hsbc travel one rewards catalogue

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HSBC TravelOne Credit Card

Unlock a world of travel freedom

Unlock instant travel rewards and elevated travel experiences everywhere you go with the one and only travel card you need. 

Welcome gift

Apply now and enjoy instant approval[@cards-instant-approval-tnc]. What's more, receive 30,000 miles – in the form of 75,000 Reward points – when you meet these criteria:

• pay the annual fee of SGD196.20 (inclusive of GST)
• spend at least SGD500 in qualifying transactions within the qualifying spend period
• provide marketing consent when you apply

That's equivalent to a round trip air ticket to Bangkok!

Open up a world of elevated travel

Instant redemption

The first HSBC credit card to offer instant redemptions with an extensive selection of airline and hotel partners, all within the convenience of your mobile app.

Earn accelerated points

Get up to 2.4 miles (6X Reward points) for your spending.

Travel privileges

Complimentary travel insurance coverage, airport lounge visits and more.

Split flexibly

Split your purchases across a range of flexible tenors that suits your needs with HSBC Instalment Plans –  find out more .

dpws-tools-calculator-creator

The calculated amount shown is indicative only, based on qualifying transactions. Terms and conditions apply .

How many miles you'll need to redeem a flight? 

Note: The miles shown in the table are indicative only, based on the 'Miles Calculator – Redeem Miles' by Singapore Airlines as of 4 September 2023. The miles indicated are for an entire journey for 1 passenger from Singapore and they do not include taxes, fees or any promotional discounts that may apply.

Spend, earn, and go further

Earn points and redeem them instantly[@cards-instantly].

• 2.4 miles (6× Reward points)[@cards-travelonetnc] per SGD1 charged on foreign currency spend.
• 1.2 miles (3× Reward points)[@cards-travelonetnc] per SGD1 charged on local spend.
• Share the perks with a supplementary card[@cards-supplementarycard].
• No redemption fee when you redeem for air miles or hotel points. This offer ends on 31 January 2025.

Be spoilt for choice with instant miles and hotel points redemption with a wide range of airline and hotel partners such as Cathay Pacific, Singapore Airlines, Marriott Bonvoy and more.

• Find out how to redeem instantly  

Travel in style

• Airport lounge: enjoy 4 complimentary lounge visits per year to over 1,300 global airport lounges for primary cardholders –  register now .
• Priceless™ Specials: discover top-tier benefits and a world of privileged access with curated offers and benefits from Mastercard –  explore all offers .
• Travel offers: enjoy a variety of travel privileges when you plan your trip –  find out more .

Put your mind at ease

• Travel insurance[@cards-travelinsurancecoverage]: enjoy complimentary travel insurance with coverage of up to SGD150,000 for Overseas Medical Expenses when you charge the full cost of your air ticket to your HSBC TravelOne Credit Card - read the full policy .  Read Frequently asked questions .
• ID Theft Protection™: enjoy peace of mind when surfing and purchasing online. Proactive monitoring and alerts help to ensure the security of your personal data from identity theft or fraud. Enrol online for complimentary access – find out more .

Who can apply?

To apply for an HSBC TravelOne card, you must be aged 21 or above and have a minimum annual income of:

• SGD30,000, if you're a Singaporean or Permanent Resident
• SGD40,000, if you're a self-employed or commission-based Singaporean or Permanent Resident
• SGD40,000, if you're a foreigner residing in Singapore

If you do not meet these income requirements, a minimum fixed deposit collateral of SGD10,000 will apply.

What you need to apply 

Apply using MyInfo via Singpass and save the hassle of providing supporting documents.

Alternatively, prepare the following supporting documents with your application.

• ID documents of the primary and any supplementary applicants
• income documents of the primary applicant

What documents are acceptable?

Important documents 

• ABS consumer guide for credit cards (PDF) ABS consumer guide for credit cards (PDF) Download
•   Consumer guide for credit cards Consumer guide for credit cards Modal
•   Credit card FAQs Credit card FAQs Modal
•   Credit card security Credit card security Modal
• Credit card terms (PDF) Credit card terms (PDF) Download
• TravelOne credit card reward points programme terms and conditions (PDF) TravelOne credit card reward points programme terms and conditions (PDF) Download
• TravelOne sign-up gift offer terms and conditions (PDF) TravelOne sign-up gift offer terms and conditions (PDF) Download

What you need to know 

Your credit limit

Your credit limit is subject to our review and approval. Where you've stated a preferred credit limit, the amount we grant may be lower than what you requested.

Finance charges

A finance charge will be imposed based on the amount withdrawn, from the date the transaction is posted to your account to the date the payment is made in full or the next statement date, whichever is earlier.

Effective rate: 27.8% p.a. (minimum)

Minimum charge: SGD2.50

The annual fee is at SGD196.20 including GST, starting from the issue date for your credit card. From the second year onwards, we'll waive the annual fee for your card if you spend more than SGD25,000 per year.

Receive 10,000 miles (in the form of 25,000 Reward points) when you pay for your annual fee from the second year onwards. The Reward points will be credited to your account within the next 2 months after the annual fee is charged to your card. Valid till 31 December 2024.

No Reward points will be awarded if your annual fee is waived when you spend more than SGD25,000 per year.

Get the miles

Get up to 30,000 miles (in the form of 75,000 Reward points) when you successfully apply for the HSBC TravelOne Credit Card, pay the annual fee of SGD196.20 (including GST), spend a minimum of SGD500 in qualifying transactions and provide marketing consent when you apply!

Share the perks with a supplementary card

Our HSBC credit cards open up a world of banking convenience, benefits and privileges. And now, you can share it with your family too.

• Earn reward points each time your loved ones spend on their cards
• Get up to 5 supplementary cards, free to you and your family for life
• Any loved one can hold a supplementary credit card as long as they're aged 18 or above

Other ways to apply 

Leave us your contact details online or by SMS, and we'll give you a call within 3 working days to help you apply for this card.

Text HSAPP <space> Name <space> to 74722, or request a callback online .

Why bank with us

AsiaMoney Best Bank For Digital Solutions – Singapore

HSBC is the recent recipient of the 'AsiaMoney Best Bank For Digital Solutions – Singapore' Award 2023 

Customer Satisfaction Index

HSBC ranked #1 in Credit Card sector for 3 consecutive years (2020 to 2022) in the Customer Satisfaction Index of Singapore.

Additional information

How can i enjoy the complimentary airport lounge .

Start enjoying your benefit

• Step 1: download Mastercard Travel Pass app (available on the Apple App Store and Google Play)
• Step 2: select 'Sign up' to register for the programme, or log on to your account if you're already a member
• Step 3: enter your HSBC TravelOne Credit Card details for a one-time verification
• Step 4: complete your personal details for Mastercard Travel Pass account registration (enter your name as shown in your passport)
• Step 5: set your account password

Simply use the membership number stored under 'my visits' when visiting airport lounges.

With the app, you can also view the airport lounges and restaurants available, keep track of your usage history and access many more services.

Note: Primary cardholders may use their complimentary lounge visits to redeem free meals at selected airport restaurants.

Terms and conditions apply .

Check out Mastercard Travel Pass

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Elite credit card Rewards Program

Your Elite Rewards Program

• Earn 5× Points on all your travel purchases including airline, hotel and car rental
• Earn 2× Points on dining 
• Earn 1× Points on all other purchases

How to use your Points

• Book flights, hotels, and car rentals on HSBC Travel, Powered by Priceline TM [@certainrestrictionsapplyelite]
• Pay for everyday purchases at Amazon.com [@amazon]
• Get cash back[@cashbackelite] via statement credits or direct deposit to an HSBC checking or savings account
• Pay your Annual Fee or eligible purchases with Pay with Rewards®[@pay-with-rewardselite]
• Choose merchandise, gift cards and eGift cards from hundreds of your favorite premium brands[@certainrestrictionsapplyelite]

Reward yourself, or someone special today.

