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Features of the HSBC TravelOne Credit Card

  • Overview of the Card’s Design and Purpose: The HSBC TravelOne Credit Card is a premium travel-focused credit card designed to cater to frequent travelers seeking flexibility, rewards, and exclusive privileges. Tailored for those who prioritize seamless travel experiences, the card combines accelerated reward points, instant redemption options, and eco-conscious design elements. It is crafted to appeal to globetrotters who value convenience, savings, and access to premium travel perks. The card is made from 100% recycled plastic, aligning with HSBC’s commitment to sustainability and reducing environmental impact. This eco-friendly approach makes it stand out in the competitive credit card market. The card operates on the Mastercard World platform, offering global acceptance and a suite of benefits tailored to international travel and spending.
  • Reward Points System: One of the standout features of the HSBC TravelOne Credit Card is its robust reward points system, which is designed to maximize earnings on travel-related expenditures.
    • 4 Reward Points per INR 100 spent on flights, travel aggregators, and foreign currency transactions, with a monthly cap of 50,000 accelerated reward points.
    • 2 Reward Points per INR 100 on all other eligible spending categories, with no cap.
    • 10,000 Bonus Reward Points annually for spending over INR 1,200,000 in a year.
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    • Instant Redemption Feature: The HSBC TravelOne Credit Card is the first HSBC card to offer instant redemption of reward points through the HSBC mobile app. This feature allows cardholders to convert points into air miles or hotel points with partners such as Singapore Airlines, Marriott Bonvoy, and Accor Live Limitless, often instantly or within a day for most partners. Some partners, like JAL Mileage Bank, may take up to 21 days, but the majority provide near-instantaneous transfers, offering unmatched convenience for travelers planning last-minute trips.
    • Airport Lounge Access: The card includes 6 complimentary lounge visits per year (shared between primary and supplementary cardholders) at selected Plaza Premium Lounges, including those at Kuala Lumpur International Airport (KLIA), Changi Airport, and Hong Kong International Airport. Additionally, primary cardholders receive 4 complimentary lounge visits annually to over 1,300 global lounges via the Mastercard Travel Pass program. Cardholders can also redeem lounge visits for free meals at selected airport restaurants, and bring guests at discounted rates (25% off for adults, 30% off for children aged 3–12).
    • Travel Insurance Coverage: The HSBC TravelOne Credit Card provides complimentary travel insurance of up to USD 250,000, covering the cardholder and their family when the full airfare is charged to the card. This insurance includes protection against trip cancellations, delays, lost luggage, and medical emergencies, including coverage for COVID-19-related incidents. This feature ensures peace of mind for frequent travelers, safeguarding them against unforeseen circumstances.
    • Flexible Instalment Plans: The card offers 0% interest instalment plans for big-ticket purchases at over 500 participating merchants, with tenures up to 36 months. Additionally, cardholders can convert retail purchases into affordable monthly instalments at a preferential rate as low as 1.88% for 6 months. This flexibility allows users to manage large expenses, such as travel bookings or luxury purchases, without straining their finances.
    • Eco-Friendly Design: As part of HSBC’s Go Green Initiative, the TravelOne Credit Card is made from 100% recycled plastic, reducing plastic waste and contributing to a lower carbon footprint. This feature appeals to environmentally conscious consumers who want to align their financial choices with sustainable practices.
    • Global Acceptance and Mastercard Benefits: Operating on the Mastercard World platform, the card is accepted at millions of merchants worldwide, making it ideal for international travel. Cardholders also gain access to Mastercard Travel Rewards, offering over 500 cashback offers in 26 destinations abroad and online, valid from May 1, 2025, to April 30, 2026. Additionally, Priceless™ Specials provide curated offers, including discounts on dining, shopping, and exclusive experiences, enhancing the card’s global appeal.
    • No Redemption Fees: Unlike many travel credit cards, the HSBC TravelOne Credit Card charges no redemption fees for converting reward points into airline miles or hotel points, a feature that remains valid until HSBC determines otherwise. This cost-saving feature maximizes the value of accumulated points, making redemptions more rewarding.
    • Charitable Contributions: HSBC contributes 1% of eligible charitable donations made with the card to selected charity organizations, up to a maximum of RM 500,000 per year. This feature allows cardholders to support meaningful causes while using their card for charitable giving.
    • Additional Lifestyle Benefits: Beyond travel, the card offers lifestyle perks, including 15% discounts on bookings through platforms like Yatra, EaseMyTrip, PayTM Travel, and ClearTrip, with caps of INR 3,000 for domestic and INR 5,000 for international bookings. Cardholders also enjoy up to 20% off at select duty-free stores in India and 50% off green fees at 42 golf clubs in Singapore, valid until January 15, 2025.
    • Mobile App Integration: The HSBC mobile app is integral to the card’s functionality, allowing users to manage their account, track reward points, redeem rewards, and make payments seamlessly. The app’s user-friendly interface ensures that cardholders can access all features, from instant redemptions to balance transfers, with ease.
    • Supplementary Card Benefits: Supplementary cardholders enjoy many of the same benefits as primary cardholders, including access to lounge visits and reward points earning. This feature makes the card ideal for families or couples who travel together, as supplementary cards can be issued to individuals aged 18 and above.
    • Purchase Protection: The card offers up to USD 20,000 in purchase protection annually, safeguarding eligible purchases against damage or theft. Additionally, ID Theft Protection™ and E-Commerce Purchase Protection of up to USD 1,000 are available for online shopping, adding an extra layer of security for cardholders.
    • Low Foreign Exchange Markup: The card features a 3.5% foreign exchange markup fee, which, while not the lowest in the market, is competitive for a travel-focused card. This fee applies to transactions in foreign currencies, making it a practical choice for international spending.
    • Milestone Benefits: The card’s milestone benefit of 10,000 bonus points for spending INR 1,200,000 annually enhances the base reward rate from 2% to approximately 2.8% (or 5% for Accor redemptions). This feature rewards high spenders and adds significant value for those who use the card extensively.
Premier Card Benefits

