HSBC TravelOne Card

HSBC TravelOne Card

HSBC TravelOne Card

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Get a  Samsung 27-inch Smart Monitor M5  (worth S$432) or a  Nintendo Switch Lite  (worth S$309) or  S$300 GrabGifts Vouchers  or  S$250 Cash via PayNow  when you apply for an eligible HSBC credit card and spend a min. of S$500 from Card Account Opening Date to end of the following month . T&Cs apply.

hsbc travel one card lounge access

Are you eligible?

Promotion is valid from 20-January-2024 to 31-January-2024

Applicable for New-to HSBC cardholders only.

Customers need to apply through MoneySmart to be eligible

Applicants need to p rovide HSBC their consent to receive marketing and promotional materials from HSBC at the time of submitting their application.

What you need to know

Log into your MoneySmart account and submit your claim by 29th February 2024

Get a Samsung 27-inch Smart Monitor M5 (worth S$432) or a Nintendo Switch Lite (worth S$309) or S$300 GrabGifts Vouchers or S$250 Cash via PayNow when you apply and spend a min. of S$500  in Qualifying Transactions from Card Account Opening Date to end of the following month.

Please note that gifts will typically be fulfilled approximately 5 months after the end of the campaign month (31 January 2024).

MoneySmart exclusive rewards do not stack with external or third party promotions unless otherwise stated. See T&Cs for details.

*Instantly Activate Your Virtual Card for Google Pay and Apple Pay Shopping!  T&Cs  apply.

Quick Facts

Instant Rewards Redemption

Categories to maximise this card

What people use it for.

Frequent travellers who are looking for more flexibility & choices in redeeming miles and good earn rate

You are looking for a miles credit card with high earn rate and fast redemption

All 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.

Overseas Spending

Annual interest rate and fees, minimum income requirements, documents required, card association, wireless payment, moneysmart promotions.

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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hsbc travel one card lounge access

HSBC launches TravelOne credit card – with 9 frequent flyer partners

Andrew

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.

hsbc travel one card lounge access

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.

hsbc travel one card lounge access

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.

hsbc travel one card lounge access

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.

hsbc travel one card lounge access

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.

hsbc travel one card lounge access

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

hsbc travel one card lounge access

  • 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 travel one card lounge access

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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HSBC TravelOne Credit Card

  • Credit Cards

First Impressions: HSBC TravelOne Credit Card

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HSBC just announced their latest travel credit card offering, the HSBC TravelOne (T1) Credit Card.

This is probably one of the most exciting credit card launches in Singapore in recent years. There haven’t been many revolutions or improvements, even with the recent lacklustre launch of the DBS Vantage Card.

As such, when HSBC suddenly released their much-awaited travel card, many travellers (including us!) in Singapore were really excited about it.

This post is my first impression of the HSBC TravelOne Credit Card .

Sign up bonus

This bonus applies to both new-to-bank customers only! To be eligible for the promotion, you’ll need to activate and spend S$500 and pay the annual fee of S$196.20.

Miles Earn Rates

The HSBC TravelOne Card has a fairly standard travel credit card earning rate. It is comparable to other general spend cards in the market such as the DBS Altitude Card and the Citi Premiermiles Card.

Singapore Airlines A350-900 Business Class Configuration

Free Lounge Access

As a travel credit card, the HSBC TravelOne Credit Card provides complimentary lounge access via the DragonPass lounge membership (also known as the Mastercard Travel Pass).

The 4 yearly complimentary limit is much better than many of its counterparts. However, this limit only applies to the primary cardholder. Supplementary cardholders and guests have to purchase their lounge access through the mobile app.

The membership provided is DragonPass instead of the typical Priority Pass provided by other cards. The downside of this is that there are fewer lounges in the network.

In Singapore’s Changi Airport, you can access almost every lounge that Priority Pass members have access to. In addition, you can also access the Plaza Premium Lounge in Terminal 1 which is one of our favourite lounges in the terminal.

Instant Points Transfers

Perhaps the biggest selling point of the HSBC TravelOne Card is its ability to instantly transfer points to its various transfer partners. HSBC promises that points transfers will go through instantly or latest within 1 business day.

This can come in very useful whenever people are booking high in demand seats. Although I don’t think by itself, this perk is applicable to people most of the time.

Huge Range of Transfer Partners

Another big selling point of the HSBC TravelOne Credit Card is its huge number of transfer partners.

There is a lot of value in having a lot of travel transfer partners to choose from. The value of each mile in different loyalty programs varies widely. Different loyalty programs have different award availabilities, and sometimes you can get only book certain redemptions on one program and not on another.

For travellers who prefer luxury hotels to business class flights, the HSBC TravelOne also provides 3 hotel partners which is unheard of in Singapore.

From the initial list of partners, there aren’t any that stand out in particular in terms of great value. Hotel redemptions are also usually of lower value than flight redemptions. However, we remain hopeful while the list of partners expands as promised by HSBC.

Requirements

The HSBC TravelOne credit card has a typical “entry-level” credit card requirement.

For Singaporeans , a minimum of S$30,000 annual income. For foreigners or permanent residents, a minimum of S$40,000 annual income.

Our Thoughts

The HSBC TravelOne Credit Card is certainly an interesting new addition to the travel hacking space in Singapore. Its headline features are very intriguing and the benefits can really only be verified after using the card for a while.

However, I wouldn’t be using the card, in general, to earn miles as it doesn’t have the highest earning rates. For that, I’ll be using my trusty HSBC Revolution Card or the Citi Rewards Card .

Overall, I think that this is a good sign for what’s to come from both HSBC and the other banks!

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There are 4 comments.

can the annual fee be waived on first year?

Yes, you can request to have the annual fee waived. However, in that case you won’t be able to get the welcome bonus of 20,000 miles.

You wrote 4 lounge visits are also applicable guest but it’s only for cardholders.

Also, how does this compare with DBS Altitude? If I value different airlines I should definitely take the HSBC card, correct? And assuming we don’t need to guest any visits to the lounge. (Also ignoring the points expiry because we always use it before 3 years is up since miles devaluation can happen anytime)

Thank you for catching it! Yes, the 4 lounge visits by HSBC TravelOne are only applicable to primary cardholders.

I would say it really depends when comparing the DBS Altitude Card. Since DBS points can be pooled, and if you have the DBS Woman’s World Card, you can actually rack up points pretty fast and redeem them in 1 go.

The HSBC Card only has free redemptions until the end of 2023. If you do not spend a lot of money, earning just 1.2/2.4 mpd might not be fast enough to redeem anything meaningful.

Personally, I would still go for the DBS Altitude Card given that I have the WWMC.

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

vanessah.nah

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 logo

HSBC TravelOne Card

Get a  Samsung 27-inch Smart Monitor M5  (worth S$432) or a  Nintendo Switch Lite  (worth S$309) or  S$300 GrabGifts Vouchers  or  S$250 Cash via PayNow  when you apply for an eligible HSBC credit card and spend a min. of S$500 from Card Account Opening Date to end of the following month . T&Cs apply.

hsbc travel one card lounge access

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 logo

Standard Chartered Journey Credit Card (No Annual Fee)

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. 

Citibank logo

Citi PremierMiles Card

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice  🫵]   Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:   1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints) 2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (5,100 SmartPoints) 3. Nintendo Switch OLED (5,000 SmartPoints) 4. Everdesk+ Lite Standing Table (5,000 SmartPoints)   OR any other combination of gifts available in the  Rewards Store , by earning 5,100 SmartPoints.   Alternatively, you can also choose S$300 Cash via PayNow .  T&Cs apply

hsbc travel one card lounge access

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.

OCBC logo

OCBC 90°N Card

[MoneySmart OCBC Giveaway] Get a  Sony WH-1000XM5 Wireless Headphones  (worth S$589) OR a  Nintendo Switch OLED  (worth S$549) OR  S$350 eCapita Vouchers  OR  S$300 Cash via PayNow  when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval.   PLUS, stand to get a  S$88 Ang Bao Cash Bonus  when you participate in our MoneySmart x OCBC Giveaway!  T&Cs apply .

hsbc travel one card lounge access

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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My thoughts on the HSBC TravelOne Card

Aaron Wong

The HSBC TravelOne Card is a great general spending card- and maybe that's the problem.

