We are excited to launch a brand new Personal Loan page on 30 th December 2020!

Stay tuned for an awesome experience with us.

Kami ingin mengumumkan pelancaran laman baru untuk Pinjaman Peribadi pada 30 Disember 2020!

Nantikan pengalaman yang menarik bersama kami.

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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!!

Guaranteed Gift!!

RM300 eWallet. Just apply for an HSBC Credit Card via iMoney.

* 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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16 May 2023

HSBC sets new benchmark for travel convenience with HSBC TravelOne Credit Card

HSBC has launched the HSBC TravelOne Credit Card in partnership with Mastercard. The card is a game changer for travel, as it is the first in the market that allows cardholders to instantly redeem their travel rewards with selected leading airlines and hotel chains via the HSBC mobile banking app.

Taylan Turan, Group Head of Retail Banking and Strategy, HSBC Wealth and Personal Banking (WPB) said: “Customers tell us they want flexibility, incentives and discounts when they travel. We’re bringing them exactly that by allowing our customers to redeem reward points instantly on our mobile banking app, converting their points with an extensive selection of the world’s leading airlines and hotels.

“Our ambition is to deliver products and services which meet the needs of our growing customer base in Southeast Asia. As part of this, we are doubling down on developing new digital capabilities that match the variety of their borrowing needs, as well as benefits they can use and enjoy instantly. The HSBC TravelOne Credit Card is a key part of our plans to grow our unique cross border international franchise, through offering a multi-market travel card in partnership with Mastercard.”

Beena Pothen, Country Manager for Malaysia and Brunei, Mastercard said: “Mastercard is excited to partner with HSBC to offer customers innovative payment solutions that cater to their unique lifestyles. With travel back after a long hiatus, the launch of the HSBC TravelOne Credit Card with its travel benefits and exclusive privileges, is well-timed. By enabling customers to instantly redeem their rewards via the mobile app while ensuring secure transactions anywhere at any time, the HSBC TravelOne Credit Card will provide frictionless and safe travel experiences for Malaysian cardholders when travelling around the world or closer to home.”

A card that rewards you, in the most convenient way

The HSBC TravelOne Credit Card is designed with customer convenience at the forefront. Not only does it offer instant redemption of reward points, it also allows customers to earn up to 8x reward points for their eligible spending, and they can also enjoy travel privileges such as complimentary travel insurance coverage and airport lounge access.

Renee Bullock-Cann, Head of Wealth and Personal Banking, HSBC Malaysia said: “In Malaysia, economic growth for this year is expected to be anchored by domestic demand. Central to this is household spending which remains resilient supported by better labour market conditions. This sets the stage for a pickup in travel and leisure activities.

With the HSBC TravelOne Credit Card, we want to make travel a seamless process by offering our customers great deals, in the most hassle free and convenient way. It opens up a world of opportunity for our customers to travel the world freely.”

Key features of the HSBC TravelOne Credit Card include:

  • Instantly convert reward points to airline miles at leading airlines such as Malaysia Airlines, AirAsia, Singapore Airlines, Etihad, Cathay Pacific and many more.
  • Instantly transfer reward points to top hotel chains in the world such as Marriott Bonvoy, IHG One Rewards and Wyndham Rewards.
  • Both Primary and Supplementary Cardholder are also entitled to 6 times (combined) complimentary airport lounge access per year at 7 Plaza Premium Airport Lounges (KLIA, Singapore Changi Airport and Hong Kong International Airport).
  • Complimentary travel insurance up to USD250K (including travel medical, travel inconvenience – flight delay, baggage delay, baggage loss, COVID coverage etc.). Registration with Mastercard is required to enjoy this privilege.
  • Flexible Instalment Plans that suits the needs of cardholders.
  • Notch Design that signals the correct end to insert into card readers and ATMs as part of Bank’s commitment to inclusivity.

For new to or existing HSBC Malaysia customers, HSBC TravelOne Credit Card is available at all HSBC branches nationwide (excluding HSBC Amanah), or can be applied online via www.hsbc.com.my/TravelOne Visit our website for more info and the applicable terms and conditions.

Media enquiries to:

Supriya T Surendran +6012 272 8648 [email protected]

Note to editors:

HSBC Malaysia HSBC's presence in Malaysia dates back to 1884 when the Hongkong and Shanghai Banking Corporation Limited established its first office in the country on the island of Penang, with the permission to issue currency notes. HSBC Bank Malaysia Berhad was locally incorporated in 1984 and is a wholly-owned subsidiary of The Hongkong and Shanghai Banking Corporation Limited, founding member of the HSBC Group. In 2007, HSBC Bank Malaysia was the first foreign bank to be awarded an Islamic banking subsidiary licence in Malaysia, namely HSBC Amanah Malaysia Berhad. HSBC Malaysia offers a comprehensive range of banking and financial services including Islamic financial solutions. HSBC Malaysia has also led innovation in Malaysia by introducing Malaysia’s first ATM and Electronic Touch Banking in the early 1980s. Today, HSBC Malaysia has launched innovative solutions such as HSBCnet for secure banking for businesses, Trade Transaction Tracker and Facial Recognition on supported mobile phones.

