HSBCVisaTravelOne Credit Card
4.3NeoFinQ editorial rating
4X travel rewards with 10 lounge visits and golf access
- 4X on travel/forex
- 10 lounge visits total
- Golf access
- Travel partner discounts
- Joining fee
- ₹4,999
- Annual fee
- ₹4,999
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹21,500/yr
Our verdict
Outstanding travel card with excellent lounge access and partner discounts.
Perfect for
- Frequent travelers
- International spenders
Not ideal for
- Cashback seekers
- Low spenders
Pros & cons
- 4X on travel/forex
- 10 lounge visits total
- Golf access
- Travel partner discounts
- Salaried only
- High fee with ₹8L waiver threshold
Rewards
Travel/Forex: 4 points/₹100, Other: 2 points/₹100 (no cap)
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
Welcome offer
20,000 Reward Points (equivalent to 20,000 miles/hotel points) upon payment of joining fee
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic lounge access (within India) and 6 complimentary international lounge visits per year via Priority Pass
More benefits
- Welcome Bonus: 20,000 Reward Points (equivalent to 20,000 miles/hotel points) upon payment of joining fee
- Milestone: 10,000 bonus points on ₹12L annual spend
- Additional Benefits: Golf: 4 rounds + 12 lessons/year, 15% off on Yatra/EaseMyTrip/Cleartrip, Complimentery Agoda VIP Platinum status
Fees & charges
| Joining fee | ₹4,999 |
| Annual fee | ₹4,999 |
| Renewal fee | ₹4,999 |
| Fee waiver | Waived on ₹8 lakh annual spend |
| Waiver threshold | Spend ₹8L/yr |
Eligibility
Min. income (annual)
₹4L
Employment
Salaried
Frequently asked questions
Does it offer international lounge access?
Yes, 4 international lounge visits per year.
How to waive the annual fee?
Spend ₹8 lakh annually.
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Annual fee ₹4,999