The HSBC TravelOne Credit Card is a premium offering tailored for avid travelers. Ideal for those who excel at redeeming frequent flyer miles, this card stands out with its accelerated reward points on all travel aggregators, making it a go-to choice for maximizing travel benefits.
Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Travel Credit Card |
|
Annual Fee |
₹4,999 + GST |
|
Reward Rate |
Upto 5% |
|
USP |
4 Miles on Travel Spends including OTAs |
|
Best Use For |
Travel Spends |
Joining & Renewal Fees
The HSBC TravelOne Credit Card comes with an annual fee, justified by its extensive travel benefits.
| Category | Details |
|---|---|
|
Joining Fee |
₹4,999 + GST |
|
Joining Benefit |
₹1,000 Cashback, ₹3,000 PostCard Hotel Vouhcer & 3 Months EazyDiner Prime Membership |
|
Joining Fee Criteria |
Download HSBC App & Spend ₹10,000 within first 30 days |
|
Renewal Fee |
₹4,999 + GST |
|
Renewal Fee Waiver |
Fee waiver on spending more than 8 Lakh in a year |
Welcome benefits could have been direct reward points instead of the PostCard hotel voucher
Reward Points Earning Potential
The card offers a rewarding program with points on various spends.
| Spend Type | Reward Rate |
|---|---|
|
Airlines, Travel Aggregators, Foreign Spends |
4 points per ₹100 spent |
|
Other Eligible Spends |
2 points per ₹100 spent |
No reward points on Education and Government, e-wallets, Financial Institutions, Insurance, Fuel, Jewellery, Money Transfers, Non-Financial Institutions, Real Estate Agent, Tax Payments, Utilitie
You can earn maximum 50k reward points through Airline, OTA category.
Milestone Benefits
If you spend 12L in a year which in itself is sweet 2.8% to 4.8% rewards depending on the category of spends
Rewards Redemption
Primary use of this card is to transfer points to various airlines & hotel partners. They have 22 transfer partners.
Airline Loyalty Programs
- Maharaja Club – Air India
- Flying Blue – Air France/KLM
- AirAsia Rewards – AirAsia India
- Aeroplan – Air Canada
- Avios – British Airways
- Etihad Guest – Etihad Airways
- Infinity MileageLands – EVA Air
- Fortune Wings Club – Hainan Airlines
- JAL Mileage Bank – Japan Airlines
- Qantas Frequent Flyer – Air Vanuatu
- Avios – Qatar Airways
- KrisFlyer – Singapore Airlines
- Royal Orchid Plus – Thai Airways
- Miles&Smiles – Turkish Airlines
- MileagePlus – United Airlines
- Lotusmiles – Vietnam Airlines
Hotel Loyalty Programs
- Accor Live Limitless – AccorHotels
- IHG Rewards Club – InterContinental Hotels Group (IHG)
- Marriott Bonvoy – Marriott International
- Wyndham Rewards – Wyndham Hotels & Resorts
- Golden Circle – Shangri-La Hotels and Resorts
Other Loyalty Programs
- InterMiles
You can seemlessly find the transfer partners and points you will get in the Magnify App
Partners like JAL, Accor are good addition for the Indians.
Design and Appearance
The card features a premium design that reflects its status as a high-end travel credit card.
Airport Lounge Access
The HSBC TravelOne Credit Card offers complimentary lounge access, enhancing the travel experience for cardholders.
| Benefit | Domestic | International |
|---|---|---|
|
Lounge Visits |
6 |
4 |
Card provides international lounge access through LoungeKey which is in line with their card in other countries.
Foreign Currency Transaction Fee (Forex)
The foreign currency transaction fee is set at 3.5% of the transaction value. While the card gives 4 points per 100 spent, this may not be the best card for forex spends.
Eligibility and Application
Fuel Surcharge Waiver
The card provides a fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000
Add-On Cards
The HSBC TravelOne Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card.
Golf Benefits
The HSBC TravelOne Credit Card offers 4 complimentary rounds of golf and 12 complimentary lessons per calendar year (max 1 per calendar month). Plus, get 50% off your green fees for additional rounds.
Magnify Rating
Conclusion
The HSBC TravelOne Credit Card is a good choice for those wish to redeem their points for miles & know how to use them for free travel across the globe. While the welcome bonus could have been better, it’s a good start. Hope they come up with a lot of transfer bonuses to make it lucrative as they do in other countries around the world.