Benefits of the HSBC TravelOne Credit Card

  • Accelerated Rewards for Travel Spending:
    • The HSBC TravelOne Credit Card offers significant benefits for frequent travelers, with 4 reward points per INR 100 spent on flights, travel aggregators, and foreign currency transactions.
    • This accelerated reward rate, capped at 50,000 points monthly, translates to a value-back of up to 4% on travel expenses.
  • Instant Reward Redemption:
    • The ability to redeem reward points instantly through the HSBC mobile app is a game-changer for travelers.
    • Whether converting points to air miles with Singapore Airlines or hotel points with Marriott Bonvoy, the process is seamless and often instantaneous.
    • This benefit allows cardholders to book flights or hotel stays on the go, without the delays associated with traditional redemption processes.
    • Complimentary Lounge Access: Travelers enjoy 6 complimentary lounge visits annually at selected Plaza Premium Lounges, shared between primary and supplementary cardholders.
    • Comprehensive Travel Insurance: The complimentary travel insurance of up to USD 250,000 is a significant benefit, covering trip cancellations, delays, lost luggage, and medical emergencies, including COVID-19-related issues.
    • Flexible Payment Options: The card’s 0% interest instalment plans for up to 36 months at participating merchants allow cardholders to spread the cost of large purchases, such as international flights or luxury hotel stays.
    • Welcome and Milestone Bonuses: New cardholders can unlock substantial welcome benefits by downloading the HSBC India Mobile Banking app and spending INR 10,000 within 30 days of card issuance.
    • Discounts on Travel Platforms: Cardholders enjoy 15% discounts on bookings through Yatra, EaseMyTrip, PayTM Travel, and ClearTrip, with caps of INR 3,000 for domestic and INR 5,000 for international bookings.
    • Eco-Conscious Spending: The card’s construction from 100% recycled plastic aligns with HSBC’s sustainability goals, allowing cardholders to contribute to environmental conservation.
    • Mastercard Travel Rewards and Priceless™ Specials: The Mastercard Travel Rewards program offers over 500 cashback offers in 26 destinations, valid from May 1, 2025, to April 30, 2026.
    • Golf and Leisure Perks: Travelers with a passion for golf benefit from 50% off green fees at 42 golf clubs and lessons at a participating golf academy in Singapore, valid until January 15, 2025.
    • No Redemption Fees: The absence of redemption fees for converting points into air miles or hotel points maximizes the value of rewards. This benefit ensures that cardholders retain the full value of their points.
    • Extensive Partner Network: The card’s partnerships with 15 airlines and 5 hotel loyalty programs provide unparalleled flexibility. Whether redeeming points for a Singapore Airlines flight or a Marriott Bonvoy hotel stay.
    • Purchase and E-Commerce Protection: The USD 20,000 annual purchase protection safeguards eligible purchases against damage or theft.
    • Supplementary Card Benefits: Supplementary cardholders share many of the primary cardholder’s benefits, including lounge access and reward points earning.
    • Global Acceptance: The Mastercard World platform ensures the card is accepted at millions of merchants worldwide, making it a reliable choice for international travel and shopping.
    • Mobile App Convenience: The HSBC mobile app enhances the card’s usability, allowing cardholders to track spending, redeem points, manage instalments, and make payments.
    • Competitive Annual Fee Structure: The card’s INR 4,999 joining and annual feeis waived if cardholders spend over INR 800,000 annually. This structure rewards active users and makes the card cost-effective for frequent travelers.
    • Enhanced Security Features: The card includes zero liability for lost cards, ensuring cardholders are not responsible for unauthorized transactions reported within 24 hours.
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How to Apply for the HSBC TravelOne Credit Card

