HSBC TravelOne Credit Card

₹5,899 plus GST, waived on ₹8,00,000 of annual spend.

The strongest published rate is 4% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

Yes. The issuer publishes no additional spend condition for this card's lounge access.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.

HSBC Bank publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.

Transferred to airline Air Miles at 1 reward point to 1 mile, Redeemed against travel bookings, Redeemed from the HSBC rewards catalogue

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

4 reward points for every Rs. 100 spent on flights, travel aggregators and in foreign currency, and 2 reward points per Rs. 100 on everything else with no cap. That uncapped 2-point base is the card's real strength — most cards in this catalogue drop to a fraction of a percent outside their named categories.

At 1 to 1. HSBC states the ratio plainly, which matters because most co-branded cards either bury the conversion or revise it later. It also means the card's 4-point travel rate and 2-point base rate can be read directly as miles per hundred rupees.

Only above Rs. 8,00,000 of annual spending — about Rs. 67,000 a month. Below that the Rs. 4,999 plus GST, which is Rs. 5,899, is payable every year. The welcome benefits are worth roughly Rs. 4,250, so the first year nearly pays for itself; from year two the rewards have to.

Six domestic and four international airport lounge visits every year, plus four complimentary rounds of golf and twelve golf lessons a calendar year. Ten lounge visits is a healthy allowance for the fee tier, though several cards here give more.

Salaried applicants aged 18 to 65 with an annual income of at least Rs. 6,00,000, and self-employed applicants aged 25 to 65 with an annual income of at least Rs. 12,00,000. The lower age bound of 18 for salaried applicants is unusually generous for a card at this fee.

3.5%, which the card's own terms state. That matters when reading the 4-point rate on foreign currency: the markup and the accelerated earning apply to the same spending, so they largely cancel. HSBC reserves its 0.99% markup for the separately named HSBC Premier Credit Card.