HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

The HSBC TravelOne Credit Card is a reliable travel credit card that allows you to earn 1.2 miles per dollar on local spend and 2.4 miles per dollar on overseas spend. It's biggest selling point is the number of transfer partners - featuring 9 airlines and 3 hotel partners - the most in Singapore. It also provides 4 complimentary lounge visits per year, ideal for those well travelled.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles / dollar
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Annual Fee
S$ 196.2
Monthly Spend Required
S$ 0
Minimum Annual Income
30,000
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2 Offers Available
Get 1x chance to win an Exclusive Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win an Exclusive Suite Concert Experience
  • SingSaver Concert Giveaway promotion runs from 17 September 2025 to 30 September 2025.
  • Promotion is valid for new Citi/HSBC credit cardmembers only.
  • Apply for selected credit cards from Citi or HSBC during the promo period to receive 1x chance to win an executive suite concert experience to the world's hottest tour
    • Eligible applicant pool is shared across all participating providers.
  • Promotion is stackable with existing SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
SingSaver Exclusive Offer
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
SingSaver Exclusive Offer
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson OnTrac™ headphones (worth S$699) (Top up S$70)
SingSaver Exclusive Offer
Dyson OnTrac™ headphones (worth S$699) (Top up S$70)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)
SingSaver Exclusive Offer
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Shark TurboBlade Multi-Directional Cooling Fan (worth S$499)
SingSaver Exclusive Offer
Shark TurboBlade Multi-Directional Cooling Fan (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.

Things to consider

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Unlimited air miles

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Airport lounge

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Travel insurance

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Bonus air miles

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Benefits

Airmiles

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Airmiles Base Rate
1.2  miles / dollar
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Airmiles Local
1.2  miles / dollar
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Airmiles Overseas
2.4  miles / dollar
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Quick Facts

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Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.

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Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.

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Accelerated earn rate: up to 2.4 miles for your spending.

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No conversion fee for air miles or hotel points until 31 January 2025.

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Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.

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Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.

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Split your purchases across a range of flexible tenures with HSBC Instalment Plans.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
30,000
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Monthly Spend Required
S$ 0
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Fees / Repayment

Fees

Annual Fee Waiver
Not Available
Annual Fee
S$ 196.2
Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
None
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
26.9  %
Interest on Cash Advance
28  %
Interest Free Period
20  days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Tags

HSBC TravelOne Credit Card HSBC TravelOne Credit Card

HSBC TravelOne Credit Card


The HSBC TravelOne Credit Card is ideal for frequent travellers who value instant reward redemption and flexible travel benefits.

It allows you to earn 1.2 miles per S$1 on local spend and 2.4 miles per S$1 on overseas spend.

Additionally, you’ll enjoy up to 4 complimentary lounge visits annually, complimentary travel insurance, and instant miles redemption to 20+ airline and hotel partners.

Spend Category

Rewards Earned

S$1 Local Spend

1.2 miles

S$1 Foreign Currency Spend

2.4 miles

S$1 (Miles Transfer Promo)

Up to 8 miles

SingSaver’s offer

Apply for the HSBC TravelOne Credit Card, pay the annual fee (S$196.20 incl. GST), provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards below:

  • Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)
  • Dyson Airstrait™ straightener (worth S$799) (Top up S$80)
  • Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50)
  • Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)
  • Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • Dyson OnTrac™ headphones (worth S$699)
  • S$420 Grab Vouchers
  • S$390 Cash via PayNow

Welcome offer comparison

Provider

Offer

SingSaver

Gifts worth up to S$899

HSBC Website

Spend up to S$1,000 to receive 36,000 miles (award in the form of 90,000 Reward points)

Other Platforms

S$390 Cash via PayNow or 6,140 SmartPoints

Best offer: The Singsaver promotion offers the most value, though miles chasers may prefer the HSBC offer.

