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

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.

Updated bonus MCCs

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

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

4 mpd on online shopping

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC Revolution Visa Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on selected online spending categories up to $1,000 per calendar month, with no minimum spending requirement. The key spending categories are Online Shopping and Ride-Hailing.

All non-eligible transactions and spendings beyond $1,000 per calendar month cardholders will only earn 0.4 mpd.

This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions.

Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions like Australia, New Zealand, Mainland China, India and Istanbul.

Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

View our complete review of the HSBC Revolution Card.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
3 years from transaction
(37 months to be exact)

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points
(10,000 miles)

💲Transfer fee
Free

🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online spending (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.

📜 Terms & conditions

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

4 mpd on chosen bonus category

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

UOB Lady’s Mastercard

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on your pre-selected bonus category, up to $1,000 per calendar month, with no minimum spending requirement.

Cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.

Cardholders can choose/change a preferred bonus category every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

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💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
$27 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

DBS Woman’s World

4 mpd on online spending

Apply

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Woman’s World Mastercard

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in any currency) up to $1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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💸 Annual fee
$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above $80k, before uploading your actual proof of income that is under $80k.)

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per $5 dollar spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

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.