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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
HSBC

HSBC TravelOne Credit Card

Best forTravel & Rent
Earns4 RP/₹100 on travel
1st Year / Joining Fee
₹4,999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel and rent, where it earns 4 RP/₹100
  • Annual fee is waived at ₹8,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Travel4 RP/₹100
Rent2 RP/₹100
Education2 RP/₹100
Insurance2 RP/₹100
Utilities2 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
Rent2 RP/₹100—2 RP / ₹100 on other eligible spend (Rent)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Rent). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Education2 RP/₹100—2 RP / ₹100 on other eligible spend (Education)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Education). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Insurance2 RP/₹100—2 RP / ₹100 on other eligible spend (Insurance)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Insurance). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Utilities2 RP/₹100—2 RP / ₹100 on other eligible spend (Utilities)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Utilities). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel spend excluded from reward points. Fuel surcharge waiver applies.
Groceries2 RP/₹100—2 RP / ₹100 on other eligible spend (Groceries)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Groceries). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Dining2 RP/₹100—2 RP / ₹100 on other eligible spend (Dining)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Dining). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Food Delivery2 RP/₹100—2 RP / ₹100 on other eligible spend (Food Delivery)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Food Delivery). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Shopping2 RP/₹100—2 RP / ₹100 on other eligible spend (Shopping)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Shopping). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Travel4 RP/₹100—4 RP / ₹100 on flights, travel aggregators, and foreign currency spend
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
4 RP / ₹100 on flights, travel aggregators, and foreign currency spend. IEMI excluded.
Government2 RP/₹100—2 RP / ₹100 on other eligible spend (Government)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Government). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Wallet2 RP/₹100—2 RP / ₹100 on other eligible spend (Wallet)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Wallet). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Railways2 RP/₹100—2 RP / ₹100 on other eligible spend (Railways)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Railways). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
FASTag2 RP/₹100—2 RP / ₹100 on other eligible spend (FASTag)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (FASTag). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Jewellery2 RP/₹100—2 RP / ₹100 on other eligible spend (Jewellery)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Jewellery). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.
Telecom2 RP/₹100—2 RP / ₹100 on other eligible spend (Telecom)
Details
Status
Verified
Source
SRC-HSBC-TRAVELONE-REWARDS
Issuer note
2 RP / ₹100 on other eligible spend (Telecom). IEMI excluded. 10,000 bonus RP above ₹12 lakh/year.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹4,999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
4 RP/₹100 on travel
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap
Foreign-currency markup
4 RP/₹100 travel/FX, 2 RP/₹100 other, 10k bonus at ₹12L, IEMI excluded
Milestone benefit
10,000 bonus RP upon achieving ₹12,00,000 annual spend
Fee waiver
Annual fee waived on ₹8,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, rent, education
  • You can reach the ₹8,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 1 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Fuel — No reward.
Milestones · 1 recorded
  • Milestone — 10,000 bonus RP upon achieving ₹12,00,000 annual spend.
Eligibility

Subject to HSBC's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 up to monthly cap. GST is not waived.
  • Foreign-currency markup: 4 RP/₹100 travel/FX, 2 RP/₹100 other, 10k bonus at ₹12L, IEMI excluded
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
HSBC TravelOne rewards terms; 4 RP/₹100 travel/FX, 2 RP/₹100 other, 10k bonus at ₹12L, IEMI excluded · SRC-HSBC-TRAVELONE-REWARDS
HSBC tariff schedules and international transaction fee schedules · SRC-HSBC-FEE-SCHEDULE
HSBC TravelOne Credit Card₹4,999 1st year