The Hongkong and Shanghai Banking Corporation Limited The Hongkong and Shanghai Banking Corporation Limited is the founding member of the HSBC Group. 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.

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Review: HSBC TravelOne Card

Aaron Wong

21 transfer partners, free instant conversions, small conversion blocks and up to 8 lounge visits in the first year are held back by a glacial earning pace

Here’s The MileLion’s review of the HSBC TravelOne Card, which shook up the miles game when it launched back in May 2023 with 12 transfer partners, instant free conversions, and a generous lounge benefit. It was probably the most competitive general spending card  we’d seen in a long while, but it lacked one key feature: points pooling. 

HSBC has finally addressed that issue, and that’s not all- the transfer partner list has grown to 21 (though not every partner offers competitive conversion ratios), and free transfers have been extended till 31 January 2025 (after which it remains to be seen whether HSBC introduces an absurdly-expensive 10,000 points conversion fee ).

So does that make the TravelOne Card an essential addition to your wallet? In the first year, with the welcome offers and “additional” lounge visits (derived from tapping the second calendar year’s entitlement; more on this later in the post), almost certainly yes.

From the second year onwards, however, it’s not so straightforward. The TravelOne still suffers from a relatively anemic earn rate, which coupled with the exclusion of bill payments services like CardUp or ipaymy, means it’ll take a very long time to earn those free flights.  And with HSBC making annual fee waivers tricky, I’m not convinced everyone needs to stay on the carousel. 

Overview: HSBC TravelOne Card

Let’s start this review by looking at the key features of the HSBC TravelOne Card.

Fun fact: the HBSC TravelOne Card continues the trend towards “portrait-style” credit cards, designed vertically instead of horizontally. This supposedly allows for a smoother user experience, as it mimics how customers typically handle their cards when they tap to pay or dip the card into a chip reader. It’s even got a notch at the bottom, a thoughtful touch that’s designed as an accessibility feature for the visually-impaired (so they know which end they insert into the card reader).

But Apple and Google Pay wallets don’t support vertical card faces yet, so if you add it to your phone you’ll see the secondary design that HSBC created, in landscape.

hsbc travel card malaysia

Despite its silver Mastercard logo, do note that the HSBC TravelOne Card is a World Mastercard and not a World Elite Mastercard.

How much must I earn to qualify for a HSBC TravelOne Card

dbs altitude income requirement

The HSBC TravelOne Card has an income requirement of S$30,000 p.a. , the MAS-mandated minimum to hold a credit card. 

If you do not meet the minimum income requirement, you may apply for a secured version of this card by depositing at least S$10,000 in a fixed deposit account. The application form can be found here.

How much is the HSBC TravelOne Card’s annual fee? 

The HSBC TravelOne Card has an annual fee of S$196.20 for principal cardholders, though a first year fee waiver is available for those who don’t want to take advantage of the welcome offer (see below).

In subsequent years, the annual fee can be waived with a minimum spend of S$25,000 in the previous membership year. Now, it’s unclear just how strictly HSBC enforces this requirement. I managed to get an annual fee waiver despite spending nowhere near this amount. However, there are data points from other MileChat community members who weren’t so lucky. It’s probably best you assume that a fee waiver from the second year onwards is not possible, so anything else turns out to be a bonus.

If you fail to get a fee waiver, paying the second and subsequent years’ annual fees gets you 10,000 miles. 

All supplementary cards are free for life.

What sign-up bonus or gifts are available?

Customers who apply for a HSBC TravelOne Card via HSBC by 31 August 2024 will receive  30,000 bonus miles (in the form of 75,000 HSBC points) when they:

  • Pay the annual fee of S$196.20
  • Spend at least S$500 by the end of the month following approval
  • Opt-in for marketing communications during the sign-up (don’t forget this step- it’s just as important as the first two)

This offer is valid for both new and existing HSBC cardholders.  The only criteria is that you must not have cancelled a HSBC TravelOne Card in the past 12 months. 

30,000 miles for S$500 spend and a S$196.20 annual fee is a tidy return; put it another way, you’re paying about 0.65 cents per mile (S$196.20/30,000 miles), which is a great price especially when you factor in transfer partner variety. 

The terms and conditions can be found here.

Alternatively, applicants can choose to receive a first year fee waiver, with no bonus miles awarded. 

Customers who apply for a HSBC TravelOne Card via SingSaver can choose from one of the following gifts:

  • Dyson Supersonic hair dryer
  • Apple iPad 10th Gen 10.9″ WiFi 64GB
  • Apple Watch Series 9
  • S$400 eCapitaVoucher
  • 27,000 Max Miles

Applicants must:

  • Spend at least S$1,000 by the end of the month following approval

The minimum spend here is higher than the HSBC offer, but assuming that’s not an issue, the reward can potentially be more lucrative too. 

For avoidance of doubt, the HSBC and SingSaver offers are mutually exclusive. You cannot enjoy both at the same time.

How many miles do I earn?

Sgd/fcy spend.

HSBC TravelOne Card cardholders will 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

These are among the highest earn rates for any general spending card in Singapore, especially when you consider HSBC’s relatively favourable rounding policy (more on that below).

All FCY transactions are subject to a 3.25% fee, which is par the course for the market.

