HSBC TravelOne Credit Card — Up to 2.4 mpd Foreign Currency
HSBC TravelOne Credit Card earns up to 2.4 mpd on foreign currency — and up to 1.2 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 18 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| All other categories (base rate) | 1.2 mpd | 2,520 |
| Monthly miles | 2,520 | |
| Annual miles | 30,240 | |
Spend S$1,000 to receive 20,000 miles (50,000 Reward points) plus a Samsonite ZELTUS 69cm Spinner (worth S$680).
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Applicable to new HSBC cardholders. Must provide marketing consent (kept valid until the gift is credited) and pay the annual fee of S$196.20 (inclusive of GST), which is strictly chargeable and non-waivable. Spend at least S$1,000 in qualifying transactions from the card account opening date to the end of the following month to receive 20,000 miles (50,000 Reward points) and a Samsonite ZELTUS 69cm Spinner (worth S$680). Card must be applied for within the promotion period and approved by 14 October 2026.
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
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Existing HSBC cardholders receive 10,000 miles (25,000 Reward points) plus the Samsonite ZELTUS 69cm Spinner (worth S$680) on at least S$1,000 qualifying spend.
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •2.4 mpd on Foreign currency — (2.4mi = 6X Reward points) on all eligible foreign currency transactions.
- •1.2 mpd base rate on other eligible spend
- •Uncapped — no monthly cap on total miles earned
- •Annual fee: S$196.20 (From the second year onwards, the fee is waived if you spend more than S$25,000 per year. Receive up to 12,000 miles when you pay the annual fee from the second year onwards.)
- Complimentary Airport Lounge Access
Primary cardholders receive 4 complimentary lounge visits per year to over 1,300 global airport lounges via Mastercard Travel Pass by DragonPass. Visits can also be used to redeem free meals at selected airport restaurants. Guests may be brought using the available complimentary visits.
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Register via the Mastercard Travel Pass app. Primary cardholders only for complimentary visits.
- Complimentary Travel Insurance
Complimentary travel insurance with coverage of up to S$150,000 for Overseas Medical Expenses when the full cost of the air ticket is charged to the HSBC TravelOne Credit Card. From 1 September 2025, full travel expenses include accommodation and car rentals.
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Full cost of air ticket (and from 1 September 2025, accommodation and car rentals) must be charged to the card.
- Mastercard Travel Rewards
Access to more than 500 cashback offers in 26 destinations abroad and online via the Mastercard Travel Rewards programme, valid till 30 April 2027.
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Both primary and supplementary cardholders must register their cards separately to enjoy cashback offers.
- Priceless Specials
Access to curated offers and benefits from Mastercard's Priceless Specials programme, providing top-tier benefits and privileged access.
- ID Theft Protection
Complimentary ID Theft Protection providing proactive monitoring and alerts to protect personal data from identity theft or fraud when surfing and purchasing online.
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Enrol online for complimentary access.
- Annual fee
- S$196.20From the second year onwards, the fee is waived if you spend more than S$25,000 per year. Receive up to 12,000 miles when you pay the annual fee from the second year onwards.
- Annual fee waiver
- S$25,000 annual spend
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is greater
- Minimum payment
- S$50 or 100% of monthly instalment amount of each cash instalment plan & spend instalment plans (if any), plus 100% of any interest, late fees, annual credit card fees, and overlimit fees charged to your account, plus 1% of remaining outstanding balance, plus excess amount above your credit limit
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$65,000
- Minimum age: 21
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Minimum income varies by banking relationship: existing HSBC customers with TRB ≥ S$50,000 qualify at S$30,000 (salaried) or S$40,000 (self-employed/commission-based); all other applicants (including new customers and those with TRB < S$50,000) require S$65,000. Foreigners require S$65,000 regardless of relationship. The bank may also consider overall financial standing, creditworthiness, and employment at its discretion.
- •Earns 2.4 miles per dollar on all eligible foreign currency transactions.
- •Primary cardholders receive 4 complimentary airport lounge visits per year to over 1,300 global lounges via Mastercard Travel Pass by DragonPass.
- •Complimentary travel insurance covers up to S$150,000 for Overseas Medical Expenses when the full cost of the air ticket is charged to the card.
- •The annual fee of S$196.20 is waived from the second year onwards when annual spend exceeds S$25,000.
- •Reward points (miles) remain valid for 37 months.
- •The annual fee of S$196.20 is charged from the first year with no waiver condition applicable in year one.
- •The foreign transaction fee is 3.25% on all foreign currency transactions.
- •The base earn rate is 1.2 miles per dollar on non-foreign-currency eligible spend.
- •The minimum income requirement is S$65,000 for foreigners and for Singapore Citizens/PRs who are new customers or hold a Total Relationship Balance below S$50,000.
About the HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card earns 2.4 mpd on foreign currency, with a 1.2 mpd base rate on other eligible spend. The annual fee is S$196.20 (From the second year onwards, the fee is waived if you spend more than S$25,000 per year. Receive up to 12,000 miles when you pay the annual fee from the second year onwards.). Terms and conditions apply.
Miles breakdown
The HSBC TravelOne Credit Card earns 2.4 mpd on foreign currency, plus 1.2 mpd on other eligible spend.
Where this card earns the most
The HSBC TravelOne Credit Card earns the most on foreign currency. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
Other miles cards to compare
Frequently asked questions
Is the HSBC TravelOne Credit Card worth it?
The HSBC TravelOne Credit Card earns 1.2 mpd on general spend and up to 2.4 mpd on foreign currency, with a S$196.20 annual fee (waived above S$25,000 a year in spend). Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the HSBC TravelOne Credit Card for?
The HSBC TravelOne Credit Card suits overseas spenders — it earns 2.4 mpd on foreign currency. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with airport lounge access and travel insurance.
How many miles does the HSBC TravelOne Credit Card earn?
The HSBC TravelOne Credit Card earns 2.4 mpd on foreign currency, with 1.2 mpd on other eligible spend.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$25,000.00 in a card year.
How does miles redemption work?
The HSBC TravelOne Credit Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Do miles from the HSBC TravelOne Credit Card expire?
Yes. Miles earned on the HSBC TravelOne Credit Card are valid for 37 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
Does the HSBC TravelOne Credit Card charge foreign transaction fees?
Yes. The HSBC TravelOne Credit Card charges a 3.3% foreign-currency transaction fee on spend billed in a currency other than Singapore dollars. Its foreign currency bonus still earns 2.4 mpd on eligible spend, so the fee and the bonus apply to the same transaction. The fee is charged separately from the miles you earn, so it applies whether or not the spend qualifies for a bonus rate. Terms and conditions apply.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 18 Jul 2026, not guarantees of future earning. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
HSBC governing terms: Official terms (PDF)