Synopsis: With India’s spending habits evolving, users are increasingly choosing cards that provide rewards and benefits instead of plain cashback. This article talks about one such credit card- the HSBC TravelOne Credit Card. The article explains in detail the reward structure of the card, along with the benefits offered and fees.
The HSBC TravelOne Credit Card stands out by offering high reward rates on travel and international spending. For frequent travellers who prefer choice over fixed cashback and miles over flashy offers, HSBC TravelOne defines what a modern, versatile travel credit card should be in India today.
Fees and charges
- Joining/annual fee: ₹ 4,999
- Annual fee waiver: ₹8 lakhs spent in the preceding year.
- Card type: Travel Credit Card
- Interest rate: 3.75% p.m i.e 45% p.a
- Forex mark-up rate: 3.5% +GST
Rewards and Benefits
1. Reward Points on Travel & Foreign Spends
- 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
2. Milestone Points
- 3,000 bonus points on spending ₹1 lakh in 90 days
- 10,000 bonus points on spending over ₹12 lakh in a year.
3. Welcome benefit
- ₹ 1,000 cashback, ₹3,000 PostCard voucher and a 3-month EazyDiner membership on spending ₹10,000 within the first 30 days.
4. Travel Rewards
- Up to 6X accelerated reward points for spending on Travel with Points
- 6 domestic lounges and 4 international lounges are free for a year.
- 15% off on Yatra, EaseMyTrip, Paytm flights and Cleartrip spending.
- 11% off on StayVista
5. Lifestyle and Entertainment
- Up to 10% off on District App
- Save 20%, up to INR3,000, on their app or website when you spend INR8,000 or more, once per card per year
- up to 10% off events with promo code HSBCTOEVENTS, and dining with promo code HSBCTODINING. Plus, buy 1 movie ticket and get 1 free twice a month with promo code HSBCTOMO
Also read: This HDFC Credit Card Can Save You Up to ₹13,500 on Train Bookings – See How
Why is HSBC TravelOne is One of the Best Travel Credit Card in India Right Now?
The HSBC TravelOne Credit Card is considered one of the best travel credit cards in India today. It combines high rewards, easy redemption, travel perks, and welcome benefits that attract regular travellers.
Unlike many standard rewards cards, TravelOne offers an accelerated earn rate of 4 reward points for every ₹100 spent on flights, travel aggregator bookings, and foreign currency transactions. It also has a solid base earn of 2 points per ₹100 on other eligible spending. Additionally, there is an annual milestone of up to 10,000 bonus points for high spenders and free airport lounge access for six domestic and four international visits each year. It also provides good discounts on travel bookings with popular sites like Yatra, EaseMyTrip and StayVista. This helps you save more on trips while you earn rewards at the same time.
Furthermore, welcome benefits such as cashback, hotel vouchers, and EazyDiner Prime membership upon activation and initial spend provide an upfront value that can exceed the annual fee in the first year. All of these make HSBC TravelOne especially appealing for cardholders who focus on travel rewards and perks rather than general cashback or retail benefits. It stands out among travel cards in India today.
Who Should Choose this Card?
Get the HSBC TravelOne Credit Card if you travel frequently or if you are a high spender who prefers flexible travel rewards over simple cashback. This card is great for business travellers, international flyers, and premium leisure travellers who often book flights and hotels and appreciate airport lounge access. It also benefits high spenders since you can waive the annual fee by spending ₹8 lakh. Plus, you can earn 10,000 bonus reward points when you reach ₹12 lakh in spending, which improves your returns.
Conclusion
Overall, HSBC TravelOne is perfect for those who travel often, spend wisely, and want one card that combines rewards, lounges, and travel flexibility instead of regular cashback
Written by Nila Maria Jacob
