cards / credit / hsbc india / hsbc-travel-one-credit-card
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§ BENEFITS
5X Reward Points on Travel
Earn 5X reward points on all travel bookings including flights, hotels, and travel agencies
5X RP
3X Reward Points on International Spends
Earn 3X reward points on all international transactions
3X RP
2X Reward Points on Other Spends
Earn 2 reward points per ₹100 on all other purchases
2 RP per ₹100
Airport Lounge Access
8 domestic and 4 international airport lounge visits per year
12 visits/year
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹9,00,000
- Min monthly salary
- ₹75,000
- Age
- 21 – 60
- Min credit score
- 720
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹4,999
- Annual fee
- ₹4,999
- APR (monthly)
- 3.15% p.m.
- APR (annual)
- 37.80% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- ₹20
- Other bank free / month
- 5
- Other bank charge
- ₹20
- International withdrawal
- ₹125
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- —
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹1,00,00,000
- Permanent disability
- ₹1,00,00,000
- Air accident
- ₹1,00,00,000
- Travel insurance
- ₹15,00,000
- Baggage
- ₹75,000
- Lost-card liability
- ₹5,00,000
- Purchase protection
- ₹2,00,000
† within 48 h of loss
† 90 days
§ REWARDS
- Programme
- HSBC Reward Points
- Earn rate
- 5X travel, 3X international, 2 RP per ₹100 other
- Point value
- ₹0.25
- Effective cashback
- 0.50%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- 8 per year
- International
- 4 per year via Priority Pass
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with HSBC India and earns no commission on applications.