HSBC Bank TravelOne Credit Card: HSBC recently introduced the TravelOne credit card, which is specially designed for those who travel frequently. The card offers users several perks, such as instant redemption of reward points with airline and hotel partners. Apart from this, these points can be converted into air miles and hotel stays through the HSBC mobile app. But the question arises, is this card better than other premium travel cards? Let’s understand this in detail.
In order to meet the needs of frequent travelers, HSBC has launched the TravelOne Credit Card. Among the many benefits of the card are instant reward redemptions across a number of airline and hotel partners, which allow users to use the HSBC mobile app to exchange points for air miles and hotel stays.
Key features of HSBC Bank TravelOne Credit Card
The HSBC Bank TravelOne Credit Card comes with attractive welcome offers for new users. If you spend ₹10,000 in the first 30 days after card activation, you will get a cashback of ₹1,000, postcard vouchers worth ₹3,000, and three months of EasyDiner Prime membership.
Apart from this, if you spend ₹ 1 lakh in the first 90 days, you will get 3,000 bonus reward points. On the card, you will get 4 reward points for spending ₹ 100 on flights, travel aggregators and foreign currency transactions. 2 reward points are given for ₹ 100 on all other expenses.
If you spend more than ₹ 12 lakh annually, you get 10,000 additional bonus reward points. Talking about travel benefits, this card offers 6 local and 4 international airport lounge visits annually. Along with this, you also get discounts on vacation bookings, car rentals and lifestyle experiences. Annual purchase protection of up to $20,000 is also available on this card.
Benefits of HSBC Bank TravelOne Credit Card
The HSBC Bank TravelOne Credit Card offers any benefits, including:
- Rewards: Spend money on flights, travel, and foreign currency to earn points.
- Benefits of travel: Get discounts on flights, hotels, car rentals, and more.
- Benefits for your lifestyle: Get discounts on dining, entertainment, and golf.
- Access to airport lounges: Obtain free entry to airport lounges.
- Insurance: Get insurance benefits.
- Purchase protection: Up to a specific amount, get purchase protection.
- Instant redemption: Instantly redeem points with hotel and airline partners.
- Flexible payment options: With HSBC Instalment Plans, you can spread the cost of your purchases.
Additional benefits New user offers, Bonus reward points, Discounts on major travel platforms, and Movie and dining offers.
HSBC TravelOne Comparison with Other Travel Credit Cards
Axis Atlas Credit Card
The Atlas Credit Card by Axis Bank offers 5 EDGE Miles for every ₹100 spent on travel. Additionally, you get 2 EDGE Miles on spending in other categories. The card offers 12 international and 18 domestic lounge visits, which is higher than the HSBC TravelOne card.
However, the forex markup charge of 3.5% on this card may be a bit of a problem for international travellers.
In summary:
- The annual fees of TravelOne and Axis Atlas are almost the same.
- However, Axis Atlas is slightly better in terms of travel-specific benefits.
Axis Horizon Credit Card
The Axis Horizon card offers 5 EDGE Miles on every ₹100 spent on the Travel EDGE portal. The card offers 2 EDGE Miles on other spends. The biggest feature of this card is its lounge access. The card offers 8 international and 32 domestic lounge visits, which is more than HSBC TravelOne.
Key Differences:
- Axis Horizon’s EDGE Miles can be converted into travel points in a 1:1 ratio.
- Compared to HSBC TravelOne, this card is slightly better in terms of lounge access and reward points.
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HDFC Diners Club Black Credit Card
HDFC Diners Club Black is a premium travel card. This card offers a reward rate of 3.33% on every spend. Also, it has unlimited lounge access and a low forex markup charge of 2%.
- However, this card is for high-spending users, as it has an annual fee of ₹10,000.
American Express Platinum Card
The American Express Platinum Card is known for its high-end benefits. The card offers you access to over 1,300 lounges and membership to premium hotel loyalty programmes.
- But its joining fee of ₹66,000 makes it very expensive, especially compared to HSBC TravelOne.
HSBC TravelOne Card compares with other travel credit cards
| credit Card | Rewards Rate | Lounge Access | Forex Markup Fee | Annual Fee |
| HSBC TravelOne | 4 points on travel & forex, 2 on others | 6 local, 4 international visits/year | Competitive | ₹5,000 + GST |
| Axis Atlas | 5 EDGE Miles on travel, 2 on others | 12 international, 18 domestic visits | 3.5% | ₹5,000 + GST |
| Axis Horizon | 5 EDGE Miles on travel, 2 on others | 8 international, 32 domestic visits | 3.5% | ₹2,500 + GST |
| HDFC Diners Club Black | 3.33% rewards on all purchases | Unlimited | 2% | ₹10,000 + GST |
| American Express Platinum | High-end travel perks | Access to 1,300+ lounges | 3.5% | ₹66,000 |
Which card to choose?
If you want a balanced card that offers not just travel rewards but also forex transactions and lounge access, then HSBC TravelOne could be the right choice for you. But if you travel frequently and are looking for more lounge visits and premium rewards, then Axis Atlas or HDFC Diners Club Black may be the best choice.
On the other hand, if you are ready for luxury and exclusive facilities, then American Express Platinum can completely change your travel experience. Ultimately, choosing the right card depends on your expenses and needs.
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Conclusion
The HSBC TravelOne Credit Card is a good choice for users looking for a mid-range travel card. The card offers a great combination of travel rewards, lounge access, and other benefits. However, if you need more lounge visits or prefer higher reward rates, then cards like Axis Atlas, Axis Horizon, or HDFC Diners Club Black may be better options.
On the other hand, if you are ready for premium benefits and luxury travel experiences, then you can choose the American Express Platinum Card.
Frequently Asked Questions (FAQs)
What is the main objective of HSBC Bank TravelOne Credit Card?
The main objective of the HSBC TravelOne Credit Card is to reward frequent travelers with points that can be redeemed for travel-related expenses.
Who is eligible for HSBC Travel One card?
If you are a Singaporean or a permanent resident, you must be at least 21 years old and earn at least SGD 30,000 per year in order to apply for an HSBC TravelOne card. SGD40,000, if you’re a Singaporean permanent resident or work for yourself or on commission. SGD40,000, in the event that you are a foreign national living in Singapore.
How do I redeem my reward points earned through HSBC TravelOne Credit Card?
Log in to the HSBC India app and choose your card to redeem your points. After clicking “View more,” choose “Redeem points.”. Then, after selecting “Redeem points now,” navigate to the rewards marketplace. Choose your favorite category and fill in the necessary information. After entering the desired number of points to be redeemed, proceed. Place your order after reading and agreeing to the terms and conditions.
For which airline partners can I use my HSBC reward points?
Air India, Air Canada, Air France–KLM, British Airways, Etihad Airways, EVA Air, Hainan Airlines, Japan Airlines, Singapore Airlines, Qantas Airlines, Qatar Airlines, Thai Airways, Turkish Airlines, United Airlines, and Vietnam Airlines are among the airlines that allow HSBC TravelOne credit card holders to exchange their reward points in a 1:1 ratio into airmiles. Additionally, they are able to convert Air Asia reward points into miles, with 1 point = 3 miles.
What are the hotel partners for HSBC TravelOne Credit Card reward points redemption?
Your accumulated reward points can be exchanged 1:1 for hotel loyalty points from Wyndham Hotels & Resorts, Marriott International, IHG® Hotels & Resorts, and Accor. Additionally, you can exchange them for hotel points at Shangri-La, where one hotel loyalty point is equal to five reward points.