This week saw the launch of the TravelOne Card, HSBC’s first mass market miles card in Singapore. HSBC certainly took its time entering this segment — almost every other bank already has one — but hey, there’s no harm in being fashionably late. 

hsbc travel one card lounge access

I’ve spent the past couple of days poring over the details of this card and analysing its use cases. Like every new launch, the TravelOne has generated a ton of online discussion, which has been very helpful in spotting things I missed the first time round!

And as I was drafting this post, I suddenly had an epiphany.

The biggest strength of the HBSC TravelOne? It’s a great general spending card. The biggest weakness of the HSBC TravelOne? It’s a great general spending card.

If that sounds confusing, don’t worry- it’ll get clearer as we go along. 

The earn rates are great (for a general spending card)

HSBC TravelOne 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.

It speaks volumes about where the market is right now that more than a few comments have basically said  “Not 4 mpd? Pfffft”.  But that’s understandable in a way. Cards like the UOB Preferred Platinum Visa and UOB Visa Signature have made us so accustomed to earning  4 mpd almost everywhere that it’s become the de facto expectation for some. 

And yet, it’s important to remember that the TravelOne is intended to be a general spending card , and we need to benchmark it to the appropriate segment.

In fact, given its earn rates and rounding policies, I’d say it more than holds its own against  the competition; all the more so for HSBC Everyday Global Account customers who can earn a bonus 1% cashback on all transactions (capped at $300 per month).

Furthermore, I’m quite amazed that the HSBC TravelOne outearns the top-of-the-line HSBC Visa Infinite (1/2 mpd on local/overseas spend, upgraded to 1.25/2.25 mpd on local/overseas spend with a hefty minimum spend of S$50,000 in a membership year). That must have been a fascinating internal discussion, since product managers are loath to have their baby upstaged- especially by a card for the unwashed masses!

It’s not just raw earn rates, mind you. Quality of points matters as much as quantity . 

If HSBC had launched a card with 1.6/2.4 mpd earn rates, yet kept Asia Miles and KrisFlyer as its only transfer partners, I’d be much more indifferent. Yes, those would be excellent earn rates for a general spending card, but at the end of the day what’s changed? It’s not breaking any new ground. 

The TravelOne’s claim to fame is not its earn rates, solid though they may be. It’s the new transfer partners it’s added and will continue to add throughout 2023 (more on that later). That, to me, is more important than incrementally higher earn rates. 

I’ve often believed that banks are getting the market for general spending cards wrong. It seems as if the thought process goes something like, “What’s better than 1.2 mpd? 1.3 mpd. What’s better than 1.3 mpd? 1.4 mpd…”

While this might be good for consumers in the short run, it’s ultimately not sustainable (just look at the BOC Elite Miles Card as an example). Margins get squeezed, banks have to come up with shenanigans to advertise higher rates while awarding less in practice (e.g. OCBC/UOB and their S$5 earning blocks), and it limits the scope to add other benefits that customers might value more, such as lounge visits or airport limo rides.

A much more sustainable approach would be to compete not on headline earn rates, but card features . In other words: “I can make my 1.2 mpd better than your 1.3 mpd if I offer more partners, if I offer free conversions, if I offer instant transfers.” That’s exactly what HSBC is attempting with the TravelOne.

Still, not everything is hunky dory. 

  • HSBC TravelOne Card does not have a bonus earn category
  • HSBC excludes CardUp/ipaymy transactions from earning rewards
  • HSBC no longer offers a tax payment facility
  • HSBC points don’t pool (though it’s on the roadmap…more on that later)

This means there’s currently no way of turbocharging your accumulation, and at a pace of 1.2/2.4 mpd, it’d take a lot of spending to reach the critical mass needed for a redemption (especially if you’re redeeming for a family).

It’s what I call the “AMEX Platinum Problem”. While Membership Rewards points are extremely valuable, it’s hard to earn them at a decent rate (0.69 mpd for AMEX Platinum Credit Card , 0.78 mpd for AMEX Platinum Charge ). But even then, at least AMEX has 10Xcelerator partners (3.47 mpd for AMEX Platinum Credit Card , 7.8 mpd for AMEX Platinum Charge )- something HSBC lacks!

A solid sign-up bonus, with a quirk

From now till 31 August 2023 , customers who apply for a HSBC TravelOne Card will enjoy  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 by the end of the month following approval
  • Opt-in for marketing communications during the sign-up process

Since the annual fee must be paid, you’re basically buying miles at a cost of 0.97 cents each (S$194.40/20,000 miles), or 1.09 cents if you want to adjust for the opportunity cost of spending on a 4 mpd card (S$194.40/(20,000-800*2.8) miles).

That’s a very good price indeed, and before someone says “but Citi PayAll”, remember the S$8,000 minimum spend for the current offer.

What’s noteworthy about this offer is that it’s available to both new and existing HSBC cardholders . Most of the time, the latter get left out in the cold.

But offering the same sign-up bonus to new and existing customers also creates a strange quirk. If you count as a new HSBC cardholder, you might want to apply for a HSBC Revolution Card first (seriously, why don’t you have one yet?). 

New cardholders will receive:

  • S$30 cash from SingSaver, no min. spend (T&Cs)
  • S$150 cashback from HSBC with a min. spend of S$1,000 (T&Cs)

After the Revolution is approved, you can then apply for the TravelOne as an existing customer, since you enjoy the same 20,000 bonus miles as a new cardholder anyway.

Don’t sweat the annual fee

And since we’re talking annual fees: the HSBC TravelOne Card is not offering a first year fee waiver option at the moment. In other words, if you want the card, you have to pay the S$194.40 annual fee, though with 20,000 miles + eight lounge visits in the first membership year (not four- see below), I’d argue you’re still coming out on top.

What happens in the second year, though?

At this point, we don’t know. The official stance is that cardholders who spend at least S$25,000 in a membership year will receive a fee waiver for the second year. However, many other banks say similar things, yet offer waivers nonetheless to those who fall short of the minimum spend (either automatically or on request). 

I’m not that concerned at the moment, quite frankly. The card is virtually brand new; we’ll cross that bridge when we come to it. I certainly wouldn’t pay S$194.40 just for a few lounge visits, and I suspect that HSBC knows that unless there’s a very compelling reason to pay the second year’s annual fee, the lack of waiver could spark a significant exodus.

The market has already demonstrated it’s not willing to pay annual fees in the S$30,000 card segment. OCBC tried it for a while with their 90°N Card by adding a non-waivable S$53.50 annual fee (with a further S$139 top-up to buy 10,000 miles). That experiment didn’t last very long.

So the way I see it, why not just take it one year at a time? It’s hardly something to get worked up about at this point. If the value proposition doesn’t make sense in the second year, you still have the freedom to walk away. 

Expiring points aren’t a deal-breaker

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

Some don’t like expiring points, but it’s not that big a deal for me. As I’ve explained in this article, non-expiring points don’t really influence my decision whether or not to get a card. Granted, nothing beats evergreen, but 37 months is a long time, and you still have additional validity once points are transferred to the airline side. 

However, an argument could be made that because of the 1.2/2.4 mpd earn rates, you’d need to keep the points on the bank side for a longer time before transferring. Fair enough, though at most it means paying an additional conversion fee at the end of 37 months; not really something to lose sleep over. 

Moreover, with the pace of frequent flyer devaluations, holding on to your points too long is a bad idea. The golden rule is still to earn and burn!

First year sweet spot for lounge visits

Plaza Premium Lounge Singapore

HSBC TravelOne Cardholders enjoy four lounge visits per year, a  relatively generous allowance for the segment in which the card competes.

What’s more, the allowances are granted on a calendar year basis instead of membership year. This means that a cardholder can enjoy eight visits in their first membership year, regardless of whether they choose to renew.

For example, when you’re approved in 2023 you get four visits to use till 31 December 2023, and on 1 January 2024 you get another four visits to use till 31 December 2024. Whether or not you renew the card in 2024 is irrelevant.

There’s also a qualitative aspect to this: TravelOne lounge visits are provided by DragonPass,  which is the only major lounge network to retain access to Plaza Premium Lounges after the operator terminated its agreements with Priority Pass and Lounge Key. In some airports (e.g. Penang, Phnom Penh) Plaza Premium lounges are the only contract lounge option (or even the only lounge option).

