HSBC TravelOne Credit Card
HSBC TravelOne is one of the premium credit card comes with joining and annual fee of ₹4999+GST. It offer 4 Reward point on spend across flight, travel & also International spends. But this accelerated reward point is having cap of 50,000 reward point, You also get 2 reward point on other spend criteria with no cap. The card provide multiple benefits like 15% off at various flight and hotel booking platform Yatra, Cleartrip, EaseMyTrip, paytm. You also get complimentary domestic and International lounge access with no spend criteria. Please read the below article for more details about this credit card.
JOINING FEE
Rs. 4,999+GST
RENEWAL FEE
Rs. 4,999+GST
BENEFITS
6 Domestic Lounge & 4 International Lounge Per Year.
REWARDS &CASHBACK
15% off at Yatra, Cleartrip, EaseMyTrip & Paytm.4 RP Per Rs.100 spend on Travel Platform and 2 Rp on all other eligible spends.
Features & Benefits
Welcome Benefits
- As a welcome benefit you will get ₹1,000 cashback, postcard hotel voucher of worth ₹3,000, 3 months EazyDiner Prime Membership but to get all this you need to spend ₹10,000 within first 30 days after card receive and to download HSBC mobile app.
- Additionally cardholder can also earn 3000 reward point by spending ₹1 lakh within 90 days of card setup. This is limited time offer.
Reward points
- 4 Reward point on every ₹100 spend on flight, travel aggregators and transaction done in foreign currency. The accelerated reward point is capped at 50,000 reward point each month.
- Get 2 Reward point on every ₹100 spend on all other transaction with no cap.
- No Reward point on wallet, gold, Jewellery, rent, Insurance, Govt. Institutions, utilities, fuel, Non financial institution.
Airport Lounge
- Get 6 complimentary domestic lounge access and 4 complimentary International lounge access visit each year without meeting any spend based criteria.
- The number of lounge access with such high joining and annual fees is less.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction. Maximum waiver is Rs.250 per month.
Annual Benefits
- Annual Fee is waived off on spending ₹ 8 lakh in previous year.
Milestone Benefits
- You will get 10,000 Reward point on spending ₹12 lakh in previous year.
Others Benefits
- Get 15% off on Yatra, Easemytrip, Paytm, Cleartrip for flight and hotel booking.
- Get 11% off on hotel booking at stayVista and max 2 booking per card per year.
- Buy 1 Get 1 Movie ticket on district app by zomato twice a month and maximum discount on 2nd movie ticket is ₹200.
- Get 20% off on duty free shopping with adani one and maximum discount is ₹3000 when you spend ₹8000 once per card per year.
Reward Points Transfer
- Reward point earned with HSBC TravelOne Credit Card can be transferred to different Airline and Hotel partners. Some of the Airline and Hotel will transfer Reward point instant and some will take 1 or more business days.
| Airline | Programme | Reward Point into Miles |
|---|---|---|
|
Air India |
Air India Maharaja Club |
1 Reward = 1 Miles |
|
Air Asia |
Air Asia Reward |
1 Reward = 3 Miles |
|
Air France KLM |
Flying Blue |
1 Reward = 1 Miles |
|
British Airways |
British Airways Executive Club |
1 Reward = 1 Miles |
|
Etihad Airways |
Etihad guest |
1 Reward = 1 Miles |
|
EVA Air |
Infinity MileageLands |
1 Reward = 1 Miles |
|
Hainan Airlines |
Hainan Airlines Fortune Wings Club |
1 Reward = 2 Miles |
|
Japan Airlines |
JAL Mileage Bank |
1 Reward = 1 Miles |
|
Singapore Airlines |
Singapore Airlines Krisflyer |
1 Reward = 1 Miles |
|
Qantas Airways |
Qantas Frequent Flyer |
1 Reward = 1 Miles |
|
Qatar Airways |
Qatar Airways Privilege Club |
1 Reward = 1 Miles |
|
Thai Airways |
Royal Orchid Plus |
1 Reward = 1 Miles |
|
Turkish Airlines |
Turkish Airlines Miles&Smiles |
1 Reward = 2 Miles |
|
United Airlines |
United MileagePlus |
1 Reward = 2 Miles |
|
Vietnam Airlines |
Vietnam Airlines Lotusmiles |
1 Reward = 1 Miles |
| Hotels | Programme | Reward Point Transfer ratio |
|---|---|---|
|
Accor |
ALL – Accor Live Limitless |
1:1 |
|
IHG® Hotels & Resorts |
IHG One Rewards |
1:1 |
|
Marriott International |
Marriott Bonvoy |
1:1 |
|
Shangri-La |
Shangri-La Circle |
1:5 |
|
Wyndham Hotels & Resorts |
Wyndham Rewards |
1:1 |
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Final Thoughts
HSBC TravelOne Credit Card is designed for the traveller and it is good choice who frequently travel. You will earn accelerated reward point on travel and International transaction which is limited to 50000 reward point in a month but there is no cap on base reward point which is 2 reward/₹100. The number of lounge access is quite less compare to joining/annual fees. There is similar credit card Axis Bank Atlas comes with same joining/annual fee and have more number of lounge access and better reward rate but in HSBC TravelOne you get variety of airline and hotel transfer choices and instant redemption.
- Frequently Asked Questions
Do I get both complimentary Domestic & International lounge access?
Yes you will get 6 complimentary domestic and 4 International lounge access in a year.
Is there any spend based criteria in HSBC TravelOne credit card to access lounge?
No HSBC TravelOne credit card do not have spent based criteria for lounge access.
Does HSBC TravelOne credit card have spend based annual fee waiver?
Yes, Annual fee will get waived off on spending ₹8 lakh in previous year.