HSBC India TravelOne Credit Card

Lounge access

6 complimentary domestic lounge visits and 4 complimentary international lounge visits in a year (for Primary along with Add-on Cardmembers).

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Forex markup

Currency conversion charge: 3.5% of transaction value on foreign currency transactions.

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Charge

• Finance charge on extended credit and cash advances: 3.75% per month (45% p.a.) from date of transaction.
• Cash advance transaction fee: 2.5% of amount (min ₹500).
• Cash withdrawal against bank account at ATMs: ₹100 at ATMs overseas.
• NIL at non-HSBC ATMs in India.
• Late payment fee: 100% of Minimum Payment Due, min ₹250, max ₹1,200 per month (charged if minimum amount due not credited within 3 days of payment due date).
• Overlimit fee: 2.5% of overlimit amount or ₹500 (whichever higher) + applicable GST.
• Bounced cheque / dishonoured SI / unsuccessful NACH: ₹500.
• Currency conversion charge: 3.5%.
• Cash payment charge: ₹100 (at HSBC Branches and Dropboxes).
• Rental and related payments: 1% processing fee plus applicable taxes.
• Balance transfer charges: Rate of interest 10.99% p.a. to 15.99% p.a. across tenors, processing fee 1.5% subject to minimum ₹200.
• Add-on card fee: NIL.

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Interest-free period

Up to 45 days free credit period on purchases (not valid if any balance of the previous month's bill is outstanding; not applicable for cash advance transactions).

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Fuel surcharge waiver

• Fuel Surcharge Waiver: 1% of fuel transaction value.
• Waiver applicable if transaction is made using HSBC Credit Card and transaction amount is between ₹400 and ₹4,000 (inclusive of both amounts and excluding the surcharge amount).

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Milestone benefit

Cardholders who make Net Eligible spend of ₹12,00,000 in an anniversary year on their TravelOne Credit Card will be eligible for additional 10,000 reward points (anniversary year considered from account open date).

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Redemption value

• 1 Reward Point = ₹1 if redeemed on Apple/Travel with Points.
• 1:1 redemption on leading Airlines/Hotels/Travel Partners.
• ₹50 handling charge debited for delivery of goods and services on redemption.
• On voluntary card closure, reward points can be redeemed within one month of closure or they lapse.

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Reward cap

• Accelerated 2X reward points on Airlines, Travel Agencies and Foreign Currency spends are capped at 50,000 reward points per calendar month.
• Beyond the cap, points earn at the regular rate of 2 per ₹100.

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Reward exclusion

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Dining benefit

• EazyDiner offer on TravelOne (cards starting 517782): 10% off up to ₹1,000 on minimum bill value of ₹3,000 (code HSBCTODINING), once per card per calendar month, paid via Payeazy.
• Zomato Dining 10% discount up to ₹1,000 once per card per calendar month.

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Hotel benefit

StayVista: 11% discount up to ₹3,000 on hotel bookings made on www.stayvista.com using HSBC TravelOne Credit Card, twice per card per calendar year (no minimum booking amount; valid on all StayVista properties in India, room tariff only).

Verified · TravelOne Credit Card product page · 2026-08-04 · source

Travel benefit

• Flat 15% instant discount up to ₹5,000 on travel bookings across partner platforms using HSBC TravelOne: Yatra, EaseMyTrip, Paytm Flights, Cleartrip, Goibibo (domestic flights/hotels up to ₹3,000; international flights/hotels up to ₹5,000).
• StayVista 11% discount up to ₹3,000 (twice per card per calendar year).
• AdaniOne 20% off up to ₹3,000 duty-free on min order ₹8,000 (once per card per year).

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Insurance

• Purchase Protection (via Tata AIG through Mastercard): covers loss of covered purchases due to Accidental Damage or Theft within 180 days from date of purchase.
• Annual Aggregate Limit ₹16,66,600, Per Occurrence Limit ₹2,49,990.
• Also Lost Card Liability: nil liability after reporting.
• Covered for misuse up to 24 hours before reporting for up to ₹300,000 (via ICICI Lombard).

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Eligibility

• Offer applicable to new HSBC TravelOne Primary Credit Cardholders.
• Issuance at sole discretion of the Bank subject to internal approval norms.
• Limited to cardholders with updated KYC.

Verified · TravelOne Credit Card – Introductory Offer Terms & Conditions · 2026-08-04 · source

Official terms

https://www.hsbc.co.in/credit-cards/products/travelone/.

Verified · TravelOne Credit Card product page · 2026-08-04 · source