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HSBC India · Visa · हिन्दी

HSBC TravelOne Credit Card: full review

The HSBC TravelOne is the best flexible airmiles card available to new applicants in India in 2026 after Axis Atlas closed. The 1:1 transfer to 20 airline and hotel partners, 2% base earn rate and airport transfers make it compelling for serious travel hackers. The 3.5% forex is a significant drawback, pair it with a zero-forex card for international payments.

Apply now ↗Annual fee: ₹4,999 + taxes
Last updated: August 2026 · Current terms verified
HSBC INDIA
VISA
)))
TRAVELONE
ASHOK KUMAR
12/28
₹4,999 + taxes (waived on ₹8,00,000/year spend)Annual fee
4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partnersReward structure
10 visits/year (domestic + international combined); 4 complimentary airport transfers/yearLounge access

Key benefits of the HSBC TravelOne Credit Card

4 reward points per ₹100 on travel bookings and international transactions2 reward points per ₹100 on all other eligible spends (no cap)Instant 1:1 points transfer to 20 partners: Air India, British Airways, Singapore Airlines, Qatar, Etihad, Marriott, Accor and more12X on hotels + 6X on flights booked via HSBC TravelOne Rewards portal10 complimentary lounge visits/year (domestic + international)4 complimentary airport transfers/year in premium SUV (valid till Dec 2026)₹1,000 cashback + ₹3,000 PostCard voucher + EazyDiner 3-month membership as welcome benefit
Apply now ↗ Min. income: ₹6L+/year · Credit score: 750+
Pros and cons
Pros
✓ Best flexible airmiles card in India for new applicants in 2026 (Axis Atlas closed to new users)
✓ 1:1 transfer to 20 partners is the widest in India
✓ 2% base rate with no cap is strong
✓ Instant transfer via app, no wait times
Cons
✗ 3.5% forex markup negates rewards on international spends: use a zero-forex card abroad
✗ No rewards on fuel, rent, utilities, insurance, government payments
✗ ₹8L annual spend needed to waive ₹4,999 fee
✗ Not available in all cities, select metros only
Quick facts
Issuer HSBC India
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹4,999 + taxes (waived on ₹8,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹4,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceHSBC India's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for HSBC TravelOne Credit Card is ₹4,999 + taxes (waived on ₹8,00,000/year spend). The joining fee is ₹4,999.
The main benefits of the HSBC TravelOne Credit Card are: 4 reward points per ₹100 on travel bookings and international transactions; 2 reward points per ₹100 on all other eligible spends (no cap); Instant 1:1 points transfer to 20 partners: Air India, British Airways, Singapore Airlines, Qatar, Etihad, Marriott, Accor and more; 12X on hotels + 6X on flights booked via HSBC TravelOne Rewards portal; 10 complimentary lounge visits/year (domestic + international); 4 complimentary airport transfers/year in premium SUV (valid till Dec 2026); ₹1,000 cashback + ₹3,000 PostCard voucher + EazyDiner 3-month membership as welcome benefit.
4 points per ₹100 on travel and international spends (4%); 2 points per ₹100 on all others (2%); instant 1:1 transfer to 20 airline/hotel partners
HSBC TravelOne Credit Card is best for Frequent international travellers wanting flexible airmiles across 20 airline and hotel partners. The HSBC TravelOne is the best flexible airmiles card available to new applicants in India in 2026 after Axis Atlas closed. The 1:1 transfer to 20 airline and hotel partners, 2% base earn rate and airport transfers make it compelling for serious travel hackers. The 3.5% forex is a significant drawback, pair it with a zero-forex card for international payments.
The minimum income requirement for HSBC TravelOne Credit Card is ₹6L+/year. A minimum credit score of 750+ is also recommended.
Yes, HSBC TravelOne Credit Card offers 10 visits/year (domestic + international combined); 4 complimentary airport transfers/year.
HSBC TravelOne Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
HSBC TravelOne vs Axis Bank Atlas Compare →HSBC TravelOne vs RBL Bank World Safari Compare →HSBC TravelOne vs SBI Card MILES PRIME Compare →HSBC TravelOne vs Axis Bank Horizon Compare →
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