PointsVista · India · Updated 2026-10-03

HSBC TravelOne

HSBC · Bank points

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Transfers to 20 partners, mostly 1:1, with instant conversions. Strong on hotels and flights booked through HSBC's own travel portal.

Welcome offer: About ₹4,000 welcome value (₹1,000 cashback + ₹3,000 travel voucher) after ₹25,000 spend in 30 days
Annual fee: ₹5,899 a year incl. GST (waived at ₹8 lakh spend)
Rewards rate: 2–4 points per ₹100; up to 24 via HSBC Travel
Regular APR: Interest is charged monthly; see the bank's fees page
Recommended CIBIL score: CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup: 3.5%
Airport lounges: Domestic and international lounges. 6 domestic + 4 international a year.
Points go to: HSBC TravelOne Points. Transfers to 15 airlines and 5 hotel programs (Accor, Marriott Bonvoy, IHG, Wyndham, Shangri-La), mostly 1:1 and instant. Named airline partners shown.

Airline transfer partners

Air India Maharaja Club 1:1
Singapore KrisFlyer 1:1
Qatar Airways Privilege Club 1:1
British Airways Club 1:1
Etihad Guest 1:1
Air France-KLM Flying Blue 1:1

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