Discover the benefits of the HSBC TravelOne Credit Card India. Earn air miles, enjoy lounge access, travel insurance, and more with every purchase!
Table of Contents
Introduction
If you’re a frequent traveler or someone who loves to explore the world, having the right credit card can make your travel experiences smoother and more rewarding. The HSBC TravelOne Credit Card offers a host of features designed specifically for travel enthusiasts. Whether it’s earning points on every purchase, accessing exclusive airport lounge benefits, or enjoying exciting travel offers, this credit card has everything you need to make your journeys more rewarding.
In this detailed blog, we’ll dive into everything you need to know about the HSBC TravelOne Credit Card in India, including its benefits, features, how to apply, and how to maximize your rewards. So, buckle up and get ready to explore this travel-focused credit card in detail.
What is the HSBC TravelOne Credit Card?

The HSBC TravelOne Credit Card is a premium credit card that focuses on providing rewards and perks for those who love to travel. Designed to enhance your travel experience, this card offers several advantages, including earning Air Miles, exclusive airport lounge access, special travel offers, and much more. The card is perfect for frequent travelers who want to maximize their spending and earn rewards for every flight ticket, hotel booking, or even for everyday purchases.
Key Features of the HSBC TravelOne Credit Card
Before we dive deeper into the card’s benefits, let’s first look at the key features that make the HSBC TravelOne Credit Card stand out:
1. Reward Points on Every Purchase
One of the standout features of the HSBC TravelOne Credit Card is the reward points system. For every ₹150 spent, cardholders earn 2 reward points. These reward points can be redeemed for a variety of options, including booking flights, hotel stays, or even for shopping or dining.
2. Earn Air Miles with Every Purchase
For every ₹150 spent, you will earn 2 air miles on your HSBC TravelOne Credit Card. These air miles can be used for booking flights with major airlines, making it easier for you to travel without worrying about the cost of your tickets.
3. Airport Lounge Access
Frequent travelers will appreciate the exclusive access to airport lounges. The HSBC TravelOne Credit Card provides complimentary access to over 1,000 airport lounges worldwide, allowing you to relax and enjoy premium services while waiting for your flight.
4. Complimentary Travel Insurance
The card also offers complimentary travel insurance that covers a wide range of issues such as trip cancellations, lost baggage, and medical emergencies, ensuring you travel with peace of mind.
5. Fuel Surcharge Waiver
You can save on fuel expenses with the HSBC TravelOne Credit Card. The card offers a fuel surcharge waiver of 1% at all fuel stations across India, allowing you to save on your fuel purchases.
6. Milestone Benefits
HSBC rewards you for your spending with milestone benefits. Upon reaching a specific milestone of ₹1,00,000 spend in a year, cardholders can avail themselves of bonus rewards. These bonuses are further redeemable for travel bookings or other rewards.
7. Zero Liability on Lost Card
If your card is lost or stolen, you’re not liable for unauthorized transactions. You must report the loss to HSBC immediately to ensure you’re not charged for any fraudulent activity.
How to Earn Reward Points on the HSBC TravelOne Credit Card
To get the most out of your HSBC TravelOne Credit Card, you need to understand how the reward points system works. The more you spend, the more points you accumulate. Here’s how you can earn points:
- Every ₹150 Spent: You earn 2 reward points.
- Airline Tickets: You earn air miles for all travel-related expenses like booking airline tickets, hotels, and other travel services.
- Dining & Shopping: Reward points are also awarded for purchases made at restaurants, malls, and retail stores.
These points accumulate over time, and you can redeem them for:
- Free flight tickets or upgrades
- Hotel stays
- Shopping vouchers
- Access to exclusive events or experiences
How to Redeem Your HSBC TravelOne Reward Points

Once you’ve accumulated reward points, you can redeem them through the HSBC Rewards Program. The points are usually redeemable for:
- Airline Miles: Convert your points into airline miles and book your next flight.
- Hotel Stays: Use your reward points for discounted or free stays at hotels across the globe.
- Shopping Vouchers: Redeem points for shopping vouchers from popular brands, allowing you to purchase items of your choice.
- Cashback: You can even choose to redeem your points for cashback on your card statement.
The flexibility in redemption options allows you to use your points according to your personal preferences.
Exclusive Travel Benefits of the HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is more than just a rewards card; it’s packed with exclusive travel benefits to make your trips more enjoyable:
1. Complimentary Airport Lounge Access
The card provides complimentary access to more than 1,000 airport lounges worldwide, including lounges in India. Whether you’re traveling for business or leisure, you can relax in comfort before your flight, enjoy refreshments, and access business facilities like Wi-Fi and charging ports. This is a huge perk for travelers who want to maximize their travel experience.
2. Travel Insurance Coverage
With the HSBC TravelOne Credit Card, you get complimentary travel insurance that covers the following:
- Trip Cancellations: In case of unforeseen emergencies that force you to cancel your trip, you’ll be covered for the cancellation charges.
- Medical Emergencies: You are covered for medical expenses that might arise while traveling abroad.
- Loss of Baggage: The card provides insurance for your lost baggage, giving you one less thing to worry about when traveling.
- Flight Delays: If your flight gets delayed for more than 6 hours, you can claim compensation for the inconvenience.
3. Discounts on Travel Bookings
With the HSBC TravelOne Credit Card, you get access to various discounts on flights, hotels, and travel packages. The card offers exclusive partnerships with travel service providers, making it easier to book your next getaway at a discounted rate.
4. Global Assistance Program
Whether you’re lost, need emergency funds, or require legal assistance while traveling, the Global Assistance Program offers 24/7 support. This feature ensures that you’re never alone while traveling abroad.
How to Apply for the HSBC TravelOne Credit Card

