HSBC India TravelOne

Fees

Waiver: Annual fee is waived if the cardholder spends ₹8,00,000 or more in the preceding 12 months (confirmed on HSBC's own TravelOne page and corroborated by CardExpert and CardInsider).

Rewards

Perks

• ✓Domestic lounge access: 6/yr6 complimentary domestic airport lounge visits per year; no minimum-spend condition reported by HSBC or by CardExpert/CardInsider.
• ✓International lounge access: 4/yr4 complimentary international airport lounge visits per year via the LoungeKey/Mastercard lounge network; no minimum-spend condition reported.
• ✓Fuel surcharge waiver: 1%1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 at fuel stations across India; the surcharge is refunded as a statement credit in the following billing cycle.
• ✓Forex markup: 3.5%
• ✓4 complimentary golf rounds and 12 lessons per year via the Mastercard World Platform, plus 50% off additional green fees, per aggregator reporting (CardExpert, CardInsider); not itemized on HSBC's own TravelOne page.
• ✓Purchase protection cover of up to USD 20,000 (~₹16,66,600) per year via Mastercard/Tata AIG, per CardInsider; HSBC's own page does not publish the exact cover amount, so treat the figure as reported rather than officially confirmed.
• ✓15% discount on flight and hotel bookings via Yatra, EaseMyTrip, Paytm and Cleartrip
• ✓Up to 20% duty-free discount on airport retail via AdaniOne
• ✓Up to 11% discount on villa/holiday-home bookings via StayVista
• ✓Up to 10% dining and entertainment discount via the Zomato District app
• ✓Reward points convert at 1:1 to airline miles with roughly 15 airline partners (including Air India, Air Canada, Air France-KLM, British Airways, Etihad, EVA Air, Hainan Airlines, Japan Airlines, Singapore Airlines KrisFlyer, Qantas, Qatar Airways, Thai Airways, Turkish Airlines, United and Vietnam Airlines) and hotel partners including Marriott Bonvoy, IHG One Rewards and Accor Live Limitless, at ratios reported between 1:1 and up to 5:1 depending on partner
• ✓10,000 bonus reward points awarded on crossing ₹12,00,000 in annual card spend
• ✓Card issuance is currently limited to residents of roughly 20 listed Indian cities (including Mumbai, Delhi NCR, Bengaluru, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Chandigarh, Jaipur, Kochi, Coimbatore, Amritsar, Vadodara, Indore, Lucknow, Nagpur, Surat, Noida and Gurgaon), per HSBC and aggregator listings — this is not yet an open pan-India rollout
• ✓Self-employed applicants face a substantially higher minimum-income bar (₹12,00,000/year) than salaried applicants (₹6,00,000/year)
• ✓Utilities, insurance, jewellery, education, fuel, government payments, financial-institution transactions and e-wallet/money-transfer loads are excluded from reward-point earning, per CardInsider; the 'no cap' language on HSBC's own page for the base 2 points/₹100 rate should be read subject to these standard exclusions
• ✓CardInsider reports a monthly cap of roughly 50,000 points on the accelerated 4x (flights/travel aggregators/forex) category; HSBC's own page confirms 'no cap' only for the base 2x rate and does not explicitly state whether the 4x rate is capped, so this cap is reported but not independently confirmed on the official page — treat it as likely rather than certain
• ✓4 complimentary chauffeur-driven airport transfers per year (route coverage, i.e. domestic vs. international, not specified by the source) is reported by CardInsider only; it is not confirmed on HSBC's own page or by other aggregators, so treat this specific benefit as unconfirmed