Flash Deal: Get 20% off Scoot bookings with HSBC cards (Nov 2024)

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points transfers

0.4 mpd earn rate on non-bonus spending
Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
Bonus categories are MCC-sensitive
3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waivable; always comes with 12,000 miles)

 Get 4 free airport lounge visits per calendar year ^{Get 4 free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 3-year points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points transfers

Low earn rates (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2.4 mpd on foreign currency spending Poor transfer ratio to KrisFlyer
3.25% foreign transaction fee

📄 Quick review

More information on the

HSBC TravelOne Card

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.4 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

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.

Cardholders are also entitled to 4 free airport lounge visits (via DragonPass) per calendar year. For example, if you apply for the card in March 2026, you will get 4 free visits for the current year, plus 4 more free visits from 1 January the following year.

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.

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💸 Annual fee
S$196.20
(Get 30k points (12k miles) when you pay the annual fee from the 2nd year onwards. Get first-year waiver, if you don’t want the sign-up bonus.)

💼 Income requirement
S’porean/PR: S$30,000-S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
4 free visits per calendar year
(via DragonPass)

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

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, BA 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
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 1.5% cashback on almost everything with no minimum spending
 Get +1% cashback (total 2.5%) when spending more than S$2,000 per calendar month, up to S$2,800.

Low earn rate when spending less than S$2,000/month (spend with better cashback cards)
3.25% foreign transaction fee

📄 Quick review

More information on the

HSBC Advance Card

Suitesmile rating:

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✍️ Short summary
This card gives you 1.5% cashback on almost everything, with no minimum spending required. Cardholders can receive an additional 1% cashback when they spend more than S$2,000 in a calendar month. Monthly cashback amount is capped at S$70 (S$2,800 worth of spending).

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.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000-S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of next calendar month.

📜 Terms & conditions

🎁 Sign-up promo