Visit the rewards site for more information on travel benefits, gift cards, merchandise and more.

• Explore rewards catalogue   Explore rewards catalogue This link will open in a new window

How your Points could add up

Use your HSBC Elite credit card to earn Points on eligible purchases, then redeem them for a reward of your choice.

How much could my points be worth?

Annually, 107,500  Points could be redeemed for: 

• $1,075 cash back
• $1,075 in eGift cards
• $1,612.50 travel booked with HSBC Travel

The values are based on an example of a total annual spend of $55,000 within the specific Points categories listed illustrating potential Point earnings and redemption values. Value amounts will vary based on actual spend amount and types of purchases.

How to redeem your Points online

It's easy to check your balance and redeem your Points online:

• Log on to online banking .
• Select your credit card from the account summary screen.
• Click 'Manage' on the right side of the screen, then select 'View and redeem rewards'.
• You’ll be taken to the HSBC Rewards Program website. Your balance will be displayed on the screen.
• Browse rewards by choosing a category from the menu of options provided.
• To redeem, add your selected reward to your Shopping Cart or follow the instructions provided.

Reward Program rules 

• Reward program rules Reward program rules Download link

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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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11 May 2023

HSBC launches new TravelOne credit card

HSBC Singapore announced today the launch of the new HSBC TravelOne credit card, tailored for travel enthusiasts who want greater flexibility, convenience and incentives as they embrace new experiences in the post-pandemic travel boom.

Launched in partnership with Mastercard and powered by both Mastercard Reward System and Ascenda, the HSBC TravelOne credit card offers an easy rewards redemption experience with a wide range of international airlines and hotel partners via the HSBC Singapore mobile application.

HSBC is the first in Singapore to offer customers the convenience of instantly redeeming their card reward points for a wide range of airline miles and hotel stays via their mobile.

Ashmita Acharya, Head of Wealth and Personal Banking, HSBC Singapore, said, “We are seeing a resurgence in overseas travel by our customers from Singapore who, post-pandemic, are embracing the freedom to travel again. Credit cards continue to be valued by customers traveling internationally, and the HSBC TravelOne credit card allows customers to easily redeem travel rewards and manage their payments flexibly all from the convenience of the HSBC mobile banking app. Alongside products and services such as HSBC Global Money Transfers, we are delighted to provide our customers with more choice and convenience for their international transactions.”

Travel roars back

According to the latest Mastercard Economics Institute report, daily outbound air travel bookings have consistently exceeded pre-pandemic averages since May 2022. The strong bookings momentum suggest much more room for resident departures in 2023 as more flight capacity is brought back online and ticket prices cool. Total resident departures have recovered to 5.2 million in 2022 compared to 830,000 in 2021 and 1.5 million in 2020. 1 Average spend per trip for 2022 was also similar to that of 2019. In 2022, travelers from Singapore said they will likely spend $3,468 on international travel over the year, similar to how much they spent in 2019 ($3,547 on average) 2 .

Deborah Heng, Country Manager, Singapore, Mastercard, said, “With travel demand recovering strongly and continuing to grow, Mastercard is proud to partner with HSBC to introduce the HSBC TravelOne credit card which is set to revolutionise travel with exclusive benefits and digital features for cardholders that cater to their travel preferences and needs. Cardholders can instantly redeem their rewards wherever and whenever they choose, enjoy easy access to airport lounges enabled by the Mastercard Travel Pass and have the option of flexible payments, all while being ensured secure transactions anywhere, anytime. The HSBC TravelOne credit card is set to provide unprecedented frictionless and safe travel experiences for cardholders in Singapore.”

Deepening capabilities to provide customers seamless experience and access to international banking and payment solutions

HSBC Singapore has introduced more than 70 transactional banking, wealth management and customer servicing features on its mobile app since 2020. In March, HSBC Singapore also introduced a new capability, International Credit History , which enables the Bank to use customers’ overseas credit bureau report in key markets including India, Australia and the UK.

Media enquiries to:

Betty Fong | +65 6658 4103 | [email protected]

Note to editors:

1. Key features of the HSBC TravelOne Credit Card include: 

• The HSBC TravelOne Credit Card will bring together more than 20 international airline programmes and three global hotel chain partners on a single credit card platform by end of 2023.
• At launch, there are
• Nine participating international airline programmes: Air France – KLM Flying Blue; airasia rewards; British Airways Executive Club; Cathay Pacific Asia Miles; Etihad Guest; EVA Air Infinity MileageLands; Qantas Frequent Flyer; Singapore Airlines KrisFlyer; Vietnam Airlines Lotusmiles:
• Three participating global hotel partners: ALL-Accor Live Limitless; IHG One Rewards; Marriott Bonvoy.
• Primary cardholder is entitled to 4 complimentary visits per year to over 1,300 airport lounges around the world.
• Complimentary travel insurance coverage (including COVID-19) of up to USD100,000 for you and your family.
• Earn accelerated points: Earn 1.2 miles per SGD1 charged on purchases in Singapore; earn 2.4 miles per SGD1 charged on purchases overseas.

2. HSBC TravelOne Credit Card Reward Points Programme T&Cs apply. Visit  www.hsbc.com.sg/travelone for more details

HSBC TravelOne credit card offers customers instant travel rewards redemption via the HSBC mobile banking app.

About HSBC Singapore

HSBC opened its first branch in Singapore in 1877. A qualifying full bank serving international needs of individual, corporate and institutional clients, HSBC in Singapore offers a comprehensive range of banking and financial services including retail banking and wealth management; commercial, investment and private banking; insurance; forfaiting and trustee services; securities and capital markets services. It was recognised by Asiamoney as “Best International Bank in Singapore” in 2022.

About The Hongkong and Shanghai Banking Corporation Limited

HSBC Holdings plc, the parent company of HSBC, is headquartered in London. HSBC serves customers worldwide from offices in 62 countries and territories. With assets of US$2,990bn at 31 March 2023, HSBC is one of the world’s largest banking and financial services organisations.

About Mastercard (NYSE: MA) www.mastercard.com

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

About Ascenda

Ascenda powers innovative premium rewards programs that accelerate the growth of financial services. The company delivers easy-to-deploy rewards infrastructure to rapidly scale acquisition, card spending, cross-selling, and retention. Serving major financial services brands and disruptive fintechs across the globe, Ascenda’s clients include HSBC, Brex, Virgin Money, American Express, and Capital One.

For more information about Ascenda, please visit ascendaloyalty.com .

1 Outbound Departures Of Singapore Residents By Mode Of Transport , Singapore Department of Statistic.

2 Consumer travel spend priorities 2022: How fintech is supporting industry renewal, Amadeus.

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Is the HSBC TravelOne Card the One and Only Travel Card You Need?—MoneySmart Review 2023

Let’s talk about the HSBC TravelOne card’s name—“Travel One”. It aims to be the 1 travel card you need. HSBC says so as well: “Unlock instant travel rewards and elevated travel experiences everywhere you go with the one and only travel card you need.”

But does the HSBC TravelOne card (literally) live up to its name? If I only have 1 travel card, I want good miles earn rates, low (or no!) annual fees, and a slew of travel benefits and privileges. 

Let’s take a look at how the HSBC TravelOne Card fares. We review the card’s earn rates, travel rewards, privileges, and more. 

