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Imagine getting off a long flight, passing through security checks with ease, and relaxing in the cozy ambiance of an airport lounge—all without spending a single rupee. The HSBC TravelOne Credit Card offers such ease and convenience to avid travelers. Designed for those who live to explore new places and stay in comfortable accommodations, this card rewards your travel expenses, enjoys lounge access, and helps you save on everyday purchases. Let’s find out why it could be your next must-have travel companion, travel credit card

What makes HSBC TravelOne Credit Card special

Easy fee waiver and welcome benefits, Nobody wants a card that empties their wallet with hefty fees. TravelOne makes it easy: the ₹1,499 joining fee is waived off when you spend ₹60,000 in the first 90 days, and the ₹1,499 annual fee is waived off if you spend ₹1,20,000 annually. Think of it like your travel wardrobe—invest a little time and money upfront, and the rest of the year’s expenses are in your hands.

Plus, there’s a lovely welcome gift of 1,000 bonus points when you spend ₹1,50,000 annually, and you’re already racking up miles before you even book your first flight.

Double points every time you use travel credit card

The beauty of TravelOne is its rewards structure. You earn:

• 2 points for every ₹100 spent on travel credit card—such as flights, hotel stays, holiday packages
• 1 point for every ₹100 on all other everyday purchases
• Let’s say you book a round-trip flight to Bangkok for ₹50,000. That’s 1,000 points—enough to redeem ₹1,000 for your next trip. And if you’re checking into a resort worth ₹20,000, you’ll earn another 400 points. It adds up faster than you can say “wanderlust.”

Free lounge access to make your travel easier with Travel credit card

Nothing beats a relaxing moment away from the airport rush. With TravelOne, you get these perks:

• One free domestic lounge visit every quarter using travel credit card
• Two international lounge visits annually when your total spends cross ₹2,50,000

Imagine enjoying a fresh cup of coffee in a quiet lounge, charging your devices, and reading emails—while the rest of the terminal is bustling with activity. These quarterly and annual lounge credits alone can save you thousands and turn your stay into mini-rest breaks.

Travel protection and concierge services

Peace of mind on the road, Travel comes with its share of mishaps—lost luggage, delayed flights, or an expensive camera that drops out of your hand. TravelOne helps you with:

• Lost luggage reimbursement up to ₹25,000 per trip
• Buy travel luggage protection up to ₹10,000 per item

Suddenly, a lost luggage or theft doesn’t seem like the end of your adventure.

If you are planning to travel checkout my guides on various within India

White-glove booking assistance

Do you need help booking a last-minute flight or booking a boutique island villa? The global concierge service can assist you with:

• Flight and hotel reservations
• Special requests like room upgrades or spa bookings
• Local tips and tailored itineraries

It’s like having a personal travel assistant in your pocket, ready to clear any hurdles on your trip.

Everyday benefits you’ll love using travel credit card

Fuel surcharge waiver for road trippers

If the purpose of your trip is to travel off the open road, a 1% fuel surcharge waiver (on transactions of ₹400-₹4,000) will keep petrol costs in check. On longer road trips, this small saving can translate into extra meals, sightseeing, or that cozy homestay you’ve had your eye on.

Easy conversions and contactless convenience

• Tap-to-pay with contactless EMV chip technology for quick purchases
• Convert large expenses (above ₹2,000) into easy EMIs

Whether you’re grabbing a quick roadside snack or splurging on an expensive travel camera, these features make payments seamless and stress-free.

Interest rates and important charges

Transparency is key when it comes to credit. Here’s what you should know:

• Retail annual interest rate: 3.35% per month (approximately 40.20% per annum)
• Cash advance fee: 2.5% of the transaction (minimum ₹500)
• Late payment fee: ₹500-₹1,200 depending on the outstanding amount
• Forex markup: 3.5%

Being aware of these charges ensures that you can manage your card responsibly and avoid unexpected events.

Who should apply for HSBC TravelOne?

Frequent Flyers and Hotel Lovers

If at least half of your credit card spending goes toward flights and hotels, the 2x points on travel will skyrocket your rewards balance. That’s ideal for business travellers, honeymooners, or anyone chasing airline miles and loyalty status.

International Explorers

With two international lounge visits per year and travel protections that apply worldwide, the TravelOne is perfect for jet-setters who cross borders regularly. From baggage mishaps in Europe to unplanned delays in Southeast Asia, you’ll have support and comfort at every step.

Urban Road Warriors

Even if you prefer four wheels over wings, the fuel surcharge waiver and everyday rewards make this card a solid choice for city-to-city drives. Combine that with lounge visits for your domestic flights, and you’ve got a versatile travel tool.

How to make the most of your HSBC TravelOne benefits

• Plan your spends: Aim to hit the fee-waiver threshold quickly—spend ₹60,000 in the first 90 days and ₹1,20,000 annually to avoid fees.
• Book travel through the portal: Redeem points at ₹1 per point on the HSBC Travel Portal for flights and hotels.
• Use lounge visits wisely: Save domestic lounge visits for long layovers or early morning departures when you need a quiet workspace.
• Leverage security: Register big-ticket travel items and keep receipts handy in case you need to file a claim.
• Tap & Go: Use contactless payments for small purchases in the city to earn points without having to fumble for cash.

Final thoughts

The HSBC TravelOne Credit Card is not just a simple piece of plastic—it’s a gateway to more comfortable, more profitable travel. From the ease with which you apply and earn Welcome Points to the hours you spend in airport lounges, every feature is designed with your travel in mind. If you are looking for a card that offers a combination of travel rewards, protection, and lifestyle benefits, TravelOne deserves a place in your wallet. Pack your bags, apply online, and get ready to turn your every trip into a seamless adventure.

To qualify for the HSBC TravelOne credit card, you must be between 21 and 60 years of age if you are a salaried professional—or up to 65 years for self-employed applicants. Salaried candidates will typically need to show a minimum monthly income of around ₹25,000 (the exact threshold varies by city), while self-employed individuals will need to show an annual income of at least ₹3 lakh. The application process is simple: you need to submit standard identity and address proofs (such as Aadhaar, PAN card, or utility bills) along with your latest salary slip or income tax return. If you meet these criteria, you are all set to reap TravelOne’s travel rewards and lounge benefits!