Credit Card Compare

HSBC TravelOne Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹4,999
Annual fee
45 days
Interest-free

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Application

CardIQ

24Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge26
  • Rewards15
  • Sign-up bonus11
  • Travel44

Customer reviews

No reviews yet. Be the first to review the HSBC TravelOne Credit Card.

Pros & cons

What's good

  • Complimentary airport lounge access (10 visits a year).
  • No fee to add an additional cardholder.

Worth noting

  • Annual fee of ₹4,999 for first year and second year onwards. Fully reversed (including applicable GST) if total eligible spend across primary and add-on cards during the relevant anniversary year exceeds ₹800,000. Add-on card annual fee is NIL. All fees are exclusive of GST. The ₹4,999 annual fee is still toward the top of the market (the median is ₹749).
  • Requires a minimum income of ₹6,00,000 a year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹6,00,000 p.a.
Residency
Indian resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹4,999 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
0.99%
Late payment fee
₹1,200
Over limit fee
₹500

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
Higher of ₹100 OR Sum of: 100% of all Interest, Fees and Taxes billed in the current statement; 100% of EMI amounts billed; Higher of (Past due; Over limit amount if any); 1% of the billed statement balance

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas fee0.99%Top 10% (10th of 91 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Annual fee₹4,999 a yearNot as good as most cards (75th of 91 cards)
Interest-free days45 daysNot as good as most cards (61st of 73 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the HSBC TravelOne Credit Card against every other card in its category.

Airport loungeRewardsSign-up bonusTravelView all →

Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HSBC