With a 2.4 mpd earn rate and a 3.25% FCY fee, using the HSBC TravelOne Card overseas represents buying miles at 1.35 cents apiece.

There is also the option of pairing the HSBC TravelOne Card with Amaze in order to enjoy better conversion rates, but you’ll earn 1.2 mpd instead of 2.4 mpd in that case since transactions will be converted into SGD.

Bonus Spend

Unfortunately, the HSBC TravelOne Card does not have a bonus earn category, so those who want to rack up miles quickly will need support from the HSBC Revolution , and its higher earning power of up to 4 mpd.

When are HSBC Rewards Points credited?

HSBC Rewards Points are credited when the transactions posts, usually in 1-3 days.

How are HSBC Rewards Points calculated?

Here’s how you can work out the HSBC Rewards Points earned on your HSBC TravelOne Card.

The minimum spend required to earn points is S$0.25 (SGD) and S$0.10 (FCY) respectively.

This means that the HSBC TravelOne Card (1.2 mpd) can outperform the ostensibly higher earning UOB PRVI Miles Card (1.4 mpd) in certain circumstances, depending on transaction size. 

If you’re an Excel geek, here’s the formulas you need to calculate points: 

HSBC provides transaction-level points breakdowns, which can be found on the HSBC mobile app. To view this, login to the HSBC mobile app and tap on your HSBC TravelOne Credit Card > View More > Redeem Your Points

hsbc travel card malaysia

On the next screen, tap ‘Show points history’, and you’ll see a breakdown of points earned per transaction. 

hsbc travel card malaysia

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

  • General Spending Cards
  • Specialised Spending Cards

What transactions aren’t eligible for HSBC Rewards Points?

A full list of transactions that do not earn HSBC Points can be found in the T&Cs (at Point 3).

I’ve highlighted a few noteworthy categories below:

  • Charitable Donations
  • Government Services 
  • GrabPay top-ups
  • Professional services providers (e.g. Google & Facebook Ads, AWS)
  • Real Estate Agents & Managers

HSBC also excludes CardUp, ipaymy and RentHero transactions from earning points. In a way, this does compound the problem of the lack of a bonus category, since you couldn’t even buy additional HSBC points via these payments services if you were so inclined. 

What do I need to know about HSBC Rewards Points?

HSBC Points expire at the end of 37 months  following the time they were earned.

For example, any points awarded in August 2022 will expire on 30 September 2025.

Back in May 2024, HSBC added points pooling to its cards, bringing them all onto the same platform. 

Therefore, if you have 10,000 HSBC Points on the HSBC TravelOne Card, and 15,000 HSBC Points on the HSBC Revolution Card, you can redeem a combined balance of 25,000 HSBC Points.

Do note that even though HSBC Points pool, you will lose any unutilised points if you cancel a card. Be sure to cash them out before cancelling.

Transfer Partners & Fees

The HSBC TravelOne Card launched with 12 airline and hotel partners, a number that has now increased to 21. This is by far the most programmes offered by any bank in Singapore.

The catch is that not all partners share the same transfer ratios. With airlines, for instance, the ratio ranges from 25,000-50,000 points : 10,000 miles.

This is important, because the TravelOne Card’s advertised earn rates of 1.2/2.4 mpd only apply if you choose a partner with a 25,000 points : 10,000 miles ratio. The earn rates drop as the transfer ratio worsens, going as low as 0.6/1.2 mpd at the other end of the spectrum. 

Cardholders will need to convert a minimum of 10,000 miles . However, the subsequent conversion block drops to just 2 miles after that, which means you could convert 10,002 miles, or 200,006 miles for instance. That’s great, because it helps avoid the problem of orphan miles. So long as you keep at least 10,000 miles in your account, you can cash out your entire balance with almost no miles left behind. 

All conversion fees are waived till 31 January 2025.

Transfer Time

All HSBC points transfers are processed instantly, with the exception of:

  • Club Vistara (5 working days)
  • Hainan Airlines Fortune Wings Club (5 working days)
  • JAL Mileage Bank (10 working days)

Other card perks

Four complimentary lounge visits.

Principal HSBC TravelOne Cardholders enjoy four complimentary lounge visits per year, provided via DragonPass.

Allowances are awarded by  calendar year , which means you basically enjoy eight visits in your first membership year. For example, if your card is approved in June 2024, you will be awarded:

  • On date of approval: 4 visits (expires 31 December 2024)
  • On 1 January 2025: 4 visits (expires 31 December 2025)

Allowances cannot be rolled over to the following year, so be sure to fully utilise your visits by the end of the calendar year.

Here’s how to start enjoying the benefit:

  • Step 1: Download Mastercard Travel Pass app ( Android | iOS )
  • 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 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

hsbc travel card malaysia

Four visits is relatively generous for an entry-level credit card, double what most of the competition is offering. The main catch is that these visits cannot be shared with a guest. 

