HSBC TravelOne Credit Card

Miles

How it earns

1.0 KrisFlyer mpd on local spend (1.2 in Asia Miles)
2.0 KrisFlyer mpd on foreign-currency spend (2.4 in Asia Miles)
No cap

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	23,760 miles	S$160	22 of 27
Eats out a lot S$2,050/mo	23,400 miles	S$155	23 of 27
Frequent traveller S$3,570/mo	55,800 miles	S$641	13 of 27
Family with a car S$3,050/mo	35,400 miles	S$335	21 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Miles card · Mastercard
Annual fee	S$196.20 incl. GST
Fee waiver	From year two, waived with S$25,000 annual spend. Paying the fee earns up to 12,000 miles.
Minimum income	S$65,000 (citizens & PRs) · S$65,000 (foreigners)
Rewards currency	HSBC Reward points (30,000 = 10,000 KrisFlyer miles; 25,000 = 10,000 Asia Miles)
How points are counted	Rounded to the nearest point
Expiry	Points expire after 37 months
Converting to miles	Instant transfer to 16 airline and 4 hotel partners; no fee currently.
Foreign-currency fee	3.25%

Good to know

HSBC's headline rates use Asia Miles; we show KrisFlyer equivalents.
S$65,000 income applies to new HSBC customers; existing customers with S$50,000+ deposits may qualify at S$30,000.

Common questions

What is the annual fee on the HSBC TravelOne?

S$196.20 a year including GST. From year two, waived with S$25,000 annual spend. Paying the fee earns up to 12,000 miles.

What income do I need for the HSBC TravelOne?

S$65,000 (citizens & PRs) · S$65,000 (foreigners).

How much will I earn with the HSBC TravelOne?

On a typical S$2,000 a month of everyday spending, about 23,760 miles a year (≈ S$356 at 1.5¢ a mile), or S$160 after the annual fee. That ranks it 22 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the HSBC TravelOne?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on HSBC's own page before applying. Found something out of date? Tell us.