HSBC
HSBC TravelOne
Premium card · 6/year domestic lounge · fee waiver achievable around ₹4L annual spend · 0% forex markup.
Strong for low forex (0%) and lounge access (6/year) · Weak for low base rewards (~0.7%)
0% forex markup
Good for
- International spenders
- Airport lounge users
Not ideal for
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹350/month (base rewards)
- Fee waiver achievable at this spend
Approximate, based on base rates and current snapshot.
Annual fee
₹4,999
Lounge
6/year (domestic)
Forex
0%
Limited support — verify with issuer
Reward rate
2 pts/₹100
Below median base earn (0.7% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 6/year
- International visits
- 6/year
International Use
- Forex markup
- 0%
- Product tier
- Premium
Fees
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999
- Fee waiver spend
- ₹4,00,000 Above catalog median waiver (₹3,00,000 vs ₹4,00,000).
Rewards
- Points per ₹100
- 2 pts
- Point value
- ₹0.35
- Effective earn
- 0.7% (at stated point value)
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