  • Online Application Process:
    • Visit the official HSBC website or open the HSBC mobile app.
    • Navigate to the TravelOne Credit Card page and click “Apply Now.”
    • Fill in personal, contact, and residential details as per your ID/passport.
    • Enter financial information including income and employment status.
    • Click "Generate OTP" and verify via mobile number to continue.
    • Complete Video KYC (India) or use MyInfo via Singpass (Singapore) to auto-fill data.
    • Upload necessary documents: ID proof, address proof, income proof, etc.
    • Review and submit your application. Note your Application ID for tracking.
  • Offline Application Process:
    • Visit your nearest HSBC branch in cities like Mumbai, Delhi NCR, or Bengaluru.
    • Request and fill out the physical application form with accurate details.
    • Submit valid copies of required documents for verification.
    • The bank may conduct additional verification before processing.
    • Receive confirmation and track application status via SMS or customer support.
  • Application Through Partner Platforms:
    • Access partner websites like paisabazaar.com or select.finology.in.
    • Enter your mobile number and verify via OTP to view eligible offers.
    • Compare available cards, select TravelOne, and proceed with the application.
    • Upload documents and complete Video KYC as prompted.
    • Track your application using the provided Application ID.
  • Submit and Track Your Application:
    • After submission, you'll receive a confirmation with a tracking number via SMS/email.
    • Use the HSBC website, app, or customer care to check status updates.
    • Applications are generally processed within two weeks.
    • Approved cards are typically delivered within 7 business days.
  • Post-Approval Steps:
    • Activate the card through the HSBC app or by calling customer care.
    • Sign the card immediately upon receipt for security.
    • Add the card to digital wallets like Google Pay or Apple Pay for convenience.
    • Register for the Mastercard Travel Pass program if applicable (TravelOne card benefit).
  • Tips for a Successful Application:
    • Ensure all provided information is accurate and consistent.
    • Use digital tools like MyInfo (Singapore) or VKYC (India) for faster processing.
    • Maintain a good credit score and low debt-to-income ratio before applying.
    • Keep required documents ready in digital format to avoid delays.
  • Common Application Challenges:
    • Incomplete Documentation: Ensure all uploads are clear, valid, and current.