See our credit card ranking rubric to find out how we rank credit cards.

• HSBC TravelOne Card: Summary
• HSBC TravelOne Card: Eligibility
• HSBC TravelOne Card: Annual fees
• HSBC TravelOne Card: Earn rates
• HSBC TravelOne Card: Bonus earn categories
• HSBC TravelOne Card: Rewards points redemption
• HSBC TravelOne Card: Benefits and privileges
• HSBC TravelOne Card: Sign-up promotion
• Should I get the HSBC TravelOne Card?
• Alternatives to the HSBC TravelOne Card

1. HSBC TravelOne Card: Summary

HSBC TravelOne Card

[ROLEX LUCKY DRAW] Get  S$300 Cash via PayNow or 5,040 SmartPoints  when you apply and spend a min. of S$1,000 from Card Account Opening Date to end of the following calendar month. T&Cs apply .   Use SmartPoints to redeem your favourite product from our  Rewards Store  today.   PLUS stand a chance to win a  Rolex Submariner Date 126610  (worth over S$17,000) when you meet the Lucky Draw criteria!  Check out our past Lucky Draw winners  here !

Key Features

Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app

Accelerated earn rate: up to 2.4 miles for your spending

Travel privileges: Complimentary travel insurance coverage (including COVID-19), 4 x complimentary airport lounge visits for primary cardholders and more

Split flexibly: Split your purchases across a range of flexible tenors that suits your needs with HSBC Instalment Plans

Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel.

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

The HSBS TravelOne card is an entry-level air miles card that’s good for general spending. It doesn’t come with any bonus earn categories, but does come with a good mix of travel benefits and privileges. These include travel perks (such as cashback and discounts when you shop overseas) and travel protection in the form of complimentary travel insurance.

Back to top

2. HSBC TravelOne Card: Eligibility

Let’s first talk about who’s eligible for the HSBC TravelOne Card.

An entry-level miles card, the HSBC TravelOne Card has pretty typical age and minimum income requirements:

• Age requirement: 21 years old
• For Singaporean and PR salaried workers: $30,000
• For Singaporeans and PRs who are self-employed or commission-based: $40,000
• For foreigners: $40,000

3. HSBC TravelOne Card: Annual fees

The HSBC TravelOne Card comes with a pretty standard annual fee of S$194.40 . Generally, this is the standard annual fee for most entry-level credit cards, barring credit cards with $0 annual fee .

Of course, the annual fee doesn’t matter if a fee waiver is available. HSBC doesn’t say anything about the first year’s annual fee (you can always try your luck requesting a fee waiver !). However, they will waive the annual fee for the second year onwards if you spend over S$25,000 per year. That’s about $2083 per month.

4. HSBC TravelOne Card: Earn rates

Here’s a quick look at how the HSBC Travel One Card’s earn rates compare to other entry-level miles cards:

The HSBC TravelOne Card local spend earn rates are average at best —there are miles cards with lower local earn rates, such as the BOC Elite Miles World Mastercard , which clocks in at just 1 mile per dollar (mpd).

However, the HSBC TravelOne Card’s foreign spend earn rates are above average . The only other miles credit card out there with a comparable rate is the UOB PRVI MASTERCARD Miles Card, which comes with a $5 minimum spend caveat—you need to spend S$5 to earn UNI$6/2.4 miles.

5. HSBC TravelOne Card: Bonus earn categories

At its heart, the HSBC TravelOne Card is meant for everyday, general spending. That comes with 1 downside: it doesn’t have any bonus earn categories . These refer to specific spend categories with which you can earn a greater number of miles per dollar.

Bonus earn rates are miles credit cards are usually between 3 mpd to 10 mpd. Here are some examples:

• Standard Chartered Journey Credit Card : 3 mpd on online transactions in Transportation, Grocery and Food Delivery Merchants categories
• UOB PRVI MASTERCARD Miles Card : 6 mpd (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
• Citi PremierMiles Card : Up to 10 mpd on online travel bookings via Kaligo and Agoda
• DBS Altitude Visa Signature Card : Up to 10 mpd on hotel transactions at Kaligo (capped at S$5,000/month); up to 6 miles per S$1 on flight, hotel and travel packages at Expedia (capped at S$5,000/month)

Is it a big disadvantage that the HSBC TravelOne card doesn’t have bonus earn categories? We would say not necessarily. It really depends on if you’d spend more on those bonus earn categories in the first place. For example, if you don’t want to book via Kaligo, Expedia or Agoda, the Citi PremierMiles Card and DBS Altitude Visa Signature Card bonus earn rates are basically made defunct.

6. HSBC TravelOne Card: Rewards points redemption

HSBC rewards you with Rewards points for each dollar of your spending—they don’t just give you miles directly. Here’s a breakdown of the points earn rates:

• 2.4 miles (6 Reward points) per S$1 foreign spending
• 1.2 miles (3 Reward points) per S$1 local spending

The good news is that from now till 31 Dec 2023, HSBC won’t charge you any conversion fee for redeeming your points for air miles or hotel points. Usually, you have to pay an annual HSBC Mileage Programme fee of S$40, subject to GST.

On top of that, HSBC rewards redemptions are fast . According to HSBC’s TraveIOne Card page, they’ll complete redemptions for air miles and hotel points instantly or in 1 business day.

Do note that HSBC Reward points expire after 37 months . 3+ years sounds like a lot of time, but you know how these expiry dates can creep up on us without us realising—fellow points hoarders, you know what I mean.

Prefer a rewards system with points/miles that never expire? Consider the Standard Chartered Journey Credit Card for 360 Rewards Points that never expire, or the Citi PremierMiles Card for Citi Miles that never expire.

7. HSBC TravelOne Card: Benefits and privileges

Although the HSBC TravelOne Card doesn’t have any bonus point categories, it does come with a generous slew of travel benefits and privileges. Broadly, these fall into 2 categories: travel perks, and travel protection.

HSBC TravelOne Card travel perks

• Airport lounge access : As the primary cardholder, you get 4 complimentary lounge visits per year to over 1,300 airport lounges around the world.
• Travel rewards : With the HSBC TravelOne Card, you get to enjoy cashback and discounts when you travel and do your shopping overseas under the Mastercard Travel Rewards catalogue . These apply to both in-store and online merchants across over 25 countries, including Daimaru Matsuzakaya Department Stores in Japan and Bloomingdale’s in the United States. 
• Mastercard Priceless™ Specials : This is another MasterCard rewards programme that you get with the HSBC TravelOne card, but this one is a bit more upmarket. It offers privileged access to benefits across travel, culinary, shopping, sports, entertainment, and arts and culture.

HSBC TravelOne Card travel protection

• Travel insurance : If you charge your air ticket (in full) to your HSBC TravelOne Card, you’ll get complimentary travel insurance coverage (including COVID-19) of up to USD100,000.
• ID Theft Protection™ : The HSBC TravelOne Card doesn’t just want to give you peace of mind while on holiday—it also aims to do so while you’re browsing and making purchases online. You can register for Mastercard ID Theft Protection™ to ensure your personal data is safe and secure, protecting you from identity theft and fraud. 
• Checking travel and health restrictions : It is such a chore to check for travel and health restriction/documentation. The HSBC TravelOne gives you access to Sherpa, a travel advisory tool that tells you what Visa requirements, travel documents, and even if COVID-19 tests are needed prior to your trip. 

Hungry for more benefits? Even if you aren’t travelling, the HSBC TravelOne Card comes with a dining perk you can use right here in Singapore. You’ll get complimentary access to ENTERTAINER with HSBC , which comes with tons of 1-1 deals on dining, lifestyle and travel. These deals are available worldwide, but there are plenty to choose from locally too.