Entertainer with HSBC

HSBC TravelOne Cardholders receive a complimentary ENTERTAINER with HSBC app membership, which includes:

  • 1-for-1 dine-in offers at more than 150 merchants across Singapore, including Sushi Jiro @ PARKROYAL COLLECTION, Bangkok Jam, Paul Bakery and more
  • 1-for-1 takeaway offers at more than 50 merchants including Canadian 2 For 1 Pizza, Andersen’s of Denmark and more
  • Up to 50% off leisure, attraction and wellness offers at BOUNCE Singapore, Spa Infinity, Virtual Room and more
  • 1-for-1 stays in rooms at over 175 hotels around the world

You’ll need an activation key to start using your ENTERTAINER membership. This should have been emailed to you; if not you’ll need to call 1800 4722 669 to get it from customer service.

Complimentary travel insurance

HSBC TravelOne Cardholders receive complimentary travel insurance when they:

  • Use their TravelOne Card to purchase air tickets, or
  • Use their TravelOne Card to pay for the taxes and surcharges on a ticket redeemed with airline miles

This provides coverage of S$75,000 for accidental death, S$150,000 for overseas medical expenses, S$1 million for emergency medical evacuation, as well as coverage for travel inconveniences like flight delays and lost luggage.

Do note that there is no coverage for personal liability or rental vehicle excess, so you may need to purchase supplementary coverage if this is important to you.

Summary Review: HSBC TravelOne Card

The HSBC TravelOne Card is a tale of two halves.

In the first year, it’s excellent value, with S$196.20 getting you 30,000 bonus miles (or other welcome gifts, if you apply via SingSaver), and eight lounge visits. 

Those 30,000 miles can be transferred to 21 partners (though not all will be worth considering), and thanks to the 2 mile conversion blocks, you’ll have close to zero orphan miles, even after accounting for the base miles earned on the minimum spend (600, based on S$500 @ 1.2 mpd). You’ll have no conversion fees to worry about, and conversions to most programmes are instant.

From the second year onwards, however, it’s a lot more marginal. Your S$196.20 fee basically gets you 10,000 miles and four more lounge visits- basically 50% of the first year’s value proposition. Not everyone will be keen on springing for that, and if a fee waiver isn’t offered, you might find a better use for your money elsewhere.

What’s really missing from the TravelOne is a bonus category, a way to help cardholders accelerate the earning of valuable HSBC points. The HSBC Revolution can only do so much heavy lifting, with its 4 mpd rate capped at S$1,000 per month, so it’d be good to see TravelOne Cardholders getting a leg up too. 

What do you make of the HSBC TravelOne Card?

  • card review
  • credit cards

Aaron Wong

Similar Articles

Roundup: credit card sign-up bonuses (july 2024), ocbc offering up to 70% transfer bonus to marriott bonvoy, 18 comments.

guest

anyone know if AXS pay+earn also contributes to the $800 spend offer?

Milelion Fan

Hi Milelion! Thanks for the solid write-up. By the way, in the above section “What sign-up bonus or gifts are available?”, the minimum qualifying spend seems to have increased to SGD1,000, from SGD800. As it is mentioned in HSBC’s “Terms and Conditions for the HSBC TravelOne Credit Card Sign up Promotion for 1 September 2023 to 31 December 2023”. Raising this up to prevent confusion among readers. Cheers~

Aaron Wong

thanks! will get that updated.

Sean

When will the TravelOne card annual fee for the bonus points be charged? I don’t see the annual fee showing on my statement yet after 2 months. If so how do I qualified for the bonus points? Any Idea?

deadpool

hi Milelion, would u be in the know on whether the pooling would still happen by year end (aka 123123)?

i don’t have any info on this at the moment.

anonymous

Hi Aaron, this is a great article! Quick questions for the EGA cashback eligibility, referring to HSBC EGA T&C art 5a (i)

Eligible Customers shall receive a cashback of 1% of the spend amount for successful posted: (i) transactions (excluding Excluded Transactions) in SGD made with a HSBC personal Credit Card

From above T&C, it seems only transactions in SGD are eligible for 1% cashback, not the FCY transactions. Kindly advise. Thank you!

Dennis C

Aaron, I think there’s something missing from your review: HSBC T1 is, in a vacuum, technically, the best non-SGD general spend card in the market, because it earns the same non-SGD rate as UOB PRVI Miles and it has much better rounding. This is currently irrelevant because you only get orphan miles, but it would become useful if T1 and Revolution miles suddenly pool. If you took Milelion advice and got T1 for the signup bonus miles, should you cancel the card then consider reapplying if pooling is implemented? In practice, most people will still get UOB PRVI Miles because …  Read more »

So is there any reason to use the T1 (assuming you get a fee waiver from heavy Revolution use) instead of the UOB PRVI Miles or Citi Premier Miles as your general spend card given the better transfer partners and pooling with Revolution?

Probably moot if your CardUp spend gets you a DBS Vantage fee waiver

Actually, need to consider if T1 is the better overseas general spend card

Jen

Why bother & the fuss about annual fee waiver when you can afford? 🙄

Lame response to lame question

Why bother using a credit card when you can afford to pay off your flight tickets using cash?

Bryan Sim

Understand from Mile Lion that the 2nd year fee waiver is near impossible to waive, same experience when I called HSBC as well. Any lucky few managed to waive 2nd year annual fee and what reason did you give? HSBC told me needed to spend 25k in one year to get it waive.