If there’s one fly in the ointment, it’s that lounge visits cannot be shared with a guest. Whether that’s a HSBC or DragonPass restriction I do not know, but it feels odd: if I have four visits in total, who cares whether I use all four on myself or split them with my companion for two visits together? 

Fast, free points conversions

There’s three things I look for in a card: 

Conversion speed

Conversion fees, conversion blocks.

The HSBC TravelOne gets two out of three right, with the last one coming agonisingly close. 

hsbc travel one card lounge access

The HSBC TravelOne Card has a bit of a semantics issue when it comes to conversions.

In some places, it advertises “ instant” rewards redemptions. In others, it says “instantly or within 1 business day”. The two, obviously, are not the same, and in the miles game where award space can disappear as fast as it pops up, can make all the difference. 

Having spoken to both the product team as well as Ascenda (the loyalty company that’s behind the new partners), the overall sense I got was that this is a CYA thing, just in case something goes wrong.

Given the API integration Ascenda has with its partners, there’s really no reason not to expect instant conversions for all programmes except Accor Live Limitless (where transfers take up to five business days). 

In any case, I’ll be testing this soon and posting the results, and I’m sure the Telegram Group will be full of data points as well. 

HSBC normally requires cardholders to join its Mileage Programme to convert points, which costs S$43.20 a year for unlimited conversions to Asia Miles or KrisFlyer. You only pay one fee, regardless of how many HSBC cards you have.

With the TravelOne Card, all conversion fees are waived till 31 December 2023 . That reduces the friction in making ad-hoc top-ups to your frequent flyer account.

It’s not been confirmed whether HSBC will switch to a “per conversion” model come 1 January 2024, but if you ask me, it looks more likely than not. I’d expect to pay the usual S$25 + GST. 

Unfortunately, it’s the last leg of the triangle that’s missing. While the TravelOne offers fast, free top-ups, the minimum conversion block is 10,000 miles.

While that’s on par with the market, I feel they’ve missed a great opportunity here. 10,000 miles, after all, is a significant chunk of change to move at one go. If they broke it down into smaller blocks, the utility of the card would be even greater. 

If it’s any consolation, after the first 10,000 miles the subsequent conversion block is just 2 miles. This is confirmed in the FAQs:

In other words, you could convert 25,005 points to 10,002 air miles. This is great news for anyone intending to spend S$800 for the sign-up bonus in local currency then cash out. You’d have:

  • 50,000 bonus points (for meeting min. spend)
  • 2,400 base points (S$800 @ 3 points per S$1)

52,400 points can be cashed out exactly for 20,960 miles, avoiding orphan points.

I just wish they’d gone one step further and made the minimum conversion block 2 miles, though that may be wishful thinking on my part. 

By the way, this also means that if you want an insurance policy against orphan miles, one thing you can do is keep a minimum of 25,000 points in your account at all times. 

Transfer partner bonanza

HSBC TravelOne Cardholders can transfer points to a total of 12 different partners : nine airlines and three hotels. 

This takes the crown of “most transfer partners” from Citi (10 airlines, 1 hotel), and HSBC isn’t done. The plan is to have more than 20 airline and hotel partners by the end of 2023.

That’s the real game-changer here. For too long, we’ve seen new partners added at a glacial pace ( Standard Chartered and OCBC (eventually) being the notable exceptions; no surprise it was Ascenda behind those too). Now HSBC has kicked things into overdrive, and while not every new partner will be “useful” from a miles chaser perspective, more options can only be a good thing.

At the same time, there’s one thing I want to make abundantly clear: there’s little point in using the HSBC TravelOne Card if all you want is Asia Miles and KrisFlyer. If that’s your goal, you’d do much better by sticking with other cards on the market. Why earn KrisFlyer miles at 1.2/2.4 mpd when you can earn them at 4/6 mpd elsewhere?

Getting the most out of TravelOne means exploring other programmes, and I can’t help but wonder if there’s an inherent paradox. Are the people most likely to give a general spending card heavy usage also the same people who would default to familiar programmes like Asia Miles and KrisFlyer?

hsbc travel one card lounge access

How you feel about the HSBC TravelOne Card really boils down to what standards you’re measuring it by. 

Compared to  general spending cards, it excels: 1.2/2.4 mpd earn rates, 1% extra cashback for EGA customers, a favourable rounding policy, four lounge visits per calendar year, fast and free conversions, and a 20,000 miles sign-up bonus even for existing customers. I’m not about to say it’s the absolute best — the Citi PremierMiles Card may have lower earn rates and fewer lounge visits, but Citi PayAll is a fearsome beast — though it certainly ticks all the right boxes. 

Compared to specialised spending cards , it pales in comparison, obviously. No general spending card, no matter how good, is going to beat 4/6 mpd!

Here’s the thing though: even if the HSBC TravelOne isn’t  directly  competing with a specialised spending card, it’s indirectly competing for share of wallet, because in most cases, every S$1 I put on the TravelOne is S$1 I could have put on a 4/6 mpd card.

That’s a problem that all general spending cards face, not just the HSBC TravelOne. It begs a more existential question: do you even need a general spending card?

To be sure, there are situations where it can come in useful:

  • Maybe you’ve busted the 4/6 mpd caps on your specialised spending card
  • Maybe the bank affiliated with your general spending card has some sort of tie-up with the merchant that grants an additional discount that would more than offset the lost miles
  • Maybe this particular category of spend doesn’t qualify for any bonuses (though it’s hard to think of an example, given the wide coverage of specialised spending cards)
  • Maybe you don’t know the MCC of a given merchant, and just want to be safe (but you could always find out for free )

I don’t know how common those scenarios are for you, but keep in mind this won’t even be a dilemma for the vast majority of cardholders out there. If you read this blog, chances are you’re in the minority- not just in terms of looks, charisma and sheer muscle mass, but also in terms of card usage. For every one of us who obsessively optimises each and every transaction, there’s five, maybe ten people who just put everything on their DBS Altitude, Citi PremierMiles or UOB PRVI Miles Card and call it a day. 

All the same, it’d be horribly premature to write it off. My understanding is that HSBC is working on adding points pooling , and if they pull that off, a lot of things would fall into place. 

Imagine what you could do with Revolution earn rates, 20+ partners and instant transfers. Imagine being able to avoid fuel surcharges and tap new sweet spots by choosing the right frequent flyer programme. Imagine a spillover effect on the rest of the market, where other banks look at the HSBC, StanChart and OCBC case studies and decide there’s value in partnering with a platform like Ascenda and bringing dozens of partners onboard at once instead of negotiating individual contracts. 

As John Lennon once said “That’s very nice Yoko but I’m trying to perform with Chuck Berry” “You can say that I’m a dreamer, but I’m not the only one”.

The HSBC TravelOne poses a crucial question: is there space for a general spending card in the wallet of a miles optimiser? Or perhaps more accurately: is there space for another  general spending card in the wallet of a miles optimiser?

That’s something well worth thinking about this weekend, but I personally pulled the trigger yesterday and sent in my application. I’m not about to say no to that kind of sign-up bonus, and if things work out the way I hope they will, having an extra 50,000 HSBC points in the bag would be very welcome come end-2023. HSBC has ambitious plans that go beyond just the TravelOne, and if they can deliver on that, it’d be a huge shake-up to the miles game in Singapore.

Scoffers gonna scoff, but I like what I see so far. 

  • credit cards

Aaron Wong

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Dbs woman’s world card cutting monthly 4 mpd cap to s$1,500, dbs credit cards offering up to 7 mpd on agoda bookings, 24 comments.

guest

Should this be added into the article on how to calculate general spending posted on 10 Jan?

CJS

I believe the plaza premium lounge in kuching is no longer around.

chk

You’re right. No more at Kuching airport. Penang Plaza Premium still around.

Aaron Wong

removed that!