ALSO READ :  Best Food Discount and Rewards Apps in Singapore—Chope, Burpple, Entertainer & More

8. HSBC TravelOne Card: Sign-up promotion

From now till 31 Aug 2023, you can get up to 20,000 Miles (in the form of 50,000 Rewards Points) when you apply for the HSBC TravelOne Card.

The downside is that you need to pay the card’s annual fee of S$194.40 (GST already included), as well as spend at least S$800 in qualifying transactions within 1 month. Depending on your lifestyle, this minimum spend could be easily doable, or a tall order.

9. Should I get the HSBC TravelOne Card?

If you’re looking for a general spending travel card (that means no bonus earn categories!), the HSBC TravelOne Card is a decent choice. Its earn rates are average or slightly above average (especially when it comes to foreign spending), and we like that you earn Rewards points per dollar spent. For some other cards with similar earn rates, you need to spend say $5 before you chalk up any points. This means that the HSBC TravelOne Card can help you earn points on even the smallest purchases.

Don’t forget that the HSBC Reward points expire after a 37-month period. This could be a pro or a con, depending on how much of a points hoarder you are.

The HSBC TravelOne Card does live up to its name as the 1 and only travel card you’ll need…if you’re looking for a general spending miles card. We suggest you get the HSBC TravelOne Card if you want a general spend card, if you value travel benefits, and if you’re looking for a higher than average earn rate for foreign spending. This card isn’t for you if you want a high bonus earn rate on selected categories, or if you want miles that never expire. 

10. Alternatives to the HSBC TravelOne Card

Here are some other entry-level miles cards for you to consider. These rewards points/miles never expire:

Standard Chartered Journey Credit Card : This card rewards you with a bonus earn rate of 3 miles for online transactions on transport, food delivery, and groceries. The best part is that the 360 Rewards Points you earn never expire.

Standard Chartered Journey Credit Card (No Annual Fee)

Get S$150 Cash via PayNow  when you apply through MoneySmart and spend a min. of S$500 in eligible transactions within 30 days from card approval date! T&Cs apply .   PLUS earn  up to 25,000 Miles  when you sign up for the Journey Credit Card, meet the eligible spends and waive your card's first year Annual Fee.  T&Cs apply .

Up to 3 miles for every $1 spent

2 complimentary visits to Priority Pass lounges around the world each year

S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023

Complimentary travel insurance coverage of up to S$500,000.

360 Rewards Points do not expire

S$10 off Grab rides to or from Changi Airport

Citi PremierMiles Card : Citi Miles never expire! Plus, earn up to 10 miles per $1 spent on selected hotel bookings. 

Citi PremierMiles Card

[HIGHEST VALUE GIFTS | ROLEX LUCKY DRAW]   Get  SUPER UPSIZED 6,140 SmartPoints  or SUPER UPSIZED S$400 Cash , on top of  an EXTRA S$80 Trip.com coupon , in as fast as 5 weeks from meeting the S$500 spend criteria!  T&Cs apply . Use SmartPoints to redeem your favourite product from our  Rewards Store  today.   PLUS enjoy additional MoneySmart Exclusive offers!

• Stand a chance to win a  Rolex Submariner Date 126610  (worth more than S$17,000) when you meet the Rolex Lucky Draw criteria!  Check out our past Lucky Draw winners  here !
• Get a  FREE 5GB Eskimo e-SIM  (worth S$33.60) from the MoneySmart Eskimo e-SIM Giveaway! No min. spend required!

S$1 = 1.2 Citi Miles on Local spend (no min. spend)

S$1 = 2 Citi Miles on Foreign currency spend

Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee

Citi Miles never expire

Principal Cardholder gets to enjoy 2 complimentary visits every year to over 1,300 airport lounges worldwide.

OCBC 90 N Card : Travel$ never expire. You’ll also get up to 7 miles per $1 spent on Agoda accommodations worldwide.

OCBC 90°N Card

Designed with an LED light feature, the 90°N MasterCard Card lights up whenever you make a contactless payment.

Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.

Check out and easily compare the other air miles credit cards in Singapore .

P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Don’t miss our ultimate list of credit card reviews  for the low-down on credit cards in Singapore.

Found this article useful? Share it with a fellow traveller considering a miles card!

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HSBC TravelOne Credit Card

Instant reward redemption with an extensive selection of airline and hotel partners.

Key Features

• Instant redemptions with an extensive selection of airlines and hotel partners
• Get up to 8x Reward points for your spending on foreign currency spend, local travel spend (Hotel, Airlines and Travel Agencies), local dining spend & other retail spend
• 6x complimentary airport lounge access per year at selected Plaza Premium airport lounge and complimentary travel insurance coverage

Guaranteed Gift!

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* Terms and conditions apply

• 8× Reward points on all foreign currency spend
• 5× Reward points on on local travel spend (hotels, airlines and travel agencies)
• 6x Complimentary airport lounge access per year at selected Plaza Premium airport lounge
• Complimentary travel insurance coverage

Entertainment

• 5× Reward points on on local dining spend
• 1× Reward points on on other eligible retail spend
• Split flexibly your purchases across a range of flexible tenures to suit your needs with a 0% HSBC Card Instalment Plan
• 6x Complimentary airport lounge access per year at selected Plaza Premium airport lounge 

Insurance or Health

• 1× Reward points on other eligible retail spend

Other Features

• 1% contribution on charity spending : For every charitable donation you make with your HSBC Travel One Credit Card, we'll contribute 1% of your charity spending up to RM500,000 per year to our supported charities
• Balance Transfer Installment (BTI) : - 0% p.a. for 3 months, or - Upfront interest 1.88%, for 6 months instalment tenure, or - Upfront interest 3.88%, for 12 months instalment tenure - Capped at 60% of credit limit
• Reward points : Instant redemptions with an extensive selection of airlines and hotel partners
• Cash Instalment Plan (CIP) : As low as 3.88% p.a. for 12 months instalment tenure

Card Information

Product review by, collect reward points for more redemption.

HSBC TravelOne Credit Card offers up to 8x Reward points for your spending on foreign currency spend, local travel spend (Hotel, Airlines and Travel Agencies), local dining spend & other retail spend. By collecting the reward points, you can instant redemptions the reward points with an extensive selection of airlines and hotel partners. Beside that you can enjoy 6x complimentary airport lounge access per year at selected Plaza Premium airport lounge and complimentary travel insurance coverage.

When can I redeem my reward points?

The first HSBC credit card to offer instant redemptions with an extensive selection of airlines and hotel partners, available conveniently via the HSBC Malaysia Mobile Banking app.

Fees and Charges

Are you eligible for the hsbc travelone credit card.

You just have to earn at least RM5,000 every month and to be at least 21 years old.

Where can I see the Reward points I've earned or redeemed?

You can keep track of your Reward points on the HSBC Malaysia Mobile Banking app.

How long will I have before my Reward points expire?

You'll have 3 years to redeem the Reward points you earned on your credit card, starting from the end of the calendar month in which you earned them.

For example, if you made a transaction on 20 July 2022, the Reward points you earned for that transaction will expire on 30 July 2025.

When you redeem your Reward points, we'll use your oldest Reward points first.

What if something goes wrong when I'm redeeming my points?

If your redemption fails, we'll automatically refund your points. You'll also receive an email or letter explaining why the redemption was rejected.

Who are the Airlines Partners ?

Who are the hotel partners , am i eligible for the hsbc's rewards programme.

Yes, every HSBC cardholder is eligible for HSBC's Rewards programme.