S B

The table at the top of the article still says points don’t pool – needs to be updated!

yes, that will be updated in the 2024 version.

Javen

Surprisingly, I’m still receiving the 1% Everyday+ Cashback of all my HSBC CC spending after 2 May. Is that a lucky bug?

yes. enjoy it while it lasts.

HRX

AirAsia conversion seems to be 12500:10000, worth it to convert?

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The 5 Best Travel Credit Cards in Malaysia

CompareHero.my Team

CompareHero.my Team

hsbc travel card malaysia

Let's look at the details of each travel credit card and how they can be your perfect travel companion. 

😍 HSBC TravelOne Credit Card

Here's a card that doesn't just reward you, it helps keep you safe when you travel. It offers an instant cash advance option. You'll be able to cash out with any ATM worldwide within 24 hours in cases of emergencies where credit cards are not accepted. Additionally, the card comes with a generous complimentary travel insurance coverage, up to $250,000.

Avid traveler will love the instant redemption option, available for a wide range of airlines and hotels via the HSBC Malaysia Mobile Banking app.

Apart from being able to claim reward points from hotels and airlines, you can gain points from overseas spending too. 

Main benefits:

  • Reward points for a wide range of local and international travel and dining including up to 8X points for overseas spend and 5X points for local travel and dining spend.
  • Complimentary travel insurance coverage of up to USD250,000 in travel insurance coverage (including travel medical, travel inconvenience – flight and baggage delay, baggage loss, COVID coverage, etc).
  • 6X Complimentary access to participating Plaza Premium Lounges worldwide per year.

Untitled design-1

🌴UOB PRVI Miles

The UOB PRVI Miles Credit Card is the perfect card for those who love collecting points. The card rewards you with UNIRinggits (UNIRM) for your spending.

This includes instances when you need to make travel agency bookings, which aren't found with many other cards. 

The 50% discount on Grab rides offered by this card is bound to come in handy for  airport transfers and for domestic trips too. 

  • Earn 5X UNIRM reward points on overseas, hotel, airline and travel agency spend to redeem as you please
  • Get a 2,000 UNIRM bonus when you make a retail spend at least 3X per month (minimum spend applies and with limited redemptions).
  • 50% OFF on Grab Rides (up to RM10 off and with limited vouchers).

UOB PRVI Miles

🚢 Standard Chartered Journey Credit Card

Here's the card for those that want to travel in style. With the Standard Chartered Journey card, you'll be able to fully enjoy unlimited access to the comforts and amenities of the Plaza Premium Airport Lounge at both KLIA 1 and 2. Waiting for you flights will now be a luxury experience rather than a chore. 

Additionally, you can also save on travel expenses when you redeem Miles points, which rewards you for overseas spend too. Your savings will be further enhanced with complimentary Grab airport transfer and waiver of the first year annual fees .

  • Redeem 1 Mile for every RM 1 spent on dining, travel and overseas purchases. Travel spend includes airlines, hotels and online travel agencies.
  • Get 1 Mile for every RM5 local spend.
  • Unlimited access to KLIA, KLIA2 airport lounges.
  • Complimentary airport transfers via Grab.
  • Travel insurance coverage of up to USD100,000.
  • Complimentary E-Commerce Purchase Protection when you shop online with up to USD200 coverage.

✈️Alliance Bank Visa Infinite Credit Card

Here's a card that you can count on when you're in a pinch overseas. The Alliance Bank Visa Infinite doesn't just reward you for overseas spend, it provides you 24/7 support which will come in handy if you ever face any payment issues while travelling. 

Apart from that, you can enjoy flexible payment plans with 0% interest rates when you spend on flight tickets, hotel bookings and overseas purchases. This is bound to give you more room in managing your finances when planning a trip.  Main Benefits:

  • 8X TIMELESS BONUS POINTS on e-commerce and eWallet top-ups, which will never expire. 
  • 5X Timeless Bonus Points on overseas, groceries and dining spend.
  • 0% Flexi Payment Plan for Flight Tickets, Hotel & Overseas spend.
  • 2X Complimentary access to participating Plaza Premium Lounges worldwide.
  • 24/7 personalized assistance in dining, travel and entertainment at home or abroad!

AB Visa Infinite Banner -1

🚋 Hong Leong Sutera Platinum

The Hong Leong Sutera platinum is the best travel credit card in Malaysia for young adults and solo budget travelers. With its minimum income limit at RM3,000 this highly accessible card allows you access to various travel perks. 

Chief of these benefits is 8X reward points for online, overseas, groceries and dining spend. These reward points can then be used to redeem hotel and dining vouchers, as well as frequent flier miles. 

Hong Leong also covers you with up to RM1.7 million in terms of travel insurance if you're a card holder. 

HLB SUTERA BANNER

🌏CIMB Travel Platinum

This accessible card from CIMB comes with perks for everyday use, and not just for travel. Although it is a travel-centric card, you'll be able to own it with just a minimum monthly income of RM2,000. On top of that, it has ZERO annual fees, which is waived for life. 

Enjoy 5X Bonus Points for every RM1 spent on airlines and overseas transactions. Additionally, you'll get up to RM1 million travel insurance coverage and 4X complimentary access to Plaza Premium Lounge annually.