Abc

Me again. Interesting follow up. – My biggest gripe about the AF waivability uncertainty was that if you can’t get a waiver, you’d have to cash out and cancel and with usual 10k blocks you’d be hard pressed to meet the next 10k block (most people won’t put $8k+ on a gen spend card in a year given the plethora of 4mpd options). I had missed that it was an effective 10k minimum instead of blocks – thanks for pointing this out. More agreeable that it would be easier to try on this basis. Although by that time, you’ll have …  Read more »

drawar

For a mass market general spending card that is not even a week old, I think we are being too critical. As far as the annual fee is concerned, if one wants to be safe, they can wait until a year later when data points about waivability become available, but of course, there’s the tantalizing FOMO that the welcome offer might be pulled soon, cause what are the odds that existing-to-bank customers are eligible for such a thing? All in all, I think it’s only fair that we have to “pay” for the 20k miles with a bit of uncertainty …  Read more »

JW19

If Aeroplan is part of the 20 in the future, I’m in.

Xavier

Likely. The Malaysian version of the card launched with Aeroplan

Jack

Ya, the $800 spending is an issue to hit for a general spending card…

Beans

Maybe I’m missing something, but aren’t we buying miles at: [(194.4+800)/20,960] = 4.7 cents per mile?

Can’t count the $800 – you’re not throwing the $800 away, it is expected you are spending $800 on things you would have otherwise spent anyway. But there is an opportunity cost for that $800 if you ordinarily would have earnt 4mpd on it instead.

Kel

Fairer to say your are forgoing 800×2.8 miles since $800 spend on a 4 miles/$ card would have yielded 3200 miles so 194.40/ 17760?

Just Passing by

Another general spending card split means you have to deal with low usage or manage too many orphan miles and low miles redemption. Unless if HSBC has a killer feature like Citi Payall (where you can almost guarantee miles volume) – I will stick with Citi for the general spending card. How much more do you spend on “general” card if you maximize your 4MPD specialized card?

Orphan miles not really an issue here though, because of how the conversions work

Yes but it is free only until end of the year – afterward it is gonna be pain to transfer if they start imposing fee per transfer. Well technically the jury is still up in the air

yup, got it- but when we use the term “orphan miles”, we’re generally referring to miles that cannot be transferred out because of min. block size, not miles that can be transferred out, but there’s a fee involved. if it were the latter, then virtually every card on the market would suffer from “orphan miles”- even the OCBC VOYAGE with its 1 mile transfer blocks (since there’s still a $25 xfer fee). and just because a card doesn’t have xfer fees doesn’t mean the orphan mile problem doesn’t exist! UOB Reserve cardholders have no xfer fees, but their transfer block …  Read more »

Rondo

I’ll wait till they add points pooling

Alex

If I’m HSBC customer, is still a must for me to sign up this via Singsaver or can sign-up with HSBC directly? thanks.

Patsy

If you are an existing customer, can apply directly with HSBC cuz you are not NTB, hence no incentive to go through SingSaver.

Brian

So… is this better than the DBS Vantage, which currently seems like the best general all-around spending card, though with limited partners…?

it would be very difficult to compare this with a $120k card, since the two of them have such different annual fees and benefits

If we were to do that comparison, what would the outcome be?

What I struggle to find is the best overall general spending card if you’ve got a monthly spend in the $20k+ range. Conversion partners become important, and the fee can be justified if it makes sense… Most of the benefits beyond those associated with travel are not really used (e.g. sometimes dining benefits that are hard to use, etc.)

This card seems interesting due to the increased number of conversion partners, as award space with SQ seems quite limited lately.

OPuser

“If it’s any consolation, after the first 10,000 miles the subsequent conversion block is just 2 miles. This is confirmed in the FAQs” — How does this compare to other cards/banks/points systems? Would be very interested to add this to the table alongside the minimum size and the fee.

JM

Hello, how does one pay the annual fee after just getting the card? Is it similar to how we pay our credit card bills, by transferring the sum to the card account?

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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 travel one card lounge access

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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HSBC VIP Travel and Expense Card

HSBC VIP Travel and Expense Card: Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Designed to make your business travel as convenient and seamless as possible, your new card includes exclusive benefits, such as airport lounge access, trip delay and cancellation insurance, complementary Boingo Wi-Fi in all major airports, premier customer service access and more.

Travel boldly with the card that offers benefits beyond the ordinary with the HSBC name that is instantly recognized and respected around the globe.

Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Mastercard© Coverage Brochure (PDF, 1.29MB)

Mastercard© Guide to Benefits (PDF, 389KB)

Mastercard© Guide to Benefits – Trip Cancellation & Trip Interruption (PDF, 1.43MB)

To file a claim visit: www.mycardbenefits.com or call 1-800-Mastercard

Mastercard Concierge

Priority Pass Registration

Priority Pass Member Support (FAQs, Priority Pass App, Contact)

Flight Delay Pass Registration

Flight Delay Pass Terms of Use (PDF, 438KB)

Boingo Wi-Fi for Mastercard Cardholders

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T.J. Dunn

RBC to Transition HSBC Cardholders by March 2024

In late 2022, RBC announced its plans to acquire HSBC Bank Canada .

Since then, the acquisition has been approved by the Canadian government, albeit with a laundry list of conditions, and RBC has been preparing to finalize the acquisition.

With the completion of the transition imminent, new details have been trickling in regarding the future of HSBC Canada’s products, including those pertaining to the much-beloved HSBC World Elite Mastercard.

Recently, HSBC customers have been receiving communication regarding the upcoming acquisition by RBC .

At first, emails were sent to update customers that the acquisition had received regulatory approvals, and that cardholders would receive further communication about the transition plan.

More recently, customers have been receiving a packet in the mail detailing what will happen to their existing products.

Of particular interest to the Canadian Miles & Points community is the transition plan for the HSBC World Elite Mastercard, which has long been a keystone travel credit card, with its no foreign transaction fees , flexible HSBC Rewards points, and many other features.

In the information packet sent out by mail, it was learned that legacy cardholders of the HSBC World Elite Mastercard will be transitioned to the RBC® Avion Visa Infinite† .

The packet also outlines a number of other important details about features of the transitioned card, which we’ll discuss below.

Card Features

Once transitioned, the RBC® Avion Visa Infinite†will feature no foreign transaction fees, as was the case with the HSBC World Elite Mastercard. However, this isn’t a feature that’s available to “standard” RBC® Avion Visa Infinite† cardholders who didn’t previously have the HSBC World Elite Mastercard, and it’s only for those transitioning from the HSBC World Elite Mastercard.

When it comes to the HSBC World Elite Mastercard’s $100 annual travel enhancement credit, there will be a one-time travel credit available for use in the Avion Rewards travel portal for hotels and cars only. The credit to be available is the sum of any remaining value from the HSBC travel enhancement credit, plus $100 (CAD).

At most, this means that you’ll have a $200 (CAD) travel credit available to use for hotels and cars in the Avion Rewards portal as a one-off benefit.

The credit will be valid for up to one year following the card migration date, and unfortunately, it won’t be an ongoing benefit.

Among the ancillary features of the HSBC World Elite Mastercard are the pay-per-access DragonPass membership and Boingo Wi-Fi access. Sadly, no similar benefits are attached to the transitioned RBC® Avion Visa Infinite†.

Earning Points

RBC has stated that any remaining HSBC Rewards points will be converted to Avion Rewards points at a “comparable value.” However, details of the conversion rate haven’t been communicated yet, but we can expect to learn more soon.

If you have points sitting in your HSBC Rewards account, it’s best to wait until an announcement before taking any further action.

When it comes to earning rates, it appears that the transitioned cards will adopt the default earning structure of the RBC® Avion Visa Infinite†, which is as follows:

  • 1.25 RBC Avion points† per dollar spent on qualifying travel purchases
  • 1 RBC Avion point† per dollar spent on all other qualifying purchases

For comparison, the earning rate on the HSBC World Elite Mastercard was as follows:

  • 6 HSBC Rewards points per dollar spent on eligible travel purchases
  • 4 HSBC Rewards points per dollar spent on eligible gas, groceries, and drugstore purchases
  • 2 HSBC Rewards points per dollar spent on all other eligible purchases

At a minimum, the corresponding minimum redemption value for HSBC Rewards points is 3%, 2%, and 1%, respectively, since you can redeem them at a rate of 0.5 cents per point against travel purchases.

Meanwhile, the minimum redemption value of RBC Avion points earned on the transitioned cards is 1.25% and 1%, respectively. This is because you can redeem RBC Avion points at a rate of 1 cent per point against travel purchases.

This means that HSBC cardholders will be losing out on an accelerated earning rate on eligible travel, gas, groceries, and drugstore purchases.