HSBC TravelOne Credit Card Terms and Conditions & Product Disclosure Sheets

HSBC TravelOne Credit Card Terms and Conditions & Product Disclosure Sheets

How to redeem campaign gift?

Kindly refer HERE for the clear timeline on full application and gift redemption process

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Mainly Miles

Maximise your miles.

HSBC launches TravelOne credit card – with 9 frequent flyer partners

HSBC launched a new travel credit card last week – the TravelOne card – a general spend option which boasts nine frequent flyer transfer partners and a 20,000 miles sign-up bonus when you apply between now and the end of August 2023.

The card also boasts fee-free transfers to frequent flyer miles until the end of 2023, while the transfers themselves will be instant, or in the worst case take only one business day.

Another plus that might make you keen to dive in with this one – the sign-up bonus is also open to existing HSBC cardholders too, not just new-to-bank applicants, as is usually the case with these promotions.

The annual fee is non-waivable in year one. It is waived each year from the second membership year onwards, provided you spent at least S$25,000 in the previous membership year.

To apply for an HSBC TravelOne card, you must be aged 21 or above and have a minimum annual income of:

• S$30,000 for Singapore Citizens and Permanent Residents, or
• S$40,000 for self-employed or commission-based Singapore Citizens or Permanent Residents, and for foreigners residing in Singapore

If you do not meet the income requirements, a minimum fixed deposit collateral of S$10,000 will suffice instead.

  Earn rates

The HSBC TravelOne card earns:

• 1.2 mpd for local spend (i.e. transacted in SGD), and
• 2.4 mpd for overseas spend (i.e. transacted in foreign currency).

No minimum spend or upper cap applies on earning with this card, but do note that unfortunately CardUp and ipaymy transactions do not earn miles on this (or any HSBC) card.

Here’s how that compares to some other general spend cards with similar income requirements on the market in Singapore.

Earn rates (general spend cards) (Best to worst, May 2023)

* During June and December only, otherwise the local spend rate applies

As you can see while the local earn rate of 1.2 mpd is run-of-the-mill, the FCY rate is on the more attractive side at 2.4 mpd, matching the UOB PRVI Miles cards.

The minimum spend to earn points with HSBC is also attractive at S$0.50, with some cards like those issued by OCBC and UOB earning no points at all for transactions less of than S$5.

  Sign-up bonus

HSBC is running a sign-up deal for those applying for the TravelOne credit card between now and 31st August 2023, with 20,000 bonus miles (paid as 50,000 HSBC Reward points) on offer when you spend S$800 or more by the end of the calendar month following the month of card approval.

The great thing about this offer is that it’s open to new and existing HSBC credit card holders.

That means if you’re already holding on to another HSBC card, like the Revolution or Visa Infinite products, you can still benefit from these bonus miles if you also pick up the TravelOne card between now and the end of August.

To be eligible you will need to:

• Apply by 31st August 2023
• Consent to receive marketing and promotional materials from HSBC
• Pay the annual fee of S$194.40
• Charge a minimum of S$800 in qualifying transactions by the end of the calendar month following the month of card approval (e.g. approved 19th May = meet the spend by 30th June)

Provided you have S$800 spend coming up, these 20,000 bonus miles cost 0.97 cents each based on payment of the S$194.40 annual fee.

There is a slightly higher cost, however, if you have to divert some or all the spend away from 4 mpd / 6 mpd credit cards to meet this threshold with the TravelOne card, which will be the case for some of our readers. It doesn’t dramatically change the equation though – this bonus is still worth it .

Qualifying transactions for the S$800 minimum spend comes with the usual HSBC exclusions, as shown below.

Spend exclusion categories

• Foreign exchange transactions (including but not limited to Forex.com);
• Donations and payments to charitable, social organisations and religious organisations;
• Quasi-cash transactions (including but not limited to transactions relating to money orders, traveler’s checks, gaming related transactions, lottery tickets and gambling);
• Payments made to financial institutions, securities brokerages or dealers (including but not limited to the trading of securities, investments or crypto-currencies of any kind);
• Payments on  money payments/transfers  (including but not limited to  Paypal , SKR skrill.com,  CardUp , SmoovPay,  iPayMy );
• Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC);
• Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to EZ-Link, Transitlink, NETS Flashpay and Youtrip);
• Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment);
• Any AXS and ATM transactions;
• Tax payments (except HSBC Tax Payment Facility);
• Payments for  cleaning, maintenance and janitorial services  (including property management fees);
• Payments to  insurance companies  (including but not limited to sales, underwriting, premiums and insurance services);
• Payments to  educational institutions ;
• Payments on  utilities ;
• The monthly instalment amounts under the HSBC Spend Instalment;
• Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC’s Cash Instalment Plan, any fees charged by HSBC;
• Any unposted, cancelled, disputed and refunded transactions.

Full terms and conditions for the sign-up bonus are available here .

  Transfer partners

The most significant leap for this card is a new variety of airline and hotel loyalty programme partners for you to transfer your HSBC Reward points across to.

For other HSBC products like the Revolution and Visa Infinite cards, transfers are only supported to Singapore Airlines KrisFlyer miles and Cathay Pacific Asia Miles, but the HBSC TravelOne card allows you to transfer into  nine FFPs , as shown below.

HSBC FFP Transfer Partners

This is a strong list, including Star Alliance, Oneworld and SkyTeam options, and introduces Vietnam Airlines Lotusmiles as a credit card conversion partner for the first time in Singapore.

Qatar Airways Privilege Club (QRPC) is also a de-facto inclusion, since you can link your British Airways Avios and QRPC accounts and make unlimited instant free 1:1 transfers of any amount between them, whenever you like.

In all cases with these nine FFPs, the same transfer ratio of 25,000 HSBC Reward points to 10,000 miles applies (2.5:1), so the ‘advertised’ miles per dollar rates on this card are true for all of them.

Of less interest, but still potentially useful for some readers, you can also transfer HSBC Reward points accrued on the TravelOne card to three hotel loyalty programmes:

• Accor Live Limitless (25,000 : 5,000)
• IHG One Rewards (25,000 : 10,000)
• Marriott Bonvoy (25,000 : 10,000)

Hotel points value shouldn’t be totally discounted of course – the 50,000 Reward points (20,000 miles) sign-up bonus for this card could instead be transferred into 10,000 Accor points – worth EUR200 (S$290) against a future hotel stay.

That alone makes the annual fee of S$194.40 worth paying, provided you can hit S$800 spend.

  More to come?

By end of 2023, HSBC is promising to have  more than 20 airline and hotel transfer partners  available, at least eight more than it has now, so it will be interesting to see what the new options are in due course.

Fingers crossed for some useful additions like Turkish Miles&Smiles, Alaska Mileage Plan and Air Canada Aeroplan (some of these are already launch partners for the TravelOne card in Malaysia ).

Hopefully all these partners can also be added as options for other HSBC credit cards in future, not just the TravelOne card.

  Transfers are instant (or are they?)

One useful feature HSBC is promising with the TravelOne card is instant conversion from HSBC Rewards points to frequent flyer miles or hotel points.

This will be possible through the HSBC Singapore app ( App Store | Google Play ), and is currently exclusive to this card within the bank’s lineup.

Here’s HSBC’s step-by-step summary of how it will work.

There’s a little caveat, however, with a sneaky “or within one business day” get-out for the bank, plus if you’re transferring to Accor Live Limitless it will take up to five business days.

Air miles and hotel points redemptions will be completed instantly or within 1 business day. For Accor Live Limitless, it will take up to 5 business days. Please note that this list may be updated from time to time. HSBC

That could mean a Friday night transfer not crediting until Monday or Tuesday the following week in some cases.

