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premiumpointsHSBC India · Mastercard
HSBC TravelOne Credit Card
2× per ₹100 on most spends; 3× on flights, hotels, and international travel. Notable for instant / near-real-time transfers to partners and a flat 1:1 ratio across the roster.
what it costs
| joining fee | ₹4,999 |
|---|---|
| annual fee | ₹4,999 |
| how to dodge the fee | — |
| forex markup | 0.99% + GST |
how you earn
every ₹100 you swipe earns you points in HSBC Reward Points.
| default | 2× / ₹100 |
|---|---|
| travel | 3× / ₹100 |
| international | 3× / ₹100 |
freebies
| welcome gift | 20,000 Reward Points + ₹1,000 cashback + ₹3,000 Postcard Hotels voucher on ₹10,000 spend within the first 30 days |
|---|
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer1:1
- British Airways Executive Club1:1
- Air France-KLM Flying Blue1:1
- Etihad Guest1:1
- Air India Maharaja Club1:1
- Marriott Bonvoy1:1
- IHG One Rewards1:1
- Accor Live Limitless1:1
extras
| domestic lounges | 6/year |
|---|---|
| international lounges | 4/year via Priority Pass |
| who can apply | Salaried or self-employed; HSBC India standard underwriting |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.