To use a different value comparison, we value RBC Avion points at 2 cents per point, and HSBC Rewards points at 0.8 cents per point. These elevated values above the baseline are due to the flexible nature of both points currencies, which can be transferred to airline programs, as well as the respective transfer ratios to partner airlines in both programs.

Even though we value RBC Avion points more than HSBC Rewards, when you consider the earning rates on both cards, the HSBC World Elite Mastercard had more valuable returns, as per our valuations.

Insurance Coverage

Starting March 31, 2024, the insurance coverage for RBC® Avion Visa Infinite† will take effect for new purchases made on the card.

It’s worth noting that there are some notable differences in insurance coverage between the two cards, while in other cases it’s comparable.

With the HSBC World Elite Mastercard, cardholders and dependents are covered for travel emergency medical insurance for the first 31 consecutive days of a trip for those under 65, and the first 21 consecutive days for those over 65.

Meanwhile, with the RBC® Avion Visa Infinite†, cardholders and dependents are covered with travel emergency medical insurance for only the first 15 consecutive days for those under 65, and the first three consecutive days for those over 65.

If you stand to benefit from the increased insurance coverage on the HSBC World Elite Mastercard, be sure to charge your trip to the card before the transition is complete.

Other Cards

If you hold the HSBC +Rewards Card , you’ll be transitioned to the RBC® ION Card , with the annual interest rate kept at 11.90%.

We’ve yet to confirm details regarding the fate of all other HSBC credit cards.

However, we can speculate that the HSBC Metal World Elite Mastercard will be transitioned to the RBC® Avion Visa Infinite Privilege† , while lower-tier cards may be converted to the RBC® Avion Visa Platinum† or even the RBC® ION+ Visa.

If you’ve received transition offers for any other HSBC product, please feel free to reach out so we can update this article.

HSBC Canada’s Transition to RBC

As part of the conditions placed on RBC’s acquisition of HSBC Canada , cardholders were supposed to receive “substantially similar benefits” on the RBC cards to which they’re being transferred.

With this in mind, the only substantially similar benefits on the RBC® Avion Visa Infinite† to which cardholders of the HSBC World Elite Mastercard are being transferred are the no foreign transaction fees, and that it earns flexible points that can be redeemed in a variety of ways.

Otherwise, there’s an argument to be made that the benefits offered on transitioned RBC cards aren’t substantially similar.

For example, the HSBC World Elite Mastercard offered a $100 annual travel enhancement credit. The RBC® Avion Visa Infinite† is only offering this as a one-time benefit worth up to $200, but it won’t be a mainstay feature on the card in the years to come.

In terms of earning rates, the HSBC World Elite Mastercard’s three-tiered earning structure offered minimum returns of 3%, 2%, and 1%, whereas the RBC® Avion Visa Infinite† offers a minimum return of 1.25% on travel purchases, and 1% on everything else.

Likewise, cardholders will no longer enjoy complimentary Boingo Wi-Fi on eligible flights and at Boingo hotspots worldwide, and nor will they enjoy a complimentary DragonPass membership (even if it was on a pay-per-use basis).

One of the biggest strengths of the HSBC World Elite Mastercard was that you could earn flexible HSBC Rewards points on out-of-country spending without incurring foreign transaction fees. Plus, the category multipliers counted when abroad, so paying for hotels, car rentals, and any other travel expenses resulted in a great return in the form of points.

With the transitioned version of the RBC® Avion Visa Infinite†, you’ll still enjoy no foreign transaction fees and earn flexible points; however, it’ll be at a lower rate when it comes to travel, gas, groceries, and drugstores, both at home and abroad. And many of the HSBC World Elite Mastercard’s other attractive features will no longer be available.

In Canada, we aren’t as blessed as our neighbours to the south with a bounty of travel credit cards that offer no foreign transaction fees, flexible points with competitive earning rates, and other features that are useful to travellers. Indeed, these reasons made the HSBC World Elite Mastercard so attractive.

With the upcoming loss of the HSBC World Elite Mastercard, and the parallel loss of many of its most attractive features, there’s plenty of room for a new player to step in to compete with Scotiabank’s no foreign transaction fee cards, which remain the best available in Canada.

Without a welcome bonus offered to transitioned cardholders, it’s also worth considering simply applying for an RBC® Avion Visa Infinite† product before the transition happens, especially since the cards are currently offering a record welcome bonus .

In the coming days, we should get an idea of what will happen to HSBC Rewards, and we’ll update this article with our recommendations as soon as we learn more.

RBC is in the final stretch of acquiring HSBC Canada . By the end of March 2024, all HSBC Canada clients will have been transitioned to RBC products.

We now know some details about the transition to RBC for cardholders of the HSBC World Elite Mastercard, who will move to a special version of the RBC® Avion Visa Infinite†.

Fortunately, converted cards will feature no foreign transaction fees ; however, the rest of the features will be changed, including losing the $100 annual travel enhancement credit after a one-time courtesy.

More details about the acquisition are expected in the coming days, including the future of HSBC Rewards points.

hsbc travel one card lounge access

  • Earn 35,000 RBC Avion points † when you get approved for the card
  • Plus, earn  20,000 RBC Avion points † upon spending $5,000 in the first six months
  • Earn 1.25x RBC Avion points †  on qualifying travel purchases
  • Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
  • Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
  • Minimum income: $60,000 personal or $100,000 household
  • Annual fee: $120 †

17 Comments

Any mention of RBC taking over the relationship with Singapore Airlines as a transfer partner? This was one of the good features of this card. Seems pretty useless now as I already have the Avion card. Not happy about this transition. When will MBNA announce the transfer details to Alaska Airlines?

hsbc travel one card lounge access

No mention of Singapore Airlines KrisFlyer becoming an RBC Avion transfer partner at this point. As for MBNA Rewards, there isn’t a specific timeline – just sometime in 2024.

Will ditch the card, and concentrate on MBNA Mastercard (better points package and upcoming link into Alaska Airs Mileage Plan) and the new PC Insiders Mastercard (which has enhanced optimum points and delivery options, but for a yearly fee). Both work at Costco and deliver better points. Very disappointed RBC is not really interested in retaining HSBC clients with a decent conversion offer and ongoing program.

HSBC + rewards credit card is migrating to the regular RBC ION card. Keeping the interest rate at 11.90%

Got my migration pack this morning

Thanks very much! I’ve added that into the article.

No info yet on rewards points exchange rate?

Is the current HSBC card good until the expiry date or will it auto expired on March 31? Asking to see if we need to change all future travel bookings since the card may be useless when presented later this year (ie., hotel and card rental).

Thanks for this. Haven’t been mailed anything. Tbh I expected some trash deal but not as trash as this.

Can’t use in costco 1% earning No welcome bonus

Are there instructions on when should i cancel so they don’t charge the annual fee? At the very least lol as the article states, i could apply for the card straightaway and get the welcome bonus. Costs a pull but the HSBC was my newest card anyway.

This is super helpful. Is there anything known about the annual fee? Am I going to have to pay that again on it being transferred to rbc when this wasn’t my choice? Is there a better card than the visa Avion that I should consider? I’ve loved my hsbc card.

Very much appreciate this comprehensive breakdown written, it’s what I’ve been scouring the internet for and even RBC/HSBC doesn’t explain things to such detail. Honestly disappointing the level of insurance coverage and the credit card has dropped from Canada’s best in so many ways to become a middle-of-the-pack credit card. Hoping someone can file a lawsuit based on not being provided “substantially similar benefits”.

hsbc travel one card lounge access

Generally speaking, the cards insurance in Canada is stronger than in the US still. Good travel insurances are not as common in the US as in Canada. So we are still good here with many cards

It was time to cancel this card and move on in early 2023 when they changed the base earning rate to 1x on non categorical purchases. It just went from bad to worse with the RBC acquisition. This travel blog used to speak very highly about this HSBC card when there were several better alternatives.

Could you direct us towards these “better alternatives”?

Bummer. I think I’ll be cancelling this one. I already have the Avion infinite as well for another few months.

I have enjoyed holding the HSBC WE for the last several years. Unfortunately the RBC “transition offer” is paltry compared to what HSBC used to offer. I will evaluate things once my points have moved to RBC (thankfully not that many as I just redeemed all against a cruise, and the refundable hotel for the Enhancement Credit), but can’t see myself carrying the RBC card for long.