It will be interesting to pick up some data points from readers on the actual transfer times in the months ahead – hopefully it is indeed simply instant!

↥  Minimum transfer quantity

The minimum transfer quantity is 25,000 HSBC Reward points, into 10,000 miles.

After that though, transfers can be made in 5 HSBC Reward point (2-mile) denominations.

That’s good news, because to unlock the sign-up bonus by spending S$800 you’ll accrue 960 miles for local spend (800 x 1.2) or 1,920 miles for FCY spend (800 x 2.4), in addition to the bonus itself.

That means you’ll have at least 20,960 miles and perhaps upwards of 21,920 miles in your rewards account for an exact spend of S$800 once the bonus miles come in, and thankfully you can transfer that exact quantity to miles, (since it’s greater than 10,000).

2-mile redemption blocks also avoids having ‘orphan miles’ stuck on your card, but only provided you keep your balance above 25,000 Reward points (10,000 miles) at all times.

Unfortunately HSBC does not allow you to combine points accrued on different cards, so if you have 24,999 HSBC Reward points on your TravelOne card it’s impossible to pool those with your Revolution card points, for example, to achieve a transfer.

  Free transfers till December 2023

Another good thing about the TravelOne card is that unlimited transfers to frequent flyer programmes are free of charge until 31st December 2023.

That can also help you split up your miles stash and transfer them into different FFPs, provided each transfer is at least 10,000 miles, without incurring any additional cost.

For example, if you accrue 22,000 miles you could transfer 10,000 into KrisFlyer and 12,000 into British Airways Avios if you wished, with no fees to pay for either transfer during the rest of 2023.

From 1st January 2024 it’s not clear whether HSBC will require TravelOne cardholders to subscribe to the HSBC Mileage Programme (S$43.20 per year for unlimited transfers), or charge a one-time fee for each transfer (typically S$25-27).

  Lounge access

The TravelOne card comes with  four complimentary lounge visits  per calendar year, under the DragonPass programme.

This includes a wide range of 1,300 lounges globally, with all 10 third-party options here in Singapore at Changi Airport accounted for.

The great thing about the lounge visits being based on  calendar year , assuming you pick up the TravelOne card in the coming months, is that you’ll be able to use up four visits in 2023, then a fresh four visit allowance will be loaded on 1st January 2024 for you to use next year.

If you then cancel the card before the second year annual fee is due – you’ve potentially scored eight lounge visits in your first card membership year (for your single S$194.40 annual fee).

Lounge visits can only be used by the principal cardholder, and unused visits do not carry over to the next calendar year. Terms and conditions are available here .

  HSBC Reward points expire

HSBC Reward points expire at the end of a 37-month period commencing from the month subsequent to the month in which such points were awarded.

That gives you three years and one month of validity. For example any points awarded in May 2023 will expire on 30th June 2026. Something to bear in mind with this card, especially once the (unknown) miles transfer fee kicks in next year.

  Other benefits

• Travel insurance Complimentary travel insurance coverage (including COVID-19) of up to US$100,000 for you and your family when you charge the full cost of your air ticket to the card. Full policy wording here .
• Mastercard Travel Rewards Cashback and discounts in-store and online at several retailers worldwide. Details here .
• Mastercard Priceless Specials A range of offers and benefits from Mastercard, like 3 nights for 2 at selected hotels. Details here .

HSBC has launched the TravelOne credit card in Singapore, which is a good general spend option with a typical earn rate for local spend (1.2 mpd) and arguably a more decent one than most cards offer for transacting in foreign currency (2.4 mpd).

While this clearly doesn’t eclipse specialised bonus 4 mpd or 6 mpd cards, as an uncapped general spend option it’s not a bad one .

The sign-up bonus of 20,000 miles for payment of the annual fee and a moderate spend in the first full calendar month after approval means buying miles at an attractive 0.97 cents each, and is also available to existing cardholders, plus there are up to eight lounge visits in your first card membership year – if you play it right.

The big benefit though is a myriad of new transfer partners across the main alliances, with more supposedly to come later this year, though this will only be truly useful if the list can be tapped by those holding other HSBC credit cards in Singapore – especially the 4 mpd Revolution card .

What do you think of the new HSBC TravelOne credit card? Let us know in the comments section below.

(Cover Photo: Shutterstock)

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Yahoo Finance

Is the hsbc travelone card the one and only travel card you need—moneysmart review 2023.

Let’s talk about the HSBC TravelOne card’s name—“Travel One”. It aims to be the 1 travel card you need. HSBC says so as well: “Unlock instant travel rewards and elevated travel experiences everywhere you go with the one and only travel card you need.”

But does the HSBC TravelOne card (literally) live up to its name? If I only have 1 travel card, I want good miles earn rates, low (or no!) annual fees, and a slew of travel benefits and privileges. 

Let’s take a look at how the HSBC TravelOne Card fares. We review the card’s earn rates, travel rewards, privileges, and more. 

See our credit card ranking rubric to find out how we rank credit cards.

HSBC TravelOne Card: Summary

HSBC TravelOne Card: Eligibility

HSBC TravelOne Card: Annual fees

HSBC TravelOne Card: Earn rates

HSBC TravelOne Card: Bonus earn categories

HSBC TravelOne Card: Rewards points redemption

HSBC TravelOne Card: Benefits and privileges

HSBC TravelOne Card: Sign-up promotion

Should I get the HSBC TravelOne Card?

Alternatives to the HSBC TravelOne Card

1. HSBC TravelOne Card: Summary

MoneySmart Exclusive

Online Promo

Instant Rewards Redemption

HSBC TravelOne Card

on Local Spend

on Foreign Currency Spend

Exclusive launch welcome gift till 31 Aug 2023. T&Cs apply

MoneySmart Exclusive:

Get  S$40 Cash via PayNow  when you apply through MoneySmart!

PLUS get  up to 20,000 Miles (in the form of 50,000 Rewards Points) from HSBC   when you pay the Card Annual Fee of S$194.40 (including GST), and spend a min. of S$800 in qualifying transactions!  T&Cs  apply.

Valid until 31 Aug 2023

More Details

Key Features

Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app

Accelerated earn rate: up to 2.4 miles for your spending

Travel privileges: Complimentary travel insurance coverage (including COVID-19), 4 x complimentary airport lounge visits for primary cardholders and more

Split flexibly: Split your purchases across a range of flexible tenors that suits your needs with HSBC Instalment Plans

Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel.

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

The HSBS TravelOne card is an entry-level air miles card that’s good for general spending. It doesn’t come with any bonus earn categories, but does come with a good mix of travel benefits and privileges. These include travel perks (such as cashback and discounts when you shop overseas) and travel protection in the form of complimentary travel insurance.

Back to top

2. HSBC TravelOne Card: Eligibility

Let’s first talk about who’s eligible for the HSBC TravelOne Card.

An entry-level miles card, the HSBC TravelOne Card has pretty typical age and minimum income requirements:

Age requirement: 21 years old

Minimum annual income requirements:

For Singaporean and PR salaried workers: $30,000

For Singaporeans and PRs who are self-employed or commission-based: $40,000

For foreigners: $40,000

3. HSBC TravelOne Card: Annual fees

The HSBC TravelOne Card comes with a pretty standard annual fee of S$194.40 . Generally, this is the standard annual fee for most entry-level credit cards, barring credit cards with $0 annual fee .

Of course, the annual fee doesn’t matter if a fee waiver is available. HSBC doesn’t say anything about the first year’s annual fee (you can always try your luck requesting a fee waiver !). However, they will waive the annual fee for the second year onwards if you spend over S$25,000 per year. That’s about $2083 per month.

