HSBC TravelOne Card — Up to 1.2 mpd base
Earns up to 2.4 mpd on foreign currency — and up to 1.2 mpd on everyday spend. Use the simulator to see your projected annual miles.
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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$500 to earn up to 26,200 miles; spend another S$500 to earn up to 9,800 miles — totalling up to 36,000 miles with S$1,000 qualifying spend.
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Applicant must apply with marketing consent provided and pay the annual fee of S$196.20 (inclusive of GST). Qualifying spend must be made from the card account opening date to the end of the following month. First S$500 qualifying spend earns up to 26,200 miles (65,500 Reward points); next S$500 earns up to 9,800 miles (24,500 Reward points); total up to 36,000 miles (90,000 Reward points) with 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The information above is a summary and may be incomplete or outdated.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.
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Existing HSBC cardholders receive up to 24,000 miles instead of 36,000 miles. First S$500 qualifying spend earns up to 14,200 miles; next S$500 earns up to 9,800 miles.
The information above is a summary and may be incomplete or outdated.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.
Earning 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.
- •New cardholders can earn up to 36,000 welcome miles with a minimum qualifying spend of S$1,000 within the eligible period.
- •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.
- •Existing HSBC cardholders are eligible for a reduced welcome offer of up to 24,000 miles instead of 36,000 miles.
- •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 Card
The HSBC TravelOne 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 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 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.
How it compares
Compare against all miles cardsarrow_forwardFrequently asked questions
How many miles does the HSBC TravelOne Card earn?
The HSBC TravelOne 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 Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
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 June 2026, not guarantees of future earning. Terms and conditions apply.
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Last verified: June 2026.
The figures and product details shown here may differ from what you see when you visit the bank, the card issuer, or the product's own page — terms, rates and promotions can change at any time. All products and services are presented without warranty of accuracy or fitness for a particular use. SGfi may earn a referral fee from some of the cards featured, at no additional cost to you; affiliate placements are marked individually and do not affect the projections or the order in which cards are ranked.
Standard merchant coverage estimates are based on Singapore market share as of 2026. You can adjust these for your own spending in the settings above.