HSBC TravelOne Card at a glance

Air miles

4/5 Stars

  • 1.2 miles per S$1 on local spend
  • 2.4 miles per S$1 on overseas spend
  • Miles are redeemable instantly via the app

Overseas spending

5/5 Stars

  • High earn rate on FCY spend
  • No need to wait for miles redemption
  • Accepted globally and travel-friendly

Travel

4/5 Stars

  • 4 complimentary airport lounge visits
  • Complimentary travel insurance
  • Partner deals with Agoda and airlines

Bill payment

2/5 Stars

  • No rewards on bill payments via AXS or similar channels
  • Not ideal for recurring utilities or tax payments

Petrol

1/5 Stars

  • No fuel savings or petrol station deals
  • Better alternatives for drivers

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: Free
  • Fee waiver: 1-year waiver for principal card
  • Interest-free period: 21 days
  • Annual interest rate: 27.8% p.a.
  • Late payment fees: S$100
  • Minimum monthly repayment: 100% of your monthly instalment amount
  • Foreign currency transaction fee: 2.25%
  • Cash advance transaction fee:  8% or S$15, whichever is higher
  • Overlimit fee: S$40

Minimum income requirements

  • Singaporean/PR minimum income: S$30,000
  • Self-employed or Commission-based Singaporean or PR: S$40,000
  • Non-Singaporean minimum income: S$60,000

Why apply for the HSBC TravelOne Credit Card

Perks and benefits

  • 1.2 miles per S$1 on local spend
  • 2.4 miles per S$1 on overseas spend
  • Instant miles redemption to airline and hotel partners

Additional benefits

  • 4 free airport lounge visits each year
  • Complimentary travel insurance
  • Deals with travel partners

Everyday value

  • No need to wait for monthly statements to redeem miles
  • Mobile app access for redemption
  • Flexible travel benefits for both personal and business travel

SingSaver’s take

The HSBC TravelOne Credit Card is a smart option for those who travel regularly and want a fuss-free way to earn and use miles. While it may not offer much for petrol or bill payments, its high overseas earn rate and instant redemptions make it a standout. Frequent flyers will appreciate the convenience of tapping into miles anytime without blackout dates, all managed from one app.

Pros & cons


Pros Cons
  • High earn rate on overseas spend
  • Instant redemption of miles
  • Access to 20+ airline and hotel partners
  • Free lounge access
  • Complimentary travel insurance
  • Limited earn opportunities on local recurring bills
  • Annual fee applies after the first year
  • No specific petrol or grocery benefits

 

Card comparison

Card

Miles/Rewards

Annual fee (Principal)

Other perks

HSBC TravelOne

1.2 mpd local, 2.4 mpd overseas

S$196.20 (1-year waiver)

4 lounge visits/year, instant miles redemption to 20+ partners, travel insurance

Citi PremierMiles

1.2 mpd local, 2.2 mpd overseas

S$196.20 (1-year waiver)

Complimentary travel insurance, flexible miles redemption, global acceptance

UOB PRVI Miles

1.4 mpd local, 2.4 mpd overseas

S$261.60 (1-year waiver)

Up to 8 mpd on selected bookings, travel insurance, high overseas earn rate


The HSBC TravelOne is ideal for frequent travellers who want quick, fuss-free miles redemption, generous lounge access, and strong overseas earn rates — all with a first-year fee waiver.

Application process

  1. Click “Apply Now” on this page.
  2. Fill in the online application form.
  3. Upload the required income and identity documents.
  4. Wait for HSBC to approve your card (typically 1–2 weeks).
  5. Pay the annual fee, provide your marketing consent to HSBC, and make a minimum deposit. spend of S$500 by the end of the following month from the card approval date.
  6. Receive your rewards via Singsaver within 4 weeks.

Frequently asked questions about the HSBC TravelOne Credit Card

Do HSBC TravelOne miles expire?

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Yes, HSBC TravelOne miles expire at the end of a 37-month period from the month subsequent to the month in which such Reward points were awarded.

How fast can I redeem miles after spending?

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Almost instantly, you can transfer miles via the HSBC Singapore mobile app with 24/7 access.

Are there blackout dates for redemptions?

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No, redemptions are made directly to airline or hotel partners and follow their availability rules.

How many lounge visits do I get?

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You’ll receive 4 complimentary airport lounge visits per year.

Is this card good for non-travellers?

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It’s optimised for travel rewards, so non-travellers may get more value from cashback or lifestyle-focused cards.

Related pages

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.