  • 12 free lessons per year (max 1/month)
  • 50% off additional green fees

Movie & Dining Offers through Zomato

  • BOGO movie tickets: 2 free tickets (up to ₹200 each) monthly
  • 10% dining discount: Up to ₹1,000 discount, valid once per month
  • 10% discount on event tickets: Up to ₹1,000 discount, valid once per month

Duty-Free Shopping Discounts

  • 20% duty-free discount via Adani One app
  • Up to ₹3,000 savings on minimum ₹8,000 order
  • Valid once per year
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Benefits

  • Good travel card with a range of travel aggregator partnerships
  • Decent earn rate on card spending (in terms of airmiles & hotel points)
  • Complimentary lounge access both in India and abroad
  • Range of lifestyle benefits: Golf, movies, dining and more

Drawbacks

  • You could get a better reward rate on travel spends on some other premium travel cards

To read the full review of the card , please click here
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