What if you have the RBC Avion Infinite already, and is up for renewal? Should I switch to BA Visa Infinite?

It is alright hold more than one RBC Avion Infinite cards at the same time. So it is up to you whether you want to switch the existing one out or not. But sure, why not ? 🙂

hsbc travel one card lounge access

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Traveling with family? How to get lounge access for your guests

Key takeaways.

  • Lounge access is an especially desirable perk, and many travel rewards credit cards come with this benefit.
  • However, many of these cards limit the number of guests you can bring into the lounge with you — and some don't extend lounge privileges to guests at all.
  • If you regularly travel with family members or friends, the best ways to get lounge access for them are to choose credit cards that includes guest privileges, book with third-party lounge access services or book premium fares that include lounge access.

Having access to airport lounges can make any travel experience more comfortable, and these memberships can be a big money-saver, too. After all, airport lounges always have a selection of complimentary food and beverages along with wifi access, and some even have showers and special spaces you can use to freshen up.

But, having airport lounge access only for yourself can be a major issue — especially if you travel with your spouse or partner, your kids or your friends from time to time. The good news is, there are ways to get airport lounge access for yourself and your guests, or to ensure the people you love have airport lounge memberships of their own they can use.

Travel credit cards with airport lounge access

The best way to get airport lounge access for yourself and your family or other guests involves signing up for a travel credit card — but not just any travel credit card. Look specifically for a top travel rewards card that include guest access or the ability to bring in others with your membership without paying any added fees.

Fortunately, quite a few top travel credit cards let users bring in guests, including:

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card offers flexible rewards and premium benefits like an annual travel credit worth $300, a fee credit for Global Entry or TSA PreCheck membership and Priority Pass Select membership. Users can also enter Capital One and Plaza Premium airport lounges with their membership.

Venture X cardholders can visit Priority Pass lounges with unlimited guests, and they can bring up to two guests into Capital One airport lounges with them. Even better, the Venture X allows cardholders to add up to four authorized users with no annual fee, and each authorized user gets their own Priority Pass Select membership with the ability to bring in guests of their own.

While the Capital One Venture X has a $395 annual fee, Priority Pass Select membership is valued at $469 on its own.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is a premium travel credit card that is known for the flexibility of its rewards and its luxury benefits. For example, cardholders get an annual travel credit worth $300 each year, a fee credit for Global Entry, NEXUS or TSA PreCheck membership and a Priority Pass Select airport lounge membership.

The good news about the Priority Pass Select membership is that it applies to more than 1,400 airport lounges around the world — and that cardholders can bring up to two guests into the lounge with them. A $550 annual fee applies for the primary cardholder. Also note that Chase Sapphire Reserve® cardholders can also add an authorized user to their account for $75, which grants that user their own airport lounge access with the ability to bring in up to two guests of their own.

The Platinum Card® from American Express

The Platinum Card® from American Express is another premium travel credit card that offers a range of luxurious benefits like annual travel credits and airport lounge access. However, this card’s Global Lounge Collection airport lounge membership is the broadest available today, since cardholders get a Priority Pass Select membership, entry into Amex Centurion lounges and the ability to enter Delta Sky Clubs when they fly Delta.

Cardholders can bring up to two guests into Priority Pass lounges with them for free. For Delta Sky Clubs, a per-guest visit of $50 applies and the entire traveling party must by flying with the airline. Cardholders who spend $75,000 or more per year on their Platinum Card can get complimentary guest access (for up to two guests) into Centurion lounges. Otherwise, a $50 fee for each adult guest, or $30 for children aged 2 through 17, applies.

Citi® / AAdvantage® Executive World Elite Mastercard®

Another card that offers guest access into airport lounges is the Citi® / AAdvantage® Executive World Elite Mastercard® *, although this card is geared to American Airlines frequent flyers and requires a $595 annual fee. Cardholders get free Admirals Club access with this card among other perks, and they can bring immediate family members (spouse, domestic partner and/or children under 18) or up to 2 guests into the lounge with them for free.

A same-day boarding pass for a flight with American Airlines is required.

Find airport lounges that offer day passes

Even if a card offers airport lounge access for cardholders and their guests, it’s important to note that capacity controls can still apply. It’s not uncommon to head to a Priority Pass lounge and find a sign that says “full,” leaving you completely locked out of a visit you were counting on.

In this case, you may still be able to find airport lounges that offer day passes for a single day of entry. Services like LoungeBuddy and The Club can help connect you with these lounges if your preferred lounge is full, if you need space for more guests than your guest limit allows or if you don’t have access to an airport lounge membership through a travel credit card.

Book premium fares that include airport lounge access

Finally, you should know that booking international airfare in a premium cabin will typically get you airport lounge access included with major airlines and their alliance partners. For example, booking international Business or First Class flights with Delta Air Lines or SkyTeam partners will get you into Delta Sky Clubs as well as most partner lounges (terms vary).

To access this perk, you’ll likely have to book your entire family in the premium cabin to get everyone into the lounge, although there are some exceptions. For example, Virgin Atlantic airport lounges are for Upper Class passengers and Flying Club Gold members, but you are welcome to bring in a guest if they’re on the same international flight with you on Virgin Atlantic, Delta Air Lines, Air France or KLM.

The bottom line

Getting approved for the right travel credit card is the best way to lock in airport lounge access for yourself and your guests. However, you’ll want to read over specific card and membership policies so you know how many guests you can bring (and any other rules that apply). It’s also a good idea to have a backup plan if you’re counting on lounge access during your trip.

Traveling with family? How to get lounge access for your guests

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HSBC TravelOne Credit Card rewards

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How to earn Reward points

  • 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 31 May 2024.

Redeeming your Reward points

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Airline miles

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Hotel stays

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One Tree Planted

Our partners, our airline partners , our hotel partners , instant [@cards-instantly]  redemption with our app, how it works.

Convert your points to rewards in the HSBC Singapore app. Only with HSBC TravelOne Credit Card.

  • Log on to the app, select HSBC TravelOne Credit Card, then 'View more'.
  • Choose 'Redeem points' and select airline miles, hotel points or One Tree Planted.
  • Enter the number of points you would like to redeem and your details, including your airline/hotel programme membership number where applicable.
  • Review the details, read and accept the T&Cs and submit.

Air miles and hotel points redemptions will typically be completed instantly or within 1 business day. Redemptions for Club Vistara and Hainan Airlines Fortune Wings Club may take up to 5 working days, and JAL Mileage Bank may take up to 10 working days. Please note that this list may be updated from time to time.

  • Click here to view the steps to redeem points on the HSBC SG app (PDF, 1.50MB)   Click here to view the steps to redeem points on the HSBC SG app (PDF, 1.50MB) This link will open in a new window

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Download the HSBC Singapore app

Redeem your next holiday, view statements, make payments, temporarily block your card, and much more.

Get the HSBC TravelOne Credit Card

Start your instant reward redemption journey with TravelOne today!

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Which banks offer airport lounge access UK?

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2. American Express

3. barclays, 5. lloyds bank, 1. how do i qualify for airport lounge access, 2. can i bring a guest to the airport lounge, 3. are there any restrictions on lounge access during peak travel periods, 4. can i access airport lounges in other countries with a uk-based bank card, 5. what other travel benefits do these credit cards/accounts offer, 6. can i use my mobile device in airport lounges, 7. do i need to show my boarding pass for lounge access, 8. can i access airport lounges if i am flying with a different airline than the one associated with my credit card, 9. how do i find airport lounges in the uk, 10. can i access airport lounges on arrival, 11. can i access airport lounges with just a lounge pass, 12. are airport lounges worth the cost.

The opportunity to access airport lounges can greatly enhance the travel experience, providing a tranquil and comfortable oasis amidst the hustle and bustle of airports. Many banks around the world offer airport lounge access as part of their premium credit card offerings, and the UK is no exception. If you’re a frequent flyer and wish to enjoy the luxurious benefits of airport lounges, several banks in the UK can cater to your needs.

HSBC offers airport lounge access through their HSBC Premier World Elite Mastercard. Cardholders can enjoy unlimited access to over 1000 airport lounges worldwide, including those in the UK. This premium credit card also provides various travel benefits such as travel insurance, concierge services, and rewards programs.

