HSBC
TravelOne Visa Credit Card
Good fit when rewards, fees, and forex fit your spend pattern — ₹4,999 annual fee.
Top reasons to choose this card
- 6 complimentary lounge visits
- ₹8L fee waiver
What you'd do with it
- Competitive for day-to-day rewards with an estimated base return around 200%.
- Useful for travelers who need around 6 domestic lounge visits a year.
- Limited lounge access 6 per year domestic lounge
Annual fee ₹4,999 per year
Forex markup 3.5% high
Lounge access 6 visits / year
Rewards / ₹100 4 pts up to · ₹100 on Travel Airlines Foreign
The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Fee waiver available
- Annual fee known
- Forex markup known
- 6 per year domestic lounge
- Verify current lounge list
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹4,999 higher than 86 of 112 cards
- Joining fee
- ₹4,999
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- 6 per year domestic lounge · 4 per year international
- Reward rate
- Up to 4 pts / ₹100 on Travel Airlines Foreign
Fit data not yet captured for this card.
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹8,00,000 annual spend.
- Use this when travel airlines foreign spends are your main use case and the reward cap still leaves enough value.
- 6 per year domestic lounge
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- 6 per year domestic lounge
- Verify current lounge list
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: 6 per year domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 2 points per ₹100. 2x Travel Airlines Foreign applies up to ₹12,50,000 per month, then 2 points per ₹100 applies. Still verify excluded categories and redemption rules.
Next best move
Compare with AU Small Finance Bank Zenith+ Similar lounge profile Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee.
Is this good for lounge access?
6 per year domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹8,00,000yearAnnual fee waiverextremestrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Fee waiver requires ₹8,00,000 annual spend.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn2 points per ₹100
Best verified laneTravel Airlines Foreign (international)4 pts / ₹100
Limits/caps2x Travel Airlines Foreign applies up to ₹12,50,000 per month, then 2 points per ₹100 applies.
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Travel Airlines Foreign (international)4 pts / ₹100——
General spend2 pts / ₹100——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (2 pts / ₹100). ~1,000 pts/month. Partner/category bonuses not included.
- Fee waiver unlikely at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 6 per year · verified 6 Jul 2026
4 sources agree · verify issuer terms before applying
Where to verify
- Finology Select
- Issuer site (verify current terms) (opens in new tab)
- Operator-verified anchor
- CardInsider
- International (cardholder)
- 4 per year — via LoungeKey · verified 6 Jul 2026
4 sources agree · verify issuer terms before applying
Where to verify
- Finology Select
- Issuer site (verify current terms) (opens in new tab)
- Operator-verified anchor
- CardInsider
- Guest access
- Guests: paid access
Rewards
- Base earn
- 2 pts / ₹100 value depends on redemption
Insurance Cover
- Lost card liability cover
- ₹3 lakh
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999
- Fee waiver spend
- ₹8,00,000 Above catalog median waiver (₹2,00,000 vs ₹8,00,000).
International Use
- Forex markup
- 3.5%
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- SaveSage
- CardExpert
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Premium
Fuel Benefits
At the pumpNo verified fuel benefit available.
Annual fee break-even math
When does this card pay for itself ₹8L yearly spend to waive the annual fee
Annual fee waiver applies at around ₹8L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Category cap: ₹50,000 per month · Travel Airlines Foreign
- Annual fee: ₹4,999.
- Forex markup currently listed at 3.5%.
- 6 per year domestic lounge · 4 per year international.
Related guide → How LoungeKey (card-swipe) access works