Does the HSBC TravelOne Credit Card charge a foreign exchange markup?

Yes. The HSBC TravelOne Credit Card publishes a 3.5% forex markup on international transactions.

How much forex markup does HSBC TravelOne add on ₹1,00,000 spent abroad?

At the published 3.5% markup, ₹1,00,000 of eligible international spend implies about ₹3,500 in forex markup, before applicable taxes and separate exchange-rate effects.

Learn · HSBC TravelOne · Forex

Does the HSBC TravelOne Credit Card Charge a Forex Markup?

Yes. Published forex markup: 3.5% Example: ₹1,00,000 international spend ≈ ₹3,500 forex markup

What does 3.5% mean on ₹1,00,000?

Worked example

International spend ₹1,00,000 abroad

Published forex markup 3.5%

Illustrative markup ≈ ₹3,500

Why isn’t this exact?

This isolates the published markup so the fee is easy to understand. Your final statement amount can also reflect the network exchange rate, applicable taxes, refunds, reversals, and the issuer’s transaction rules. It is therefore an illustration, not a quote for a particular purchase.

When might the card still make sense?

Should this stop you?

Forex markup is only one part of the card. Airline and travel-aggregator earning, the annual fee, lounge access, and your likely usage can still matter. Someone choosing primarily for those benefits may accept a higher international-spend cost. Open the HSBC TravelOne Credit Card reference page to evaluate the complete verified fact set rather than this fee in isolation.

When should you consider a lower-forex alternative?

International spend

If low-cost foreign spending is your main requirement, 3.5% is the same published markup as many non-travel cards. Compare it with cards whose verified markup is lower, then weigh their annual fees and other trade-offs on the same basis.