HSBCMastercardCredit Card

HSBC TravelOne Card

0.8 mpd local, 2.0 mpd FCY. Uncapped.

Base earn rate

0.8 MPD

Max reward rate

2 MPD

top rate

Annual fee

S$196.20

Min income

S$30,000

Local applicants

View Product Page Terms & Conditions

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Reward rules

How this card earns — every rate, cap, and condition.

Overseas Spend (2.0 mpd)

Foreign currency spend: Yes

Extracted from Terms & Conditions

4. A Cardholder earns: a) 1 Point for every SGD1 spent on Qualifying Transactions (rounded to the nearest number); and c) 5 Points for every SGD1 spent overseas (in foreign currency) on Qualifying Transactions (rounded to the nearest number). For the avoidance of doubt, this means the Qualifying Transaction is charged in a currency other than the card’s denominated currency (non-SGD in this case).

2×multiplier

Rounded per S$1

Local (0.8 mpd)

Foreign currency spend: No

Extracted from Terms & Conditions

4. A Cardholder earns: a) 1 Point for every SGD1 spent on Qualifying Transactions (rounded to the nearest number); and b) 2 Points for every SGD1 spent locally on Qualifying Transactions (rounded to the nearest number). For the avoidance of doubt, this means the Qualifying Transaction is charged in the card’s denominated currency (SGD in this case);

0.8×multiplier

Rounded per S$1

Exclusions

0×earn

No miles are earned on 48 merchant categories, including cash advances, education, entertainment and fund transfers.

Cash Advances: 6010 Financial Institutions – Manual Cash Disbursements · 6011 Financial Institutions – Automated Cash Disbursements · 6050 Quasi Cash – Customer Financial Institution · 6051 Quasi Cash / Non-Financial · 6540 Non-Financial Institutions – Stored Value Card Purchase/Load
Education: 8211 Elementary & Secondary Schools · 8220 Colleges, Universities · 8241 Correspondence Schools · 8244 Business and Secretarial Schools · 8249 Vocational and Trade Schools · 8299 Schools/Instruction Services
Entertainment: 7801 Government Licensed On-Line Casinos (On-Line Gambling) (US Region only) · 7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
Fund Transfers: 6534 Money Transfer Member · 6536 Moneysend - Intracountry · 6537 Moneysend - Intercountry · 6538 Moneysend Funding
Healthcare: 8062 Hospitals
Insurance: 5960 Direct Marketing – Insurance Services · 6300 Insurance Sales / Premiums
Retail Shopping: 5199 Nondurable Good · 7299 Other Services – Not Elsewhere Classified · 7349 Clean/Maint/Janitorial Services · 7511 Quasi Cash – Truck Stop Transactions
Telecommunications: 4829 Wire Transfer Money Orders
Transport: 7523 Automobile Parking Lots and Garages
Utilities: 4900 Utilities
Other: 6012 Financial Institutions – Merchandise, Services, and Debt Repayment · 6211 Securities — Brokers/Dealers · 6513 Real Estate Agents / Managers · 6529 Remote Stored Value Load - Member · 6530 Remote Stored Value Load - Merchant · 6532 PSP-Member-Payment Transaction · 6533 PSP-Merchant-Payment Transaction · 6555 Mastercard Imitated Rebate · 7399 Business Services (Not Elsewhere Classified) · 8398 Charitable/Social Organizations · 8651 Political Organizations · 8661 Religious Organizations · 8999 Professional Services (NEC) · 9211 Court Costs, Including Alimony and Child Support · 9222 Fines · 9223 Bail and Bond Payments · 9311 Tax Payments · 9399 Government Services (Not Elsewhere Classified) · 9402 Postal Services – Government Only · 9405 Intra-Government Purchases – Government Only · 9754 Gambling – Horse Racing, Dog Racing, State Lotteries
Specific merchants: AXS · BUS/MRT · EZ-LINK · GrabPay top-up · PayLah! · PayNow · SimplyGo · Singtel Dash · TRANSIT

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