Applying for the HSBC TravelOne Credit Card is easy, and you can do so online or by visiting a branch. Here’s a simple step-by-step guide:
Step 1: Check Eligibility
Before applying, ensure that you meet the eligibility criteria for the HSBC TravelOne Credit Card. Generally, you need to:
- Be a resident of India.
- Be at least 21 years old (up to 60 years for a primary cardholder).
- Have a steady source of income (salaried or self-employed).
Step 2: Submit Required Documents
The required documents typically include:
- Identity Proof (Aadhaar, Passport, Voter ID)
- Address Proof (Utility Bill, Passport, Rent Agreement)
- Income Proof (Salary Slip, Bank Statements)
Step 3: Fill Out the Application Form
Once you have all the documents, fill out the online application form on the HSBC website. You’ll be asked to provide personal details like your name, address, income, etc.
Step 4: Wait for Approval
HSBC will review your application and verify your details. If everything is in order, your card will be approved, and you’ll receive it within a few business days.
HSBC TravelOne Credit Card Fees and Charges
Like any premium credit card, the HSBC TravelOne Credit Card comes with a few fees and charges, which you should be aware of:
- Annual Fee: ₹1,000 + GST (waived off if the annual spend exceeds ₹1,00,000)
- Interest Rate: 3.49% per month (on outstanding balances)
- Cash Withdrawal Fee: 2.5% of the amount withdrawn or ₹500 (whichever is higher)
- Late Payment Fee: ₹500 (if the minimum payment is not made on time)
Make sure you read the fine print to avoid surprises and use the card responsibly to maximize its benefits.
Conclusion
The HSBC TravelOne Credit Card is an excellent choice for frequent travelers who want to maximize their rewards and enjoy exclusive travel benefits. From earning air miles on every purchase to accessing airport lounges, enjoying travel insurance, and more, this card offers a wide range of perks that will elevate your travel experience.
Whether you’re booking a flight, shopping for travel gear, or dining at a restaurant, every transaction can help you unlock amazing rewards. So, if you’re someone who loves to travel, this card could be your ideal travel companion.
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FAQs About HSBC Travelone Credit Card India:
What are the benefits of the HSBC TravelOne Credit Card?
The card offers air miles, airport lounge access, travel insurance, fuel surcharge waiver, and exclusive discounts on travel bookings.
How can I earn air miles with the HSBC TravelOne Credit Card?
You earn 2 air miles for every ₹150 spent on eligible purchases with the card.
Can I redeem my reward points for free flights?
Yes, your reward points can be redeemed for free flights through HSBC’s Rewards Program.
Does the HSBC TravelOne Credit Card offer complimentary lounge access?
Yes, the card offers complimentary access to over 1,000 airport lounges worldwide.
Is travel insurance included with the HSBC TravelOne Credit Card?
Yes, the card provides complimentary travel insurance, covering trip cancellations, lost baggage, medical emergencies, and more.
What is the annual fee for the HSBC TravelOne Credit Card?
The annual fee is ₹1,000 + GST, which is waived if you spend ₹1,00,000 or more in a year.
How can I redeem my reward points?
Points can be redeemed for flight bookings, hotel stays, shopping vouchers, or cashback through the HSBC Rewards Program.
Are there any fuel surcharge benefits with the HSBC TravelOne Credit Card?
Yes, the card offers a 1% fuel surcharge waiver at all fuel stations across India.
How do I apply for the HSBC TravelOne Credit Card?
You can apply online through the HSBC website or visit a branch to submit your application.
What documents are required to apply for the HSBC TravelOne Credit Card?
You’ll need identity proof, address proof, income proof, and a recent photograph to apply.
Can I earn reward points for non-travel related expenses?
Yes, you can earn reward points on all purchases, including dining, shopping, and bill payments.
Is there a foreign currency markup fee on international transactions?
Yes, there is a foreign currency markup fee of 3.5% on international transactions.
How can I track my reward points on the HSBC TravelOne Credit Card?
You can track your reward points through the HSBC online banking portal or mobile app.
What happens if my HSBC TravelOne Credit Card is lost or stolen?
Report the loss to HSBC immediately. You won’t be liable for any fraudulent transactions after reporting the loss.
Is the HSBC TravelOne Credit Card accepted internationally?
Yes, the card is accepted globally at millions of merchants and ATMs.
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