HSBC India has rolled out a brand new function known as Journey With Factors inside its cell app’s Redeem Factors Credit score Card part. That is just like HDFC Financial institution’s 10X Rewards on Smartbuy (or) 12X Rewards on iShop with ICICI Financial institution’s bank cards.
Not like different financial institution’s that tie up with conventional reserving engines, HSBC runs this platform with Hopper.
With this new function, HSBC credit score cardholders can now earn and redeem factors straight for flights, lodges, and automobile leases. Right here’s a fast have a look at the large image.
Earn Price
When you can earn accelerated rewards on flights, lodges and even on automobile leases throughout all rewards linked HSBC bank cards, let’s take a look on the key spends like flights & lodges on noteworthy playing cards like HSBC Premier and HSBC Journey One Credit score Playing cards.
| Card Kind | Motels | Flights |
|---|---|---|
| HSBC Premier | 12X (36%) | 4X (18%) |
| HSBC Journey One | 6X (24%) | 4X (16%) |
- Fulfilment: inside 10 days of transaction
With this new function, HSBC Premier Credit score Card is now higher than HDFC Infinia & even ICICI Emeralde Personal because it not solely earns higher return on journey bookings, but additionally comes with no restriction on redemption like 70% on HDFC Financial institution Credit score Playing cards.
What makes this proposition unbeatable is the flexibility to switch factors to Accor at a 1:1 ratio, translating into a formidable 72% reward fee on lodge spends with the HSBC Premier Credit score Card.
Max Cap
Accelerated factors are capped at 18,000 factors per calendar month and it interprets to one thing like under:
| Card | Motels | Flights |
|---|---|---|
| HSBC Premier | 50,000 INR | 100,000 INR |
| HSBC Journey One | 75,000 INR | 112,500 INR |
Extra Advantages
On prime of those, we additionally get extra advantages like Greatest value assure, value drop safety, and so forth out there as an add-on whereas reserving.
Value Drop Safety goes to be fairly helpful with choose manufacturers like Taj which these days drops the value within the final minute if occupancy goes low.
On condition that Hopper is understood for locating higher offers, I assume the frequent fee distinction difficulty on different platforms like HDFC Smartbuy can be sorted.
Backside line
With the introduction of accelerated rewards on HSBC Credit score Playing cards, we’re now spoilt for alternative with regards to incomes accelerated rewards on journey spends. But, HSBC’s Journey with Factors is the superior one amongst.
Whereas the HSBC Premier Credit score Card is the clear winner, it comes with important eligibility necessities. The stated, for many premium cardholders, the HSBC Journey One Credit score Card will doubtless be the most effective journey card for the remainder of 2025 and hopefully past as effectively.
