{
  "id": "hsbc-travelone-credit-card",
  "locale": "en",
  "name": "HSBC TravelOne Credit Card",
  "bank": "HSBC",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹4,999 + GST",
  "loungeAccess": "6 Domestic & 4 International Airport Lounge visits per year",
  "rewardsRate": "4 Reward Points / ₹100 on Flights, Travel Portals (Hopper) & Forex · 2 Points / ₹100 General",
  "bestFor": "Frequent international travelers, Hopper/OTA travel bookings, and 1:1 instant air miles conversion",
  "officialLink": "https://www.hsbc.bank.in/credit-cards/products/travelone/",
  "aiVerdict": {
    "score": 3.3,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹4999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "hsbc-travelone-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HSBC India — TravelOne Credit Card official product terms and MITC",
    "HSBC TravelOne — 1:1 instant air miles transfer schedule & lounge privileges"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹8,00,000",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Accelerated Travel Spends",
      "value": "4 Points / ₹100 (Hopper, Flights & Forex)"
    },
    {
      "key": "General Spends",
      "value": "2 Points / ₹100 (Uncapped)"
    },
    {
      "key": "Air Miles Ratio",
      "value": "1 Reward Point = 1 Air Mile (Instant)"
    },
    {
      "key": "Lounge Access",
      "value": "6 Domestic + 4 International / year"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹8,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹4,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Flights, Travel Portals (Hopper, OTAs) & Forex",
      "rate": "4 Reward Points / ₹100 (2X rate)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 Points (4,000 Air Miles)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Reward Points / ₹100 (1X rate)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (2,000 Air Miles)"
    },
    {
      "category": "Fuel & Utility Surcharges",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Flights & Travel Platforms (Hopper, OTAs)",
      "multiplier": "2.0×",
      "rate": "4 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "4 points per ₹100 spent on airlines and travel portals."
    },
    {
      "channel": "Foreign Currency Transactions",
      "multiplier": "2.0×",
      "rate": "4 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "4 points per ₹100 on international point-of-sale and online cross-border spends."
    },
    {
      "channel": "Annual Spend Milestone (₹12L)",
      "multiplier": "Milestone",
      "rate": "10,000 Bonus Points",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "10,000 bonus reward points on reaching ₹12 Lakhs annual spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Singapore Airlines KrisFlyer",
      "value": "1 Point = 1 KrisFlyer Mile (~₹1.20–₹1.80)",
      "minPoints": "1 point",
      "ceiling": "No annual transfer cap",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "British Airways Executive Club (Avios)",
      "value": "1 Point = 1 Avios (~₹1.10–₹1.50)",
      "minPoints": "1 point",
      "ceiling": "No annual transfer cap",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Air France-KLM Flying Blue",
      "value": "1 Point = 1 Flying Blue Mile (~₹1.00–₹1.40)",
      "minPoints": "1 point",
      "ceiling": "No annual transfer cap",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (subject to standard surcharge terms).",
    "Government tax payments, wallet loads, and cash advance withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹4,999 + GST"
    },
    {
      "item": "Annual / Renewal Fee",
      "value": "₹4,999 + GST (Waived on ₹8,00,000 spend)"
    },
    {
      "item": "Finance Charges (Monthly)",
      "value": "3.49% per month (41.88% per annum)"
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST"
    },
    {
      "item": "Add-On Card Fee",
      "value": "Nil"
    },
    {
      "item": "Card Replacement Fee",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "18 to 65 years for Salaried; 25 to 65 years for Self-Employed"
    },
    {
      "criteria": "Minimum Income (Salaried)",
      "requirement": "₹6,00,000 per annum"
    },
    {
      "criteria": "Minimum Income (Self-Employed)",
      "requirement": "₹12,00,000 per annum"
    },
    {
      "criteria": "Nationality & Residency",
      "requirement": "Resident Indian citizen"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}