American Express offers several credit cards that provide airport lounge access in the UK and internationally. The Platinum Card from American Express is one such example. With this card, you can enjoy complimentary access to over 1,200 airport lounges worldwide, including those in major UK airports. Additionally, this card offers various travel perks and rewards program.

Barclays offers airport lounge access through their Barclays Premier account. This account provides access to over 800 airport VIP lounges worldwide, including those in the UK. However, it’s important to note that the eligibility criteria for this account may vary, and certain fees may be applicable.

NatWest offers airport lounge access through their Black Reward account. With this account, customers receive two free airport lounge visits per year. Additional visits can be purchased at a discounted rate. This account also offers various travel benefits such as travel insurance and discounts on foreign currency.

Lloyds Bank offers airport lounge access through their Avios Rewards Credit Card. Cardholders can enjoy access to over 1,200 airport lounges worldwide, including those in the UK. This credit card also provides Avios points for every purchase made, which can be redeemed for flights and other travel-related expenses.

These are just a few examples of banks in the UK that offer airport lounge access. It’s important to carefully review the terms and conditions of each bank’s offering to ensure it meets your specific needs and requirements. Whether you’re a frequent business traveler or simply enjoy the added comfort and convenience of airport lounges, these banks can provide you with the access you desire.

Frequently Asked Questions

To qualify for airport lounge access, you generally need to hold a premium credit card or be a member of a specific account type offered by a bank. Eligibility criteria may vary, so it’s best to check with your bank for specific requirements.

In most cases, airport lounge access includes a guest allowance. This typically allows the cardholder to bring a certain number of guests for free or at a discounted rate. However, the specific guest policy may vary depending on the bank and type of access.

Sometimes, airport lounges may have capacity restrictions during peak travel periods. In such cases, access may be subject to availability, and some lounges may implement a first-come, first-served policy. It’s advisable to arrive at the lounge early during busy periods to secure a spot.

Yes, many banks offering airport lounge access in the UK have partnerships with lounge networks worldwide. This means you can access lounges in various countries around the world, not just in the UK. However, the specific lounge network and participating lounges may vary depending on the bank.

Aside from airport lounge access, many premium credit cards and accounts offer additional travel benefits. These may include travel insurance, concierge services, discounts on travel bookings, rewards programs, and more. It’s worth reviewing the full suite of benefits offered by the bank before making a decision.

Most airport lounges allow the use of mobile devices and laptops. However, it’s important to respect other guests’ privacy and maintain a considerate noise level. Some lounges may also provide workstations or charging stations for added convenience.

Yes, airport lounges generally require you to show a valid boarding pass for the same day of travel to gain access. This is to ensure that the lounge is used by passengers who have an upcoming flight.

Yes, in most cases, airport lounge access is not restricted to the airline associated with your credit card. You can typically access lounges regardless of the airline you are flying with, as long as you hold a valid premium credit card that provides lounge access.

There are several websites and mobile apps that provide comprehensive lists of airport lounges around the world, including those in the UK. These resources often include detailed information about each lounge, including amenities, location, and access requirements.

Airport lounges primarily cater to departing passengers, but some lounges may allow access for arriving passengers under certain circumstances. It’s best to check with the specific lounge or your bank for their policies regarding access upon arrival.

Some lounges offer day passes or single-use passes for individuals who do not hold a premium credit card or membership. These passes usually come at a cost and may have restrictions on access during peak periods. It’s advisable to check with the specific lounge for availability and pricing.

The value of airport lounges depends on individual preferences and travel habits. If you frequently travel and appreciate a more comfortable and quiet environment, access to airport lounges can greatly enhance your travel experience. Consider the benefits and amenities offered by each lounge before deciding if it’s worth the cost for you.

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Capital One's Venture Business X is now more widely available and offering an intro bonus of up to 300,000 miles

Our experts answer readers' credit card questions and write unbiased product reviews ( here's how we assess credit cards ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†. The details for these products have not been reviewed or provided by the issuer.

  • The Capital One Venture X Business Card† is available to new applicants.
  • It's offering 150,000 miles once you spend $20,000 in the first three months from account opening, and an additional 150,000 miles once you spend $100,000 in the first six months.
  • If you don't spend a lot each month on business purchases, the Capital One Venture X Rewards Credit Card could be a better fit.

The list of the  best credit cards hasn't changed much over the past few years, with big names like the The Platinum Card® from American Express and Chase Sapphire Reserve® holding steady. One of the most recent premium rewards cards to join these ranks is the Capital One Venture X Rewards Credit Card, with a $395 annual fee ( see rates and fees ) that looks affordable next to cards that charge north of $500 a year to keep open.

The Capital One Venture X Rewards Credit Card stands out for its strong earning rates and perks like a $300 annual credit for bookings through Capital One Travel. And now you can get those same benefits and more on a version of the card tailored to small business owners: the Capital One Venture X Business Card†. 

Capital One Capital One Venture X Business Card†

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

no APR but a 2.99% monthly late fee if balance is not paid in full

Earn up to 300,000 bonus miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent earning rates and perks that offset the high annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium benefits include travel statement credits and airport lounge access
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit for flexibility
  • con icon Two crossed lines that form an 'X'. Balance must be paid in full each month to avoid a late fee
  • con icon Two crossed lines that form an 'X'. Annual travel statement credits only apply to Capital One Travel purchases

What to know about the Capital One Venture X Business card

When Capital One first announced the Capital One Venture X Business Card† in February 2023, it said the card would only be available to customers through a Capital One Relationship Manager. This is essentially a liaison between business owners and the bank to help facilitate accounts and new lines of credit, and there are certain undisclosed criteria a small business has to meet to qualify for one.

That made the small business card less accessible, but now Capital One has made the card available for application to all small business owners via its website.

The Capital One Venture X Business Card† has a $395 annual fee. Beyond that, the Capital One Venture X Business Card† has several of the same features of the personal version, including:

  • $300 per year in travel credits toward Capital One Travel bookings
  • Book through Capital One Travel to earn 5x miles on flights and 10x miles on hotels, and 2x miles on every other purchase
  • 10,000 bonus miles each account anniversary year
  • An application fee credit for Global Entry or TSA PreCheck
  • Access to Priority Pass, Plaza Premium, and Capital One airport lounges

There are a few notable differences to keep in mind, though:

  • Unlike the personal card, the Capital One Venture X Business Card† is a charge card. This means you have no preset spending limit, but you have to pay your card off in full each month to avoid late fees.
  • The bonus offer has a very high minimum spending requirement, reflecting the fact that this card is for businesses that spend significantly more than the average individual. 

Speaking of that bonus offer ...

Earn up to 300,000 miles with the sign-up bonus

The Capital One Venture X Business Card† is offering a welcome bonus of 150,000 miles once you spend $20,000 in the first three months from account opening, and an additional 150,000 miles once you spend $100,000 in the first six months. 

That more miles than you can earn from the personal Capital One Venture X Rewards Credit Card, which is offering 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. But you'll have to spend a lot more to earn that higher bonus.

If you own a small business that regularly makes more than $10,000 in purchases each month, this spending requirement could be easy to meet, and you'd get $5,100 in value toward travel according to our credit card rewards valuations , which peg Capital One miles at 1.7 cents apiece.

But if your small business is more along the lines of selling a few items on eBay each month, it won't be worth it to meet such a steep spending requirement in return for those miles, especially when there are plenty of other credit cards offering high bonus offers  with more reasonable spending requirements. 

hsbc travel one card lounge access

† The information related to the Capital One Venture X Business Card has been collected by Business Insider and has not been reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, please click here.

hsbc travel one card lounge access

Watch: Why the Chase Cards CEO is not worried about the hundreds of millions lost last quarter due to credit card rewards

hsbc travel one card lounge access

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IMAGES

  1. HSBC Bank Credit Cards for Airport Lounge Access

    hsbc travel one card lounge access

  2. TravelOne Credit Card

    hsbc travel one card lounge access

  3. HSBC Credit Cards

    hsbc travel one card lounge access

  4. Your Key To Seamless Travel: HSBC’s New TravelOne Credit Card

    hsbc travel one card lounge access

  5. HSBC Visa Platinum Airport Lounge Access [Full Details Revealed]

    hsbc travel one card lounge access

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

    hsbc travel one card lounge access

COMMENTS

  1. TravelOne Credit Card

    Complimentary travel insurance coverage (including COVID-19) 3, airport lounge access 4 and more. Split flexibly Split your purchases across a range of flexible tenures to suit your needs with a 0% HSBC Card Instalment Plan, or convert your big purchases into monthly instalments at a preferential rate as low as 1.88% upfront for 6 months.

