Cards · HSBC India

HSBC TravelOne Credit Card: rewards, caps and exclusions

The HSBC TravelOne Credit Card pays about 9.6% on Hotels via hsbc travel portal, on the first ₹75,000 of spend a month, and 0.8% on everything else. Below is every rate, cap and exclusion in HSBC India's published terms, as we last checked them on 18 July 2026.

Mastercard₹4,999 a yearPaid in miles

What it earns

≈9.6%Hotels via hsbc travel portalon the first ₹75,000 of spend a month

≈6.4%Flights via hsbc travel portalon the first ₹1,12,000 of spend a month

≈3.2%Car rentals via hsbc travel portalon the first ₹2,25,000 of spend a month

≈1.6%Transporton the first ₹12,50,000 of spend a month

≈0.8%Everything elseno cap stated

≈ marks a rate paid in miles, converted at ₹0.4 a point: the lowest redemption value HSBC India documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Government payments
Education fees
Wallet loads
Fuel
Insurance premiums
Jewellery
Money transfers
Utility bills
Telecom bills
Cash withdrawals and fees
Rent

Milestones

In HSBC India's own words:

annual_spend >= 1200000 → 10,000 points

Fees

Annual fee: ₹4,999, plus 18% GST
Joining fee: ₹4,999
Annual fee waived on ₹8,00,000 of spend in a card year
Foreign-currency markup: 3.5%

Welcome benefit: ₹1,000 cashback + ₹3,000 PostCard voucher + EazyDiner Prime 3-mo on spending ₹25,000 within 30 days.

Eligibility: ₹6,00,000 a year in income, aged 18–65.

Where this comes from

Transcribed from HSBC India's own documents and checked against them on 18 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HSBC India's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your HSBC India statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other HSBC India cards

HSBC Live+ Credit Card

10% on Food, Groceries, Shopping, Bills

HSBC RuPay Cashback Credit Card

10% on Food, Groceries

HSBC RuPay Platinum Credit Card

≈0.53% on everything else

HSBC Taj Credit Card

≈3.33% on Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails bungalows

HSBC Visa Platinum Credit Card

≈0.53% on everything else

Every card we have rules for