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HSBC

HSBC TravelOne Credit Card

Asia MilesKrisFlyer4 complimentary airport lounge visits per calendar year (guests can use them); instant free points transfers in HSBC app

Annual fee S$196.20

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Your result · S$3,000/mo · 10% overseas · Asia Miles
59,500miles/yr
Net value+S$696.30
Rank#8 of 39

Earn by category

Dining & cafés14,300
Groceries7,100
Transport & fuel4,800
Online shopping9,500
Bills & subscriptions2,400
Travel & airfare4,800
Everything else4,800
Miles a year · total 47,700

Earn rules

CategoryConditionsRateMonthly cap
Base earn1.2 mi / S$1
OverseasAll foreign-currency spend: 6 HSBC points per S$1 (= 2.4 mpd at the 2.5:1 Asia Miles rati…2.4 mi / S$1None
  • Spend S$0 in a year → 12,000 miles · 30,000 HSBC points on payment of the annual fee from year 2 (raised from 25,000 for renewals from 1 Jan 2026) = 12,000…
  • First-year fee: S$196.20
  • Transfers to KrisFlyer at 0.833× the rates above
  • Earns HSBC Reward points; calculated at 3 points = 1 mile
  • Sign-up bonus: 20,000 miles · New-to-HSBC-card customers: 50,000 HSBC points (20,000 miles at 2.5:1) + Samsonite ZELTUS 69cm luggage for S$1,000 spend from approval to end of the following…
  • 1 mile ≈ S$0.015 (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.

Where these miles go

This card earns or transfers to these programs.

Asia MilesCathay Pacific · 1 mile ≈ S$0.015Used in your result
KrisFlyerSingapore Airlines · 1 mile ≈ S$0.015

Verified 2026-10-23 · HSBC disclosure·Report an error