CIMB  Travel platinum BANNER

😁 Maybank Visa Infinite

For the luxury business traveller, there's the Maybank Visa Infinite, which is designed for those who need to travel frequently for work. Among the attractive features include access to both international and local golf clubs, and a Visa Airport Speed Pass at over 280 international airports, where you'll be fast-tracked at immigration. 

There's also 5X complimentary access to Plaza Premium Lounge, and various promotions and discounts at fine dining establishments. Earn up to 5X TreatsPoints on overseas spend and an annual fee waiver on the first year of use. 

In subsequent years, you'll enjoy free annual fees when you spend at least RM80,000 per year on the card.

Maybank Visa Infinite-1

The Bottom Line

As a frequent traveler, a travel-friendly credit card will give you plenty of perks and advantages. However, it's the savings you get when you redeem airmiles points that will truly make your trip worthwhile. 

At CompareHero, you'll see all our travel-centric credit cards on one platform. This lets you weigh your options and make more informed decisions as to which cards truly suit your travel style. 

If you're still unsure, find out more by contacting us and we'll help you along with any questions you may have.

The CompareHero.my team is comprised of many talented individuals, sharing their knowledge, experiences and research to help others make better financial decisions.

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Financial tip:, use a personal loan to consolidate your outstanding debt at a lower interest rate.

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  • HSBC Malaysia online banking

HSBC Live+ Credit Card

hsbc travel card malaysia

Live it up with extra cashback

Who says you can't have it all? With our HSBC Live+ Credit Card, you can spend on all the things you love… and earn cashback towards the things you've got your eye on. 

  • Find out more via your eWelcome Pack (PDF).   Find out more via your eWelcome Pack (PDF). This link will open in a new window

hsbc travel card malaysia

Our exclusive welcome gift to you

Choose between a Samsonite ZELTUS Spinner 69cm EXP with built-in scale, worth RM1,699 or up to RM250 cashback when you apply at a branch or selected roadshows.

Alternatively, apply online now and spend with it to enjoy eVouchers worth up to RM500.

Get up to 8% cashback on what you love

hsbc travel card malaysia

Live+ perks and privileges

The card that gets you more out of life.

Dine – in Malaysia and around Asia

Take a bite out of dessert, not out of your wallet. Heading out to the restaurants? We've got some pretty sweet dining deals – get a discount of 15% at over 200 restaurants across Asia through our curated Live+ Dining Programme. Plus, enjoy up to 8% cashback[@live-plus-bonus-cap] on dining.

  • Learn more   Learn more about dine in Malaysia This link will open in a new window

hsbc travel card malaysia

Shop – for yourself, family and friends

Stay on trend without breaking the bank. Whether you're treating yourself to retail therapy or buying gifts for your loved ones, we know here's a reward that will never go out of style – get up to 8% cashback[@live-plus-bonus-cap] on your shopping.

  • Check out shopping deals   Check out shopping deals This link will open in a new window

Fun – both on big and small screens

Sit back and enjoy some extra cashback. Whatever you're in the mood for, we've got offers you'd love to immerse yourself in – get up to 8% cashback[@live-plus-bonus-cap] on entertainment spending, plus more.

  • Earn cashback on your favourite streaming subscriptions such as Disney+, Netflix and Spotify
  • RM10 off at any GSC Cinema outlets every Saturday and Sunday from 1 July 2024 to 31 July 2025 – learn more

hsbc travel card malaysia

Life with even more perks

  • Unlock more offers at home and abroad Discounts on travel, shopping, dining and more with HSBC Smart Privileges – learn more .
  • Turn big buys into monthly instalments With a Balance Conversion Plan at a rate as low as 1.88% upfront for 6 months – learn more .
  • Enjoy exclusive privileges from Visa With a wide range of premium privileges from Visa – check them out .
  • Break down larger purchases flexibly With a 0% Card Instalment Plan, you can choose a tenure that suits you – learn more .

Good to know

Who can apply.

To apply for an HSBC Live+ Credit Card, you must:

  • Be aged 21 or above to be the primary cardholder, 18 or above to be a supplementary cardholder
  • Have a minimum annual income of RM60,000

Supporting documents 

Salaried employees.

If you're working for a multinational, public-listed, government or semi-government company or office, you'll need a photocopy of your MyKad (both sides). You'll also need any 1 of the following documents:

  • EPF statement – a PDF copy of the latest original non-password protected statement downloaded from the KWSP website or app
  • Bank statement – a PDF copy of the latest original non-password protected statement downloaded from online banking or a mobile banking app
  • Letter of confirmation from your employer, or your latest monthly salary slip if you've been employed for fewer than 3 months
  • Latest income tax return form (Form BE with tax receipt)

For all other companies, you'll need a photocopy of your MyKad (both sides). You'll also need any 2 of the following documents:

  • EPF statement – a PDF copy of the latest original non-password protected statement, or EPF statement from the last 2 years if your contribution has been fewer than 6 months, downloaded from the KWSP website or app
  • Bank statement – a PDF copy of the latest original non-password protected statement that shows your salary from over the last 3 months, downloaded from online banking or a mobile banking app
  • Monthly salary slip from the last 3 months

Self-employed

If you're self-employed, you'll need a photocopy of your MyKad (both sides). You'll also need a photocopy of your Business Registration Form showing that your business has been established for a minimum of 3 years. Plus, you'll need any 1 of the following documents:

  • Bank statement – a PDF copy of the latest original non-password protected statement from over the last 6 months, downloaded from online banking or a mobile banking app
  • Latest income tax return form (EPF Statement, or Form B with payment receipts or CP02 attached)

Foreign passport holders

If you hold a foreign passport, you must be working for a multinational, public-listed, government or semi-government company or office, or HSBC corporate lending employer. You must also have a minimum monthly income of RM10,000.

