SimplifyCards take:A good fit if you want a card built for travel, airlines, and hotels
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Best for Hotels Via HSBCBest for
Up to 24 Reward Points / ₹100
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for travel, airlines, and hotelsBottom line
It combines complimentary airport lounge access, accelerated rewards on hotels via hsbc, and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Hotels Via HSBC | Up to 24 Reward Points / ₹100 | 18,000 Reward Points |
| Flights Via HSBC | Up to 16 Reward Points / ₹100 | 18,000 Reward Points |
| Car Rentals Via HSBC | Up to 8 Reward Points / ₹100 | 18,000 Reward Points |
| Travel | 4 Reward Points / ₹100 | 50,000 Reward Points |
| Others | 2 Reward Points / ₹100 | - |
Redemption
Airmile transferupto 3 airmile per point
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air India | Air India Maharaja Club | 1:1 | 5 days |
| AirAsia | airasia rewards | 1:3 | 1 day |
| Air France-KLM | Flying Blue | 1:1 | 1 day |
| British Airways | The British Airways Club | 1:1 | 1 day |
| Etihad Airways | Etihad Guest | 1:1 | 1 day |
| EVA Air | Infinity MileageLands | 1:1 | 1 day |
| Hainan Airlines | Fortune Wings Club | 2:1 | 5 days |
| Japan Airlines | JAL Mileage Bank | 1:1 | 10 days |
| Singapore Airlines | KrisFlyer | 1:1 | 1 day |
| Qantas Airways | Qantas Frequent Flyer | 1:1 | 1 day |
| Qatar Airways | Privilege Club | 1:1 | 1 day |
| Thai Airways | Royal Orchid Plus | 1:1 | 1 day |
| Turkish Airlines | Miles&Smiles | 2:1 | 1 day |
| United Airlines | MileagePlus | 2:1 | 1 day |
| Vietnam Airlines | Lotusmiles | 1:1 | 1 day |
| Hotel group | Programme | Ratio | TAT |
|---|---|---|---|
| Accor | ALL - Accor Live Limitless | 1:1 | 1 day |
| IHG Hotels & Resorts | IHG One Rewards | 1:1 | 1 day |
| Marriott International | Marriott Bonvoy | 1:1 | 1 day |
| Shangri-La | Shangri-La Circle | 5:1 | 1 day |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 | 1 day |
Important conditions
1
Domestic lounge6 visits per year
2
International lounge4 visits per year
3
Milestone10,000 bonus reward points on annual spends above ₹12 lakh
4
Fee waiverRenewal fee waived on annual spends of ₹ 8 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹1,000 cashback, ₹3,000 PostCard voucher and 3 months EazyDiner Prime membership after logging into HSBC mobile app and spending ₹10,000 within 30 days
- 3,000 bonus reward points on spending ₹1 lakh in first 90 days
Additional benefits
- 4 complimentary chauffeur-driven airport transfers per year, max 1 per quarter
- 15% off flights and hotels with selected travel partners
- Buy 1 Get 1 free on movie tickets twice a month, capped at ₹250 per ticket
- 10% off dining bills up to ₹1,000 with EazyDiner and Zomato, up to 12 times a year and max ₹5,000 per reservation
- 15% off up to ₹5,000 on flights and hotel bookings with Yatra, EaseMyTrip, Paytm Flights and Cleartrip, subject to partner terms
- Best Price Guarantee on Travel with Points bookings: if you find a lower rate within 24 hours, HSBC refunds the difference as travel credits up to ₹1,500 in the Travel with Points wallet for a future booking
- Access to Mastercard World benefits including golf, travel and lifestyle offers
- Up to USD 20,000 purchase protection per year
Additional details
- Accelerated 4 reward points per ₹100 on airlines, travel aggregators and foreign currency spends excluding DCC are capped at 50,000 reward points per calendar month, then revert to the regular 2 reward points per ₹100
- Travel with Points portal bookings earn up to 4X on flights, up to 6X on hotels and 2X on car rentals for TravelOne, which works out to up to 16, 24 and 8 reward points per ₹100 respectively based on the card's travel earn rate
- Travel with Points 6X and 12X accelerated reward points on flights and hotels are earned up to 18,000 points per month on card payments, after which earn reverts to the regular TravelOne travel rate
- Travel with Points bookings are priced in INR, so HSBC says no foreign exchange fees are charged on those portal bookings through June 2026
- Reward points on add-on cards are eligible and the monthly accelerated cap is calculated cumulatively across primary and add-on cards
Latest Updates
Recent changes to this card
HSBC offers 0% forex markup on eligible international spends15 Aug 2026
- From 15 August 2026 to 15 September 2026, eligible foreign-currency POS and online transactions on HSBC consumer credit cards carry 0% forex markup
- Add-on card transactions are considered, regular card rewards continue, and exclusions include ATM withdrawals, INR-charged transactions, corporate/commercial cards, disputed or reversed transactions, and transactions posted after the offer period
- GST, card-network, regulatory, and other non-forex charges may still apply; verify final terms with HSBC
Eligibility
Check this before you apply
Salaried
- Age 18 to 65 years, Indian resident, minimum income ₹6 lakh per year and eligible city residence
Self-employed
- Age 25 to 65 years, Indian resident, minimum income ₹12 lakh per year and eligible city residence
Exclusions
Spending that does not earn reward points
- Utilities
- Fuel
- Tax payments
- Real estate and property managers
- Non-financial institutions
- Money transfers
- Jewellery
- Insurance
- Financial institutions
- E-wallets
- Bail and bond payments
- Education and government
- Cash advances
- Fees and charges
- Disputed transactions
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