Eligibility Criteria for the HSBC TravelOne Credit Card

  • Age Requirements: Applicants must be at least 21 years old to apply as primary cardholders. Supplementary cardholders must be 18 or older. In India and several other countries, the maximum age is typically 65 years.
  • Income Requirements: Income thresholds vary by country and employment type:
    • Singapore: SGD 30,000 for salaried residents, SGD 40,000 for self-employed and foreigners. A minimum fixed deposit of SGD 10,000 may be required if income isn’t met.
    • India: ₹400,000 per annum for salaried individuals. Self-employed applicants must maintain an HSBC account and provide ITRs or proof of income.
    • Malaysia: RM 60,000 annual income (approx. RM 5,000/month).
  • Residency and Location Requirements: Applicants must reside in eligible cities where HSBC offers the TravelOne card. In India, these include Mumbai, Delhi NCR, Bangalore, Chennai, Hyderabad, Pune, Noida, Gurgaon, Jaipur, Chandigarh, Ahmedabad, Coimbatore, Kolkata, and Kochi.
  • Employment Status:
    • Salaried: Minimum one year with current employer preferred. Strong employer reputation boosts approval chances.
    • Self-Employed: Must provide IT returns, P&L statements, or bank statements showing consistent income. Higher documentation scrutiny applies.
  • Credit Score and Financial History: A credit score of 700+ is recommended. HSBC reviews utilization ratios, payment history, credit inquiries, and red flags like “settled” or “charge-off” marks.
  • Debt-to-Income Ratio (DTI): A DTI below 40% is preferred. Applicants with high loan or card dues are encouraged to lower their debt to improve approval chances.
  • Credit Utilization: Keep credit utilization below 30% on existing cards. High outstanding balances hurt your credit profile and reduce eligibility.
  • Nationality and Legal Residency: Applicants must be legal residents in the country of application. Foreigners in Singapore must show valid work/residency permits. In Vietnam, biometric registration and valid ID are required.
  • Number of Active Credit Cards: Holding too many cards with high balances may lead to rejection. Reducing the number of active cards or consolidating debt improves the applicant profile.
  • Total Relationship Balance (TRB): While not mandatory, applicants with a high TRB (e.g., ₹40 lakh in India) through HSBC Premier may enjoy higher approval odds for premium cards like TravelOne.
  • Adverse Credit History: HSBC may reject applications with recent bankruptcies, defaults, or multiple credit inquiries in a short time frame.
  • Underwriting and Documentation: HSBC applies rigorous underwriting for self-employed individuals. Proof of business stability, income, and banking history are key approval metrics.
  • Tips to Improve Eligibility:
    • Maintain a credit score above 700 with a clean repayment history.
    • Reduce credit utilization and overall debt before applying.
    • Have stable employment or consistent business income for 12+ months.
    • Apply only in eligible cities and avoid multiple simultaneous credit applications.
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Documents Required for the HSBC TravelOne Credit Card

