HSBC TravelOne Credit Card

Enjoy instant reward redemptions with TravelOne Credit Card! Get up to 8x reward points, complimentary travel insurance and annual passes to selected airport lounges.

HSBC TravelOne Credit CardUp to 8x reward points!
Min. Income
RM5,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM4567
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

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Rewards

Enjoy 8x reward points on all spending using foreign currencies, and 5x reward points on local travelling expenses, including dining spend. Collect as many reward points as you can and redeem them with various redemption partners. Please note that petrol, government-related transactions, charitable transactions, Quasi Cash transactions, and any fees or charges are excluded from reward points earning.

HSBC Reward Points
EarnSpend
8 points on every RM1on all foreign currency spend
5 points on every RM1on local travel spend (hotels, airlines and travel agencies)
5 points on every RM1on local dining spend
1 point on every RM1on all other eligible spend

Travel

Get 6x complimentary annual passes (shared between the Principal and Supplementary cardholders) to participating Plaza Premium Lounge in KLIA, Singapore Changi Airport and Hong Kong International Airport. Moreover, complimentary travel insurance coverage of up to USD 250,000, inclusive of travel medical and inconveniences plus COVID-19, provided you charge the full fare of your flight ticket(s) with this TravelOne credit card.

Premium

Valid for the booking period until 31 December 2024, enjoy a 10% Agoda discount on worldwide hotel booking with your TravelOne Credit Card with the stay period validity from now until 31 December 2025. Plus, get curated deals and the chance to sign up for ID Theft Protection™ exclusively by Mastercard, including complimentary E-Commerce Purchase Protection of up to USD1,000 when you shop online. HSBC will also contribute 1% on every charitable donation you make to their supported charities. Additionally, enjoy 50% off green fees at 42 golf clubs and golf lessons at a participating golf academy in Singapore, valid until 15 January 2025. All perks are