Nerfed: HSBC Revolution will stop awarding 4 mpd on most hotel/accommodation spending

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The HSBC Revolution card has updated its rewards terms and conditions to exclude 2 key hotel/accommodation Merchant Category Codes (MCCs) from earning bonus points, starting next year.

Removed bonus categories

From 1 January 2024, transactions with the following MCCs will stop earning bonus points:

4722 (Travel Agencies and Tour Operators)
7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services (Not Elsewhere Classified)

So, what does this mean in layman’s terms?

In other words, MCC 4722 transactions at online travel/tour agencies will no longer get you an earn rate of 4 miles per dollar (mpd).

❌ Agoda
❌ Expedia
❌ Trip.com
❌ Klook
❌ Pelago

Newly-excluded MCC 7011 covers a wide range of transactions too, including some lodging/hotel operators like ❌ Airbnb and ❌ some hotels.

Accommodations that will continue to earn bonus points

However, larger chain hotels, like those under Marriott Bonvoy, World of Hyatt or Hilton may have their own MCCs, which will still earn you bonus points going forward.

This includes:

  • Sheraton (MCC 3503)
  • Hilton (MCC 3504)
  • Marriott (MCC 3509)
  • Intercontinental (MCC 3512)
  • Hyatt (MCC 3640)

If it wasn’t clear, the keyword is MAY. Some major chain hotels may still use MCC 7011, which will not earn any bonus points on this card.

Because of this uncertainty, I will stop using this card for anything related to accommodations.

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Updated bonus MCCs

Here’s the updated table of MCCs that will be awarded bonus points (from 1 Jan 2024):

CategoryMerchant Category
Codes (MCCs)
Travel-related such as
Airlines, Car Rental,
Lodging, Cruise Lines
and Travel Agencies
3000 to 3350,
3351 to 3500,
3501 to 3999,
4411, 4511
Department Stores
and Retail Stores
4816, 5045, 5262, 5309,
5310, 5311, 5331, 5399,
5611, 5621, 5631, 5641,
5651, 5655, 5661, 5691,
5699, 5732 to 5735, 5912,
5942, 5944 to 5949,
5964 to 5970, 5992, 5999
Supermarkets, Dining
and Food Delivery
5411, 5441, 5462, 5499,
5811, 5812, 5813, 5814
Others such as
Transportation and
Membership Clubs
4121, 7997
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Should you keep or cancel the card?

The HSBC Revolution Visa card has been in Suitesmile’s list of must-have cards in Singapore for many years.

This is because, cardholders can receive a great 4 mpd earn rate on key spending categories like:

✅ Dining (Contactless)
✅ Groceries (Online or Contactless)
✅ General Shopping (Online or Contactless)
✅ Food Delivery (Online)
✅ Ride-Hailing (Online)
✅ Flight Tickets (Online or Contactless)
✅ Car Rental (Online or Contactless)
❌ Hotels/Lodging (Online or Contactless)
❌ Tour Agencies (Online or Contactless)

While it hurts to lose the ability to earn 4 mpd on accommodations and tour agencies, HSBC Revolution will continue to be a must-have card because of the other key categories, and for the following reasons:

✅ No annual fee, ever
✅ No minimum spending required to earn 4 mpd (max. $1,000 per month)
✅ 3-year points validity (from earned month)
✅ Option to redeem points as cashback (4 mpd = 2.5% cashback)

💡Click on the + More info button below to instantly view the key details of the card.

HSBC Revolution

Earn 4 mpd or 2.5% cashback on selected online/contactless spending

+ Card Summary

Alternative cards for those excluded categories

You can continue to earn 4 to 6 mpd on travel agency and accommodation transactions with MCCs 4722 and 7011 on the following cards:

UOB Lady’s

Earn 4 mpd on chosen bonus category

+ Card Summary

DBS Woman’s World

Earn 4 mpd on online spending

+ Card Summary

Bottom line

From 1 Jan 2024, HSBC Revolution cardholders will stop receiving 4 mpd on travel agency and most accommodation spending.

However, due to its hassle-free nature, the card will continue to be essential for mile-chasers in Singapore, albeit with a little less shine.

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