You'll need a copy of your passport showing your personal details and a work permit that's valid for at least 1 year. Plus, you'll need a letter of confirmation from your employer stating your position, remuneration and duration of employment. You'll also need any 1 of the following documents:

  • Bank statement – a PDF copy of the latest original non-password protected statement that shows your salary from over the last 3 months, as downloaded from online banking or a mobile banking app
  • Latest monthly salary slip

Important documents 

  • HSBC Live+ Credit Card eWelcome Pack (PDF, 5.3MB) HSBC Live+ Credit Card eWelcome Pack (PDF, 5.3MB) Download
  • Product disclosure sheet (EN) (PDF, 113KB) Product disclosure sheet (EN) (PDF, 113KB) Download
  • Product disclosure sheet (BM) (PDF, 141KB) Product disclosure sheet (BM) (PDF, 141KB) Download

lllustrative example of how you can earn cashback with Live+

*The base cashback forms part of the bonus cashback.

Apply online

You can apply for an HSBC Live+ Credit Card online in minutes and spend with it to enjoy eVouchers worth up to RM500[@live-plus-welcome-tcs].

Apply at a branch or selected roadshows

You can apply for an HSBC Live+ Credit Card at any HSBC Malaysia branch or selected roadshows and choose between a Samsonite ZELTUS Spinner 69cm EXP with built-in scale, worth RM1,699 or up to RM250 cashback[@live-plus-welcome-tcs].

You might also be interested in

Cash instalment plan  , balance transfer instalment  , credit card features  , mobile banking  , important notes, connect with us.

IMAGES

  1. Premier Travel Mastercard

    hsbc travel card malaysia

  2. TravelOne Credit Card

    hsbc travel card malaysia

  3. 9 Best Travel Credit Card In Malaysia To Elevate Your Flying Experience

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  4. HSBC Malaysia Launches New TravelOne Credit Card

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  5. Get HSBC TravelOne Credit Card

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  6. HSBC Malaysia Launches New TravelOne Credit Card

    hsbc travel card malaysia

COMMENTS

  1. TravelOne Credit Card

    Terms and conditions for the HSBC TravelOne Credit Card Programme apply. The additional Reward points are capped at a maximum of 20,000 additional Reward points for foreign currency spend; 10,000 additional Reward points for local travel spend (hotel, airlines and travel agencies); and 10,000 additional Reward points for local dining spend as ...

  2. Premier Travel Mastercard

    HSBC Premier Travel Credit Card, the best companion for your overseas travel with air miles rewards. eWelcome pack (PDF) By invitation only. Eligibility: Exclusively for HSBC Premier Elite account holders. A primary cardholder must be at least 21 years old with a minimum RM3,000,000 in total relationship balance with HSBC.

  3. Rewards

    How it works. Convert your points to rewards in the HSBC Malaysia Mobile Banking app. Log on to the app, select HSBC TravelOne Credit Card, then 'View more'. Choose 'Redeem points' and select Airline Miles, Hotel Points or Tree Planting. Enter your details, including your airline/hotel programme membership number where applicable.

  4. HSBC Malaysia Launches New TravelOne Credit Card

    16th May 2023 - 4 min read. HSBC Malaysia has launched a brand new travel credit card called the HSBC TravelOne. As a key differentiator, the card offers possibly the widest range of partner redemptions in Malaysia, covering a whopping 17 airlines and four hotel chains. The HSBC TravelOne credit card offers two major features that aims to ...

  5. PDF HSBC sets new benchmark for travel convenience with ...

    The HSBC TravelOne Credit Card is designed with customer convenience at the forefront. Not only does it offer instant redemption of reward points, it also allows customers to earn up to 8x reward points for their eligible spending, and they can also enjoy travel privileges such as complimentary travel insurance coverage and airport lounge access.

  6. Card Selection

    Unlock the world of travel freedom with HSBC TravelOne. ... Apply and transact with an HSBC credit card today & enjoy up to RM500 worth of eVouchers 1! Exclusively for new HSBC Visa Signature credit cardholders. ... Issued by HSBC Bank Malaysia Berhad (Company No. 198401015221 (127776-V)) and HSBC Amanah Malaysia Berhad (Company No ...

  7. HSBC TravelOne Credit Card

    Valid for the booking period until 31 December 2024, enjoy a 10% Agoda discount on worldwide hotel booking with your HSBC TravelOne credit card. The stay period validity is until 31 December 2025. Check out this Agoda page for more details and T&C. Quick rewards point redemption. One of the key features of the HSBC TravelOne Credit Card is the ...

