HSBC TravelOne Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HSBC
Network: Visa | Tier: Premium
The HSBC TravelOne Credit Card is a Premium Visa credit card issued by HSBC, best suited for travelers. It carries a joining fee of ₹3,000, with an interest rate of 3.49% per month. Key benefits include Travel rewards, Reward points, and Lounge. New cardholders get a welcome benefit of Welcome. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹8,00,000/year to qualify. It falls under the Premium, Travel, and Fuel category on CreditCardHunt.
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Why Choose the HSBC TravelOne Credit Card?
The HSBC TravelOne Credit Card is a Premium-tier Visa credit card issued by HSBC, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Travelers. With a reward rate of Reward points and an annual fee of ₹3,000, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome, which adds immediate value in the first year.
HSBC TravelOne Credit Card Fees & Charges
| Annual Fee | ₹3,000 |
|---|---|
| Joining Fee | ₹3,000 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
HSBC TravelOne Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | Welcome |
| Lounge Access | Lounge |
| Best For | Travelers |
Key Highlights of the HSBC TravelOne Credit Card
- Travel rewards
- Reward points
- Lounge
HSBC TravelOne Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹8,00,000/year
Minimum Income Required: ₹8,00,000/year
Advantages of the HSBC TravelOne Credit Card
- Travel perks — a built-in advantage for cardholders.
Drawbacks of the HSBC TravelOne Credit Card
- Before applying, factor in moderate rewards.
HSBC TravelOne Credit Card — Frequently Asked Questions
What is the annual fee of the HSBC TravelOne Credit Card?
The HSBC TravelOne Credit Card has an annual fee of ₹3,000 and a joining fee of ₹3,000. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.
Does the HSBC TravelOne Credit Card offer airport lounge access?
Yes — the HSBC TravelOne Credit Card offers Lounge.
Who is eligible for the HSBC TravelOne Credit Card?
The minimum income requirement is ₹8,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the HSBC TravelOne Credit Card?
The HSBC TravelOne Credit Card earns Reward points. It is best suited for Travelers.
Credit Cards Similar to the HSBC TravelOne Credit Card
If you are considering the HSBC TravelOne Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5