HSBC TravelOne Credit Card
HSBC · VISA★ 4.5/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
2% on Travel
2 TravelOne miles per ₹100; transfer 1:1 to 10+ airline & hotel partners
2% on International
2 miles per ₹100 on international spends
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Milestone Bonus
~₹3,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
✓
International lounges
₹6,000
Estimated annual value
2%
Forex markup
2.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (8 visits/yr, worth ~₹6,000)
- Miles on: Singapore Airlines, Air India, Qatar Airways, British Airways
- Low forex markup: 2.0%
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹3,000
Milestone bonus value
- Milestone bonus miles on annual spend
HSBC TravelOne is HSBC India's miles card — 2 TravelOne miles per ₹100 on all spends, transferable 1:1 to 10+ airline and hotel partners including Singapore Airlines KrisFlyer, Air India, Qatar Airways, British Airways Avios, Cathay Pacific Asia Miles, Etihad Guest, Turkish Miles&Smiles, Marriott Bonvoy, and Hilton Honors. The breadth of transfer partners is rare in India.
Who is this for?
Frequent flyers who want to accumulate transferable miles rather than cashback or fixed-programme points. The 10-partner transfer roster makes it one of the most flexible travel cards in India — particularly useful for premium cabin redemptions on international carriers.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 2% | — |
| International | airline miles | 2% | — |
| Other | airline miles | 2% | — |
Travel: 2 TravelOne miles per ₹100; transfer 1:1 to 10+ airline & hotel partners · Singapore Airlines,Air India,Qatar Airways,British Airways,Cathay Pacific,Etihad,Marriott Bonvoy,Hilton
International: 2 miles per ₹100 on international spends
Other: 2 miles per ₹100 on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Complimentary airport lounge access (domestic + international) via Dreamfolks
Milestone bonus miles on annual spend
Should you get it?
- Best for: Frequent international travellers targeting business or first class via miles, Users who want flexibility across multiple airline loyalty programmes, Anyone accumulating points for Singapore Airlines KrisFlyer or Qatar Privilege Club
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (2% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- 2 TravelOne miles per ₹100 on ALL spends — no category restrictions
- Transfer 1:1 to 10+ airline and hotel partners including Singapore Airlines, Qatar Airways, and Marriott Bonvoy
- Complimentary domestic and international lounge access via Dreamfolks
- Welcome bonus of 3,000 miles on card activation
- Best transferable-miles card in India for premium cabin redemptions
Cons
- ₹4,999 annual fee with no spend-based waiver
- Full value requires active use of transfer partners — not for casual redeemers
- 2% forex markup despite being a travel card
Eligibility & documents
What your hsbc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
Miles must be transferred to earn maximum value; non-travel cardholders will get little from 2 miles/₹100 at face value. The ₹4,999 fee has no spend-based waiver.
Bottomline
CardAdvisor Rating: 4.5 / 5TravelOne is the best transferable-miles card in India for international travel redemptions. The ₹4,999 fee is steep but justified if you use the transfer partners — a business-class redemption on Singapore Airlines or Qatar can return 5–10× the annual fee in value.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HSBC TravelOne Credit Card are taken from HSBC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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