  • Overview of Documentation:
    • HSBC requires valid identity, address, income, and employment proofs based on applicant category and region.
    • Digital submission via PDF is preferred; documents must be clear and valid.
  • Key Documents for Application:
    • Proof of Identity:
      • India: PAN Card, Aadhaar Card, Passport, Voter ID, Driving License
      • Singapore: MyKad (both sides for citizens/PRs), Valid Passport/Work or Residency Permit (foreigners)
      • Malaysia: MyKad (both sides for citizens), Valid Passport (non-residents)
    • Proof of Address:
      • Utility Bills (Electricity, Water, Gas – within last 3 months)
      • Bank Statement with Address, Rental Agreement, Aadhaar Card (India), Government-issued Address Document.
    • Proof of Income:
      • For Salaried Applicants:
        • Last 3 Months’ Salary Slips, Salary Certificate from Employer, Bank Statement showing Salary Credits (non-password protected), Latest Form 16 or Income Tax Return (India)
      • For Self-Employed Applicants:
        • Latest 2 Years' ITRs, Profit & Loss Statement,
        • Bank Statement showing 6 Months’ Business Transactions.
        • Business Registration Proof (e.g., GST Certificate, Incorporation Docs).
    • Employment Proof:
      • Salaried: Employer Letter stating Designation and Tenure.
      • Self-Employed: Business Ownership Proof (e.g., Trade License, Partnership Deed).
    • Supplementary Cardholder Documents:
      • Identity Proof (e.g., PAN Card, Passport).
      • Address Proof (if different from primary cardholder).
      • Relationship Proof (e.g., Marriage or Birth Certificate).
  • Additional Requirements (If Applicable):
    • Singapore Applicants:
      • Proof of Fixed Deposit with HSBC (min. SGD 10,000 if applying with collateral).
      • Use MyInfo (Singpass) to auto-fill and reduce documentation.
    • Vietnam Applicants:
      • Updated Vietnam ID, Biometric Information Submission.
  • Submission Guidelines:
    • Submit documents in PDF format (digitally scanned and legible).
    • Ensure clarity and resolution of all scans.
    • Label files clearly (e.g., “PAN_Card.pdf”, “Utility_Bill.pdf”).
  • Tips for Smooth Processing:
    • Verify document validity and current address consistency.
    • Double-check for complete set of documents before submission.
    • Ensure documents meet HSBC format and date requirements.
  • Common Document-Related Issues:
    • Incomplete or Missing Documents, Outdated or Expired Documents.
    • Invalid Formats (e.g., unsupported file types).

Factors for the HSBC TravelOne Credit Card

  • Credit Score: A minimum score of 700 is essential. HSBC reviews your credit history for signs of financial responsibility. Poor scores, high utilization, or derogatory marks (like “settled” or “charge-off”) may lead to rejection.
  • Debt-to-Income Ratio (DTI): A DTI above 40% suggests financial stress. Lowering your debt before applying improves eligibility by indicating better repayment capacity.
  • Employment Stability: Salaried individuals should have at least one year with their current employer. Self-employed applicants must demonstrate consistent income over 12 months to satisfy HSBC’s underwriting criteria.
  • Outstanding Credit Card Balances: High balances raise your credit utilization ratio, a key factor in eligibility. Keep utilization below 30% and pay off overdue balances before applying.
  • Number of Credit Cards: Holding multiple credit cards with high outstanding dues can signal overleveraging. Reduce active cards or consolidate balances to improve your creditworthiness.
  • Residency and Location: Applicants must reside in eligible Indian cities (e.g., Mumbai, Delhi NCR). Ineligible locations or mismatched address proof will lead to application rejection.
  • Income Level: A minimum income of ₹400,000 per annum (in India) is typically required. In other regions, the minimum varies (e.g., SGD 30,000–40,000 in Singapore, RM 60,000 in Malaysia). Lack of sufficient or verifiable income may result in denial.
  • Credit History: A clean credit report with no defaults, settlements, or bankruptcies significantly enhances eligibility. HSBC may reject applicants with recent missed payments or multiple credit inquiries.
  • Age Compliance: Primary cardholders must be 21–65 years old. Supplementary cardholders can be as young as 18. Applications outside this range are automatically rejected.
  • Underwriting Policies: HSBC applies strict scrutiny, especially for self-employed applicants. Business stability, ITRs, and financial documentation are required to prove repayment capability.
  • Tips to Improve Eligibility:
    • Improve your credit score by paying bills on time and reducing outstanding debt.
    • Lower your DTI by clearing personal loans or card dues.
    • Ensure at least 12 months of consistent income or employment history.
    • Avoid applying for multiple credit products within a short span.
  • Banking Relationship with HSBC: Existing HSBC customers, especially Premier account holders, may enjoy a higher approval rate due to established trust and prior transaction history.
  • Type of Occupation: Applicants working in stable sectors (e.g., IT, healthcare, government) are preferred. High-risk or seasonal professions may be scrutinized more strictly during underwriting.
  • Documentation Accuracy: Inaccurate or mismatched documents (e.g., address mismatch between Aadhaar and utility bill) can cause application delays or rejection. Consistency across documents is crucial.
  • Foreign National or NRI Status: HSBC may require additional documentation such as work permits, overseas income proof, or international credit reports for non-resident applicants.
  • Supplementary Card Impact: If you’ve recently applied for or hold multiple supplementary cards (as primary or secondary holder), this may affect your risk profile and reduce chances of approval.

