HSBC MakeMyTrip Signature
CancelSeven free base fares on the way in, and a fifteen-point turbo rate once you'd spent fifty thousand.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: MakeMyTrip vouchers worth ₹8,500 plus seven domestic flight-ticket vouchers waiving the base fare, on payment of the first year's fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until HSBC publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #948
Why #948 The most aggressive OTA co-brand India had seen: fifteen points a hundred at MakeMyTrip once you passed ₹50,000 a year, seven domestic base-fare waivers on the way in, and ₹8,500 of vouchers. Carried for the record; HSBC retired the MakeMyTrip pair years ago.
The take
Before MakeMyTrip had a co-brand with anyone else, it had this one with HSBC, and the structure was more aggressive than anything an Indian OTA card has offered since. The accrual ran on three tiers. Ten reward points on every hundred rupees spent at MakeMyTrip. Four on every hundred spent anywhere else — a base rate roughly three times what HSBC's own Platinum paid. And then the part nobody copies any more: a Turbo rate of fifteen points a hundred on everything you spent at MakeMyTrip.com beyond ₹50,000 in a year. An accelerator that gets FASTER the more you spend is the opposite of the monthly cap every Indian issuer now writes, and it was aimed squarely at the household that booked its whole year's travel through one site. The way in was priced like a package holiday. ₹3,499 bought MakeMyTrip discount vouchers worth ₹8,500 — ₹1,000 against international return flights, ₹1,000 against four-star-plus properties, ₹2,500 against domestic holidays and ₹4,000 against international ones — plus seven domestic flight-ticket vouchers that waived the base fare outright. Clear ₹4,00,000 of spend in the first year and the anniversary added two more base-fare waivers and ten thousand reward points on top. What is missing from the record is what any of those points were worth. HSBC pointed cardholders at a rewards catalogue and never published a rupee rate for it, and this card predates by a decade the in-app airline transfers that give HSBC's points their value today. So the counts are carried and the value is not — which is also the honest answer to whether ₹3,499 was worth paying: on the vouchers alone, obviously yes in year one.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
HSBC publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 15 Aug 2026 HSBC zeroes the forex mark-up on every card it sells — for 32 days issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Ten reward points on every ₹100 spent at MakeMyTrip, and four on every ₹100 spent anywhere else
- A Turbo rate of fifteen points a hundred on MakeMyTrip.com spend beyond ₹50,000 in a year — an accelerator that got faster, not slower
- MakeMyTrip vouchers worth ₹8,500 on the way in: ₹1,000 international flights, ₹1,000 four-star-plus hotels, ₹2,500 domestic holidays, ₹4,000 international holidays
- Seven domestic flight-ticket vouchers waiving the base fare, included with the first year's fee
- Clear ₹4,00,000 in year one and the anniversary added two more base-fare waivers and ten thousand reward points
- Up to two additional cards for a spouse, parents, siblings or children
- Zero lost-card liability once the loss was reported to HSBC or the Visa Global Emergency Assistance helpline
Watch out
- WITHDRAWN — HSBC India retired the MakeMyTrip pair and its current shelf carries no OTA co-brand at all
- HSBC never published a rupee value for the reward points on this card: redemption was into a catalogue of MakeMyTrip cash vouchers and travel accessories, with no rate stated anywhere
- The points this card paid could not reach an airline programme — HSBC's 1:1 in-app transfers to Avios and KrisFlyer arrived with TravelOne more than a decade later
- The ₹8,500 of welcome vouchers were DISCOUNT vouchers split four ways by booking type, not ₹8,500 of spendable credit
- The Turbo rate applied to MakeMyTrip.com spend only, and only above ₹50,000 in a year
- The anniversary gift required ₹4,00,000 of first-year spend — eight times the Turbo threshold
- ₹3,499 was payable before any of the welcome vouchers were issued
What these points actually fly
HSBC has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. HSBC India withdrew the MakeMyTrip co-brands and no longer lists them among its credit cards; the pages survive only in the Internet Archive.
HSBC publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Sept 2026HSBC Live+ switches on its international lounge visit, and adds a 1GB global eSIM2 complimentary domestic lounge visits a year (one every 6 calendar months) and nothing international — HSBC's own footnote read "1 international visit per year will be available from 1 September 2026" → The same 2 domestic visits plus 1 international visit per CALENDAR year, claimed through a separate HSBC platform powered by Thriwe, and 1 complimentary 1GB global eSIM a calendar year (7 days, 98 countries) with 20% off every top-up
A dated benefit arriving on time is not news; what HSBC did around it is. The w.e.f. date was published in advance in the Live+ Service Guide — this desk read it there on 16 August — and as it landed HSBC rewrote the product page's own footnote, the `airport-lounge-live-plus` anchor in its dpws-footnotes.json, to drop the future tense and, for the first time, say HOW you get the visit: "To access your benefits, visit the dedicated platform powered by Thriwe." That matters more than the wording suggests. This is not a lounge network and not a card tap; it is a claim you make on hsbcliveplus.thriwe.com, and a benefit you have to go and fetch is a benefit a fair share of cardholders will never fetch. HSBC still names no network for either quota, domestic or international, which is why our lounge map carries the counts and no scheme. Riding in on the same rewrite, undated by HSBC and therefore logged here rather than on a date of its own: "1 Complimentary 1GB valid Global eSIM per calendar year, plus a 20% discount on every top-up. The 1GB pack will be valid for 7 days across 98 countries." Read the numbers before you rate it — one gigabyte, seven days, once a year. That is a long-weekend's maps and messages, not a roaming plan, and the honest framing is a taster that sells top-ups at a discount. On a ₹999 card HSBC reverses at ₹2,00,000 of spend it is still free money; it is just much less money than "complimentary global eSIM" sounds. Nothing in this changes what the card earns: the 10% capped at ₹1,200 a month, the 1.5% uncapped, the zero on international spend since 26 July 2026 and the 1.99% markup are all untouched.
- 1 Sept 2026HSBC's RuPay Platinum welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together
- 1 Sept 2026HSBC's RuPay Cashback welcome suite lapses — ₹500 cashback, EazyDiner and the UPI ₹250 all end together
- 31 Aug 2026HSBC's 0% forex window on the RuPay Cashback card closes
- 15 Aug 2026HSBC zeroes the forex mark-up on every card it sells — for 32 days
- 1 Jul 2026HSBC TravelOne guts its welcome offer for new applicants
- 1 Dec 2024HSBC TravelOne arrives — a 20-partner airmiles card
- 28 Nov 2023HSBC Premier Credit Card returns as a metal card
Every HSBC change we've dated → 9 events since 1987, 6 of them nerfs — worst year 2026.
Verified against HSBC's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official HSBC India's MakeMyTrip Signature Credit Card page (archived 01-Feb-2012) — the three-tier accrual including the Turbo rate, the ₹3,499 fee, the ₹8,500 of vouchers and the anniversary gift
- official HSBC India's later MakeMyTrip Signature features page — the card still on the shelf in 2014, two years after the terms above
- official HSBC India's live Key Fact Statement — the seven credit cards HSBC sells in India today, priced side by side, and this one is not among them