  8. Take your travels to the next level with HSBC TravelOne Credit Card

    HSBC Malaysia has launched a new travel credit card, HSBC TravelOne. It is the first in the market that allows cardholders to redeem their travel rewards with 17 leading airlines and 4 hotel chains via the HSBC mobile banking app, instantly! Taylan Turan, Group Head of Retail Banking and Strategy, HSBC Wealth and Personal Banking (WPB) shared ...

  9. Compare and Find The Best HSBC Credit Card for You

    Compare all HSBC Malaysia credit cards and choose the best credit card with rewards, cash back, air miles and exclusive privileges. Anti-fraud measures. ... Existing HSBC Premier Travel Credit Cardholder: RM600 (1st year annual fee is waived, with all subsequent years are waived if total annual spending is RM45,000 or above) and for HSBC ...

  10. HSBC TravelOne Credit Card

    The HSBC TravelOne Credit card has the following fees and charges: RM25 for sales and service tax purposes. Late payment fee of 1% or a minimum of RM10 from the overdue amount, whichever is higher. Maximum is RM100.

  11. HSBC TravelOne Card

    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 ...

  12. HSBC Premier Travel Credit Card

    HSBC Premier Travel Credit Card This travel credit card earns you Air Miles for eligible spending categories, including a host of travel benefits and privileges brought to you by Mastercard. Product summary Min. Income RM3,000 /month Annual Fee Free* Balance Transfer From 0% p.a. Easy Payment Plan From 0% p.a. Interest Rate 15% p.a. Interest ...

  13. HSBC sets new benchmark for travel convenience with HSBC TravelOne

    The HSBC TravelOne Credit Card is a key part of our plans to grow our unique cross border international franchise, through offering a multi-market travel card in partnership with Mastercard." Beena Pothen, Country Manager for Malaysia and Brunei, Mastercard said: "Mastercard is excited to partner with HSBC to offer customers innovative ...

  14. HSBC Premier Travel Rewards Catalogue

    Please key in a Premier Travel Credit Card number. Expiry Date (mm/yy) * Please follow this format (mm/yy) Primary Card Holder Name * ... The redemption of any product in this catalogue is subject to HSBC Bank Malaysia Berhad's prevailing HSBC Rewards Programme Terms and Conditions. In particular, please note that the Bank makes no warranty ...

  15. This All-New HSBC TravelOne Credit Card Gives You Extra Freedom ...

    The HSBC TravelOne Credit Card allows you to: - Redeem instantly* with a wide range of airline and hotel partners around the world and make donations that will go towards sustainability (e.g. donate to plant a tree). - Earn accelerated points* on all your foreign currency spend, local travel, and dining spend to fast track your next trip. - Gain travel benefits with 6x international airport ...

  16. Review: HSBC TravelOne Card

    The minimum spend required to earn points is S$0.25 (SGD) and S$0.10 (FCY) respectively. This means that the HSBC TravelOne Card (1.2 mpd) can outperform the ostensibly higher earning UOB PRVI Miles Card (1.4 mpd) in certain circumstances, depending on transaction size. HSBC TravelOne Card. Earn Rate: 1.2 mpd.

  17. Apply for a Credit Card Online

    A minimum annual income of RM60,000 p.a. is required. Primary cardholder must be at least 21 years of age; supplementary cardholder must be at least 18 years old. Unlock a world of travel freedom with instant reward redemption with an extensive selection of airline and hotel partners. Apply and enjoy an online exclusive offer of up to 800,000 ...

  18. The 5 Best Travel Credit Cards in Malaysia

    Minimum monthly income RM2,000. Maybank Visa Infinite. 5X TreatsPoints for overseas spend. 5X access to Plaza Premium Lounge. Travel insurance coverage up to RM2 million. Up to 40% discounts on food and beverage spend, including selected hotels. Golf privileges around the world.

  19. HSBC Premier World Mastercard

    High Security Card with Free 24-Hour Manned Hotline. Your card comes with the most sophisticated levels of technology and processes to protect your privacy while preventing fraudulent transactions in case of loss or theft. If loss of card happens, Call us on: 1 300 88 1388 (local) or +603 8321 5400 (overseas).

  20. Best Travel Credit Cards in Malaysia 2024

    Low interest rates on easy payment plans. RHB World MasterCard Credit Card. Free. 15% p.a. RM6,666. Up to 6% cashback on travel, dining and petrol every month. Free 5X access to selected Plaza Premium Lounge in Malaysia. 20% discount at selected Plaza Premium Lounge overseas (Except Shanghai and Beijing)

  21. Enjoy a fuss-free trip

    Travel Care provides a comprehensive suite of coverage and Allianz's Authorised Representative's emergency hotline (+603-76283919 or +603-79653919) is available 24 hours a day to support you through any emergency you might face, so you and your loved ones can have a stress-free trip filled with beautiful memories.

  22. Live+ Credit Card

    You can apply for an HSBC Live+ Credit Card at any HSBC Malaysia branch or selected roadshows and choose between a Samsonite ZELTUS Spinner 69cm EXP with built-in scale, worth RM1,699 or up to RM250 cashback[@live-plus-welcome-tcs].