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HSBC TravelOne Credit Card
HSBC • Visa

HSBC TravelOne Credit Card

Travel-focused rewards card with accelerated earn on travel/forex and 1:1 air miles transfer.

Reviewed by CardWise Editorial Team
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹4999Waived on annual spends above ₹8L
Base Reward0.5%On all spends
Lounge Access4231 domestic • 11 intl
Est. Annual Savings₹-4,399Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹4,999

Waived on annual spends above ₹8L

Net value₹3,199

Estimated cost after fees.

Fee waiver target: ₹8,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • HSBC TravelOne is built for transfer-partner travel redemptions with 1:1 instant transfer pathways on several airline/hotel partners.
  • Earning is clearly tiered: accelerated points on flights, travel aggregators and forex; base points on other retail spends.
  • Card value improves significantly for users who can combine lounge usage, travel discounts, and high annual spend milestones.

Best Utilization

  • Concentrate flight, travel OTA and international spends here to maximize accelerated earn and transfer value.
  • Redeem through partner transfers for premium travel itineraries instead of low-value catalogue redemption whenever possible.
  • If targeting fee waiver economics, plan annual spend pacing against the published waiver threshold instead of back-loading in final quarter.

Watchouts

  • Travel card value depends on redemption skill; suboptimal redemption can compress realized return materially.
  • Annual fee is high and should be justified by either spend waiver or consistent premium-travel usage.
  • Partner offers and transfer partner economics can change over time; review latest program terms before large redemptions.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹4,999
  • Annual fee₹4,999
  • Waiver threshold₹8,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-13

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/point₹1
  • Transfer partners1
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count6
  • International count4
  • Quarterly limitNot listed
  • Airport-terminal rows42
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Privé

Annual fee: ₹500

Shared focus: RewardsHigher top earn rate (0.8%)Estimated +₹4,799/yr value
View Details
Step 2

Taj

Annual fee: ₹500

Shared focus: RewardsHigher top earn rate (0.8%)Estimated +₹4,799/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HSBC TravelOne Credit Card using your current period spend.

₹0 spent₹100 target

Policy signal used: 4 reward points per ₹100 on flights, travel aggregators and forex spends

Spend threshold

Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

42 airport lounge rows
View lounge map and location list42 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

3 lounges • 2 domestic • 1 international

3
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Amritsar

4 lounges • 2 domestic • 2 international

4
Costa CoffeeDomestic

AMR • Amritsar Airport • NA

Costa CoffeeInternational

AMR • Amritsar Airport • NA

Primus LoungeDomestic

AMR • Amritsar Airport • NA

The Airr LoungeInternational

AMR • Amritsar Airport • International Terminal

Bengaluru

1 lounges • 1 domestic • 0 international

1
Lounge - West PHDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Dehra Dun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • NA

Carnations LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Mohanbari Dibrugarh Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • NA

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 1

Jammu

1 lounges • 1 domestic • 0 international

1
Airport Jammu Executive LoungeDomestic

JAM • Jammu Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOC • Kochi Airport • Terminal 1

Travel ClubInternational

KOC • Kochi Airport • Terminal 3

Kolkata

1 lounges • 0 domestic • 1 international

1
AnnexInternational

KOL • Kolkata Airport • Terminal 1

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Mumbai

4 lounges • 4 domestic • 0 international

4
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 1C

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 2

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • NA

The Airr LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Patna

1 lounges • 1 domestic • 0 international

1
m Airport Vishakhapatnam The Airr LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Prayagraj

1 lounges • 1 domestic • 0 international

1
Airport Allahabad / PrayagrajDomestic

PRA • Prayagraj Airport • Domestic Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Birsa Munda Ranchi The Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Terminal 1

Thiruvananthapuram

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

THI • Thiruvananthapuram Airport • Terminal 1

The LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Airport Vadodara Premium LoungeDomestic

VAD • Vadodara Airport • NA

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • 4 reward points per ₹100 on flights, travel aggregators and forex spends
  • 2 reward points per ₹100 on other eligible spends with no cap
  • Instant 1:1 reward points to air miles conversion in HSBC app
  • 6 domestic and 4 international lounge visits every year

Things to Consider

  • Annual fee is ₹4,999 unless annual spend exceeds ₹8,00,000
  • Travel reward realization depends on partner seat/room availability
  • Reward exclusions still apply under product terms and MCC rules

About HSBC TravelOne Credit Card

HSBC TravelOne Credit Card is a points card from HSBC, best for travel & lounge access. It is tagged under travel, rewards, international, premium categories in our database.

TravelRewardsInternationalPremium

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Frequently asked questions

Is HSBC TravelOne Credit Card lifetime free?

It has an annual fee of ₹4999. Waived on annual spends above ₹8L

What rewards does HSBC TravelOne Credit Card offer?

Travel-focused rewards card with accelerated earn on travel/forex and 1:1 air miles transfer.

Does HSBC TravelOne Credit Card include lounge access?

HSBC TravelOne Credit Card lists 42 lounge visits (31 domestic, 11 international).

Who should consider HSBC TravelOne Credit Card?

Travel & lounge access

Where can I apply for HSBC TravelOne Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-13
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.