  2. HSBC TravelOne Credit Card

    Apply now and enjoy instant approval1. What's more, receive 20,000 miles - in the form of 50,000 Reward points - when you meet these criteria: pay the annual fee of SGD196.20 (inclusive of GST) spend at least SGD1000 in qualifying transactions within the qualifying spend period provide marketing consent when you apply

  3. Which HSBC credit card can access to airport lounge?

    Among the various HSBC credit cards available, the HSBC Premier World Elite Mastercard is one that grants you access to airport lounges worldwide. With this card, you can indulge in luxurious amenities such as comfortable seating, complimentary refreshments, and even spa treatments, depending on the specific lounge.

  4. Review: HSBC TravelOne Card

    Here's The MileLion's review of the HSBC TravelOne Card, which shook up the miles game when it launched back in May this year with 12 transfer partners, instant, free conversions, a generous lounge benefit and a competitive sign-up bonus. Feature-wise, it's as strong a general spending card as you could hope for. And there's more still to come.

  5. PDF Frequently Asked Questions on HSBC Visa Infinite Credit Card LoungeKey

    1. Is the access free? Yes, it is complimentary for HSBC Visa Infinite main and supplementary credit cardholders. However, do note that LoungeKey will perform a pre-authorisation amount to validate your card. The entry is still complimentary, and this amount will not be charged to your card. 2. What is LoungeKey?

  6. HSBC Bank Credit Cards for Airport Lounge Access

    Hence, they try to find a credit card at an affordable cost that will provide them with complimentary access to airport lounges. The HSBC Bank Premier MasterCard credit card (available for HSBC Bank Premier customers) is one such credit card that provides credit cardholders with some unbeatable benefits along with providing them complimentary ...

  7. HSBC Travel One Credit Card

    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.

  8. PDF PUBLIC

    To access a participating lounge, Cardmembers will need to log in to the MTP app with their DragonPass membership number that is linked to their HSBC TravelOne Credit Card. 6. Use of the lounges is subject to DragonPass' terms and conditions.

  9. HSBC launches TravelOne credit card

    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. ... Lounge access: 4 per year FCY fee: 3.25% Min. age: 21 Min. income: $30,000/yr: 20,000 miles when you ...

  10. HSBC TravelOne Credit Card Review: Travel & Earn Easy Miles ...

    The HSBC TravelOne credit card has a decent miles earn rate at 1.2 mpd for local spending and 2.4 mpd for foreign currency spending. It also provides lounge access and travel insurance for fuss-free journeys.

  11. First Impressions: HSBC TravelOne Credit Card

    As a travel credit card, the HSBC TravelOne Credit Card provides complimentary lounge access via the DragonPass lounge membership (also known as the Mastercard Travel Pass). The 4 yearly complimentary limit is much better than many of its counterparts. However, this limit only applies to the primary cardholder.

  12. PDF Plaza Premium Lounge Terms and Conditions

    The facilities provided in the Lounges includes food & beverages, seating area, internet access, international newspapers and magazines, international TV channels, flight information and shower and are subject to changes by the respective Service Providers from time to time at their sole discretion. 11.

  13. HSBC TravelOne Card: MoneySmart Review 2023

    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 ...

  14. HSBC TravelOne Card: Miles game, meet shake-up

    From 11 May to 31 August 2023, customers who apply for a HSBC TravelOne Card will enjoy 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 by the end of the month following approval. Opt-in for marketing communications during the sign-up.

  15. My thoughts on the HSBC TravelOne Card

    24 The HSBC TravelOne Card is a great general spending card- and maybe that's the problem. This week saw the launch of the TravelOne Card, HSBC's first mass market miles card in Singapore. HSBC certainly took its time entering this segment — almost every other bank already has one — but hey, there's no harm in being fashionably late.

  16. HSBC launches new TravelOne credit card

    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 ...

  17. HSBC Travel and Expense card

    HSBC VIP Travel and Expense Card: Introducing the perfect travel companion - your new HSBC VIP Travel & Expense Mastercard© credit card. Designed to make your business travel as convenient and seamless as possible, your new card includes exclusive benefits, such as airport lounge access, trip delay and cancellation insurance, complementary Boingo Wi-Fi in all major airports, premier ...

  18. Best Credit Cards For Lounge Access Of January 2024

    Mastercard® Gold Card™ *. For customers on a budget, these six cards have annual fees of less than $100 and include a limited number of lounge visits annually: Hilton Honors American Express ...

  19. How to get access to the best airport lounges, using Priority ...

    The HSBC Premier World Elite card - at £195 a year - also allows access to the LoungeKey network. Now read: The best way to spend your Amex points, according to the experts Other ways to get ...

  20. RBC to Transition HSBC Cardholders by March 2024

    When it comes to the HSBC World Elite Mastercard's $100 annual travel enhancement credit, there will be a one-time travel credit available for use in the Avion Rewards travel portal for hotels and cars only. The credit to be available is the sum of any remaining value from the HSBC travel enhancement credit, plus $100 (CAD).

  21. Traveling with family? How to get lounge access for your guests

    The Platinum Card® from American Express is another premium travel credit card that offers a range of luxurious benefits like annual travel credits and airport lounge access. However, this card ...

  22. TravelOne Credit Card rewards

    Earn reward points with HSBC TravelOne credit card to redeem for your air ticket and hotel stay. Learn how to convert your travel rewards points via our app. ... 25,000 HSBC points : 10,000 IHG One Rewards points: Marriott Bonvoy: Marriott Bonvoy: 25,000 HSBC points : 10,000 hotel points ... Explore other exciting features such as lounge passes ...

  23. How to Visit LaGuardia Airport's Luxurious New Chase Sapphire Lounge

    Good news for New York City travelers: The long-awaited Chase Sapphire Lounge is now open to the public in LaGuardia Airport's Terminal B — and it may be the most luxurious credit card ...

  24. Lounge Pass

    Pre-booking guarantees you access to an airport VIP lounge from as little as £ 13.50. Relax before boarding, help yourself to a range of light refreshments and drinks, kick-back in comfortable seating, log on to Wi-Fi and enjoy the wait. Make your outward and return flight that little more special - with Lounge Pass.

  25. Which banks offer airport lounge access UK?

    HSBC offers airport lounge access through their HSBC Premier World Elite Mastercard. Cardholders can enjoy unlimited access to over 1000 airport lounges worldwide, including those in the UK. This premium credit card also provides various travel benefits such as travel insurance, concierge services, and rewards programs.

  26. Lounges in Astrakhan, N/A, Russia

    Lounges in Astrakhan, N/A, Russia Near me. Lounge, airline, airport, etc. ... Purchase lounge access; Blog & News; Definitive Guides. San Francisco (SFO) lounge scene; Los Angeles (LAX) lounge scene; Seattle (SEA) lounge scene; Star Alliance Arrivals Lounges; Priority Pass, over 1,000 lounges at your fingertips;

  27. What to know about the Capital One Venture X Business card

    is available to new applicants. It's offering 150,000 miles once you spend $20,000 in the first three months from account opening, and an additional 150,000 miles once you spend $100,000 in the ...

  28. PDF List of Mastercard Travel Pass Lounges for Mastercard World Debit Card

    List of Mastercard Travel Pass Lounges for Mastercard World Debit Card 152 First Class Lounge 2 Bazhong Enyang Airport China Mainland Bazhong Terminal 2 153 Prima Vista Lounge Cagliari - Elmas Airport Italy Cagliari Main Terminal 154 First Class Lounge Cairo International Airport Egypt Cairo Terminal 1

  29. ASTRAKHANSKAYA HOTEL

    The building of "Astrakhanskaya" hotel has 4 floors and strikes with spatial scale, high ceilings with moldings and spacious hall in Baroque style. One of the advantages of the hotel is its location in the central, a cultural, business district within walking distance from Astrakhan Kremlin and the waterfront of Volga River.