4. HSBC TravelOne Card: Earn rates

Here’s a quick look at how the HSBC Travel One Card’s earn rates compare to other entry-level miles cards:

The HSBC TravelOne Card local spend earn rates are average at best —there are miles cards with lower local earn rates, such as the BOC Elite Miles World Mastercard , which clocks in at just 1 mile per dollar (mpd).

However, the HSBC TravelOne Card’s foreign spend earn rates are above average . The only other miles credit card out there with a comparable rate is the UOB PRVI MASTERCARD Miles Card, which comes with a $5 minimum spend caveat—you need to spend S$5 to earn UNI$6/2.4 miles.

5. HSBC TravelOne Card: Bonus earn categories

At its heart, the HSBC TravelOne Card is meant for everyday, general spending. That comes with 1 downside: it doesn’t have any bonus earn categories . These refer to specific spend categories with which you can earn a greater number of miles per dollar.

Bonus earn rates are miles credit cards are usually between 3 mpd to 10 mpd. Here are some examples:

Standard Chartered Journey Credit Card : 3 mpd on online transactions in Transportation, Grocery and Food Delivery Merchants categories

UOB PRVI MASTERCARD Miles Card : 6 mpd (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia, UOB Travel, and Agoda

Citi PremierMiles Card : Up to 10 mpd on online travel bookings via Kaligo and Agoda

DBS Altitude Visa Signature Card : Up to 10 mpd on hotel transactions at Kaligo (capped at S$5,000/month); up to 6 miles per S$1 on flight, hotel and travel packages at Expedia (capped at S$5,000/month)

Is it a big disadvantage that the HSBC TravelOne card doesn’t have bonus earn categories? We would say not necessarily. It really depends on if you’d spend more on those bonus earn categories in the first place. For example, if you don’t want to book via Kaligo, Expedia or Agoda, the Citi PremierMiles Card and DBS Altitude Visa Signature Card bonus earn rates are basically made defunct.

6. HSBC TravelOne Card: Rewards points redemption

HSBC rewards you with Rewards points for each dollar of your spending—they don’t just give you miles directly. Here’s a breakdown of the points earn rates:

2.4 miles (6 Reward points) per S$1 foreign spending

1.2 miles (3 Reward points) per S$1 local spending

The good news is that from now till 31 Dec 2023, HSBC won’t charge you any conversion fee for redeeming your points for air miles or hotel points. Usually, you have to pay an annual HSBC Mileage Programme fee of S$40, subject to GST.

On top of that, HSBC rewards redemptions are fast . According to HSBC’s TraveIOne Card page, they’ll complete redemptions for air miles and hotel points instantly or in 1 business day.

Do note that HSBC Reward points expire after 37 months . 3+ years sounds like a lot of time, but you know how these expiry dates can creep up on us without us realising—fellow points hoarders, you know what I mean.

Prefer a rewards system with points/miles that never expire? Consider the Standard Chartered Journey Credit Card for 360 Rewards Points that never expire, or the Citi PremierMiles Card for Citi Miles that never expire.

7. HSBC TravelOne Card: Benefits and privileges

Although the HSBC TravelOne Card doesn’t have any bonus point categories, it does come with a generous slew of travel benefits and privileges. Broadly, these fall into 2 categories: travel perks, and travel protection.

HSBC TravelOne Card travel perks

Airport lounge access : As the primary cardholder, you get 4 complimentary lounge visits per year to over 1,300 airport lounges around the world.

Travel rewards : With the HSBC TravelOne Card, you get to enjoy cashback and discounts when you travel and do your shopping overseas under the Mastercard Travel Rewards catalogue . These apply to both in-store and online merchants across over 25 countries, including Daimaru Matsuzakaya Department Stores in Japan and Bloomingdale’s in the United States. 

Mastercard Priceless Specials

: This is another MasterCard rewards programme that you get with the HSBC TravelOne card, but this one is a bit more upmarket. It offers privileged access to benefits across travel, culinary, shopping, sports, entertainment, and arts and culture.

HSBC TravelOne Card travel protection

Travel insurance : If you charge your air ticket (in full) to your HSBC TravelOne Card, you’ll get complimentary travel insurance coverage (including COVID-19) of up to USD100,000.

ID Theft Protection

: The HSBC TravelOne Card doesn’t just want to give you peace of mind while on holiday—it also aims to do so while you’re browsing and making purchases online. You can register for Mastercard ID Theft Protection to ensure your personal data is safe and secure, protecting you from identity theft and fraud. 

Checking travel and health restrictions : It is such a chore to check for travel and health restriction/documentation. The HSBC TravelOne gives you access to Sherpa, a travel advisory tool that tells you what Visa requirements, travel documents, and even if COVID-19 tests are needed prior to your trip. 

Hungry for more benefits? Even if you aren’t travelling, the HSBC TravelOne Card comes with a dining perk you can use right here in Singapore. You’ll get complimentary access to ENTERTAINER with HSBC , which comes with tons of 1-1 deals on dining, lifestyle and travel. These deals are available worldwide, but there are plenty to choose from locally too.

ALSO READ :  Best Food Discount and Rewards Apps in Singapore—Chope, Burpple, Entertainer & More

8. HSBC TravelOne Card: Sign-up promotion

From now till 31 Aug 2023, you can get up to 20,000 Miles (in the form of 50,000 Rewards Points) when you apply for the HSBC TravelOne Card.

The downside is that you need to pay the card’s annual fee of S$194.40 (GST already included), as well as spend at least S$800 in qualifying transactions within 1 month. Depending on your lifestyle, this minimum spend could be easily doable, or a tall order.

9. Should I get the HSBC TravelOne Card?

If you’re looking for a general spending travel card (that means no bonus earn categories!), the HSBC TravelOne Card is a decent choice. Its earn rates are average or slightly above average (especially when it comes to foreign spending), and we like that you earn Rewards points per dollar spent. For some other cards with similar earn rates, you need to spend say $5 before you chalk up any points. This means that the HSBC TravelOne Card can help you earn points on even the smallest purchases.

Don’t forget that the HSBC Reward points expire after a 37-month period. This could be a pro or a con, depending on how much of a points hoarder you are.

The HSBC TravelOne Card does live up to its name as the 1 and only travel card you’ll need…if you’re looking for a general spending miles card. We suggest you get the HSBC TravelOne Card if you want a general spend card, if you value travel benefits, and if you’re looking for a higher than average earn rate for foreign spending. This card isn’t for you if you want a high bonus earn rate on selected categories, or if you want miles that never expire. 

10. Alternatives to the HSBC TravelOne Card

Here are some other entry-level miles cards for you to consider. These rewards points/miles never expire:

Standard Chartered Journey Credit Card : This card rewards you with a bonus earn rate of 3 miles for online transactions on transport, food delivery, and groceries. The best part is that the 360 Rewards Points you earn never expire.

Annual Fee Waived | NOTHING GIVEAWAY

Standard Chartered Journey Credit Card

for every S$1 spend on Transportation, Food Delivery & Online Grocery merchants. Capped at 3,000 Miles in a statement cycle

for all Eligible Foreign Spends

for all Eligible Local Spends

Earn up to 35,000 Miles when you meet the eligible spends AND have your first year Annual Fee waived when you sign up for the Journey Credit Card. T&Cs apply. OR, earn up to 45,000 Miles when you meet the eligible spends and pay your card's first year Annual Fee when you sign up. Click here to apply.

Valid until 30 Sep 2023

Up to 3 miles for every $1 spent

2 complimentary visits to Priority Pass lounges around the world each year

S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023

Complimentary travel insurance coverage of up to S$500,000.