Frequently Asked Questions (FAQs) – HSBC TravelOne Credit Card

1. What is the HSBC TravelOne Credit Card?
The HSBC TravelOne Credit Card is a travel-focused credit card that offers a range of benefits such as airline and hotel rewards, travel insurance, and airport lounge access. It is designed for frequent travelers looking to earn rewards points on everyday and travel-related purchases.
2. What are the key benefits of the HSBC TravelOne Credit Card?
  • Accelerated reward points on travel and overseas spending
  • Complimentary access to selected airport lounges
  • Travel insurance coverage
  • Flexible redemption options for flights, hotels, and travel services
  • No expiry on reward points
3. How can I earn reward points with the HSBC TravelOne Credit Card?
You earn reward points every time you use your card for purchases. Higher points are earned on travel, dining, and overseas spending, while local purchases also accumulate points at a standard rate. Earning rates may vary based on HSBC’s ongoing offers.
4. Are there any welcome bonuses for new cardholders?
Yes, HSBC often offers welcome bonuses such as bonus reward points, cashback, or waived annual fees for the first year when you meet specific spending criteria within the initial months of card activation.
5. What is the annual fee for the HSBC TravelOne Credit Card?
The annual fee may vary depending on your location or the specific card variant (e.g., Visa Signature, Platinum). It may be waived for the first year or offset with sufficient annual spending.
6. How can I redeem my HSBC reward points?
Points can be redeemed via the HSBC Rewards portal for options such as air miles, hotel stays, gift vouchers, and merchandise. You can also convert them to partner airline frequent flyer programs.
7. Which airline and hotel partners are available for points redemption?
HSBC TravelOne partners with major airline and hotel programs, including KrisFlyer (Singapore Airlines), Asia Miles, British Airways Executive Club, and Marriott Bonvoy. Please refer to the HSBC website for the latest partner list.
8. Is there travel insurance coverage included with the card?
Yes, complimentary travel insurance is typically included when travel bookings are made using the card. Coverage includes trip cancellations, delays, lost luggage, medical emergencies, and more.
9. How many airport lounge visits are included?
Complimentary lounge visits are offered based on the card tier via LoungeKey or other networks. The number of free visits may vary, and additional visits might incur charges.
10. Does the HSBC TravelOne Credit Card have any foreign transaction fees?
Most TravelOne variants charge a foreign transaction fee of approximately 2.5%–3.5% per transaction. Some premium variants may offer reduced or waived fees during promotional periods.
11. Can I use the HSBC TravelOne Credit Card overseas?
Yes, the card is widely accepted internationally and is ideal for overseas travel due to its reward structure that favors foreign currency spending.
12. How do I apply for the HSBC TravelOne Credit Card?
You can apply online via the HSBC website, through the HSBC mobile app, or by visiting a local HSBC branch. You’ll need to meet eligibility criteria such as minimum income, age, and credit history.
13. Is there a minimum income requirement to apply?
Yes, HSBC generally requires a minimum income threshold to qualify for the TravelOne card. This amount varies by country and card tier. Refer to your local HSBC website for specific requirements.
14. Can I add supplementary cardholders to my account?
Yes, supplementary cards can be issued for eligible family members. They enjoy many of the same benefits and their spending contributes to your reward point accumulation.
15. How can I manage my HSBC TravelOne Credit Card account?
You can manage your account using HSBC’s internet banking portal or mobile app. These platforms allow you to view transactions, redeem points, pay bills, and track spending securely.