360 Rewards Points do not expire

S$10 off Grab rides to or from Changi Airport

Citi PremierMiles Card : Citi Miles never expire! Plus, earn up to 10 miles per $1 spent on selected hotel bookings. 

Faster Gift Redemption

Citi PremierMiles Card

Local Spend

All Foreign Currency Spend including Retail and Online

Selected Online Hotel Bookings

Get  an Apple iPad Wi-Fi, 64GB 9th Gen  (worth S$503.65) OR a  Nintendo Switch OLED Gaming Console  (worth S$579) OR a  Sony WH-1000XM5 Wireless Noise Cancelling Headphones  (worth S$575) or  S$300 Cash via PayNow  when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date.  T&Cs  apply

S$1 = 1.2 Citi Miles on Local spend (no min. spend)

S$1 = 2 Citi Miles on Foreign currency spend

Annual Fee Applies

Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee

Citi Miles never expire

Priority Pass™ membership gives you access to more than 600 airport lounges twice a year

Priority Pass membership is on application basis and is reserved for the Principal cardmember only, limited to 2 complimentary visits per calendar year

Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage

With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

OCBC 90 N Card : Travel$ never expire. You’ll also get up to 7 miles per $1 spent on Agoda accommodations worldwide.

Earn Miles That Don't Expire

OCBC 90°N Card

on Agoda accommodations worldwide

on Foreign Currency spend

on Local spend

Get a  Samsung M5 27-inch Smart Monitor  (worth S$554) OR a  Harman Kardon Aura Studio 3 Bluetooth Speaker  (worth S$405) OR an  Apple AirPods 3rd Gen  (worth S$261.40) or  S$250 Cash via PayNow  when you apply and spend a min. of S$500 in Eligible Transactions!  T&Cs  apply.

Valid until 18 Aug 2023

1.3 Travel$ with every S$1 spent on Local Currency

Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.

Check out and easily compare the other air miles credit cards in Singapore .

P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Don’t miss our ultimate list of credit card reviews  for the low-down on credit cards in Singapore.

Found this article useful? Share it with a fellow traveller considering a miles card!

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Original article: Is the HSBC TravelOne Card the One and Only Travel Card You Need?—MoneySmart Review 2023 .

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HSBC TravelOne Card offering 20,000 miles sign-up bonus

Sign-up for a new HSBC TravelOne Card and get 20,000 bonus miles, with an additional gift for applicants via SingSaver.

HSBC has launched the HSBC TravelOne Card, its first entry-level miles card. Cardholders can look forward to 12 airline and hotel transfer partners (with more to come by the end of 2023), instant or <1 business day conversions with no admin fees, and four complimentary lounge visits. 

There’s also a 20,000 miles sign-up offer that’s good for both new and existing HSBC cardholders, with a minimum qualifying spend of just S$800. On top of this, SingSaver is offering an additional sign-up gift for new HSBC cardholders who apply via its website. 

HSBC TravelOne Card sign-up offer

New-to-bank only.

New-to-bank cardholders who apply for a HSBC TravelOne Card till 31 August 2023 will receive a S$30 from SingSaver upon submitting their approval email to [email protected]

However, if you’re a new-to-bank cardholder, a better option might be to apply for a HSBC Revolution Card first to get:

• S$150 cashback with S$1,000 min. spend (from HSBC)

After that, you can apply for the TravelOne Card as an existing cardholder and still get the 20,000 bonus miles mentioned below. 

New-to-bank & existing

Both new-to-bank and existing HSBC cardholders who apply for a HSBC TravelOne Card from 11 May to 31 August 2023 will receive 20,000 bonus miles  (in the form of 50,000 HSBC points) when they:

• Pay the annual fee of S$194.40
• Spend at least S$800 during the qualifying spending period
• Opt-in for marketing communications during the sign-up process

The qualifying spending period is as follows:

New-to-bank cardholders can think of the S$30 as a further subsidy of the annual fee, which reduces the cost per mile to 0.82 cents ([S$194.40-S$30]/20,000 miles)

Application steps

• Apply via the links in this article
• Complete the SingSaver Rewards Redemption Form that is sent to your email, within the first 14 days of application. Ensure that the name, mobile number and email address submitted to SingSaver are the same as that used in the credit card application
• Provide HSBC with your consent to receive marketing and promotional materials, and do not revoke it before the gift is fulfilled
• Once you receive a card approval email from HSBC, forward it to [email protected]

I want to highlight step (3) in particular, because this is a condition unique to HSBC. You must provide marketing consent in order to have either gift fulfilled (SingSaver’s or HSBC’s).

Qualifying Spend

Singsaver gift.

No minimum spend required for the SingSaver S$30 cash.

A minimum qualifying spend of S$800 must be made during the qualifying period. 

“Qualifying Spend” refers to any retail transactions (including internet purchases) excluding the following: 

The key exclusions to note here are insurance, utilities, education, government transactions as well as CardUp/ipaymy. These were all excluded from 1 July 2020 onwards as part of HSBC’s revised rewards terms and conditions.

Gift Fulfilment

Gifts will be fulfilled within two months of application. 

HSBC 20,000 miles

Bonus miles (in the form of HSBC points) will be credited within 90 days from the card opening date, provided the eligibility criteria is met.

Overview: HSBC TravelOne Card

The HSBC TravelOne Card has a minimum income requirement of S$30,000, and an annual fee of S$194.40

Cardholders earn:

• 3X HSBC points per S$1 (1.2 mpd) on local spend
• 6X HSBC points per S$1 (2.4 mpd) on foreign currency spend

There is no minimum spend required, nor cap on the points that can be earned.

HSBC points earned on the HSBC TravelOne Card expire after 37 months , same as other HSBC credit cards.

Conversions can be done via the HSBC Singapore app ( Android | iOS ) and are processed “instantly or within one business day” (except Accor, which takes five business days). All conversion fees will be waived until 31 December 2023.

A total of 12 airline and hotel partners are currently available, a list that HSBC says will grow to more than 20 by the end of 2023.

The HSBC TravelOne Card is offering a 20,000 miles sign-up bonus for both new and existing customers that’s valid for applications by 31 August 2023. On top of this, new customers who apply via SingSaver can get an extra gift of S$30 cash.

Remember to submit your approval email to SingSaver as soon as you get it, and fill out the rewards redemption form in order to get your reward.

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Uob offering apple homepod mini welcome gift for new supplementary cardholders, maybank cards spend & redeem promo: get luggage or accor plus explorer membership, 12 comments.

If I am not NTB, no reason to apply thru the links on the site?

The incentive is you get more content on this free website, Patsy

Can the sign up bonus points of 50,000 HSBC points from the HSBC TravelOne card be pooled with HSBC Revo points?

Unfortunately not.

Can pair with Amaze?

Am also curious about this, though I don’t see why not

amaze is not on the exclusions list for hsbc

If hsbc doesn’t give 10k miles for 2nd year renewal. It doesn’t make sense to even hold the card after sign up bonus. Just redeem 20k miles then abandon it as the earn rate is so slow. Only good is instant transfer and dragonpass.

For a “travel” card, it’s odd there aren’t any special earn rates for airfare / hotels. 1.2/2.4 mpd is nothing to write home about 🤷‍♂️

Currently using DBS Live Fresh card. Thinking of getting HSBC – in your opinion, is it better to start with Revolution or T1? Gonna use it to get US plane tix and pay for groceries etc. so don’t want to have too many cards

start with Revo- see my latest post for why. you get more of a sign up offer

Does the annual fee of S$194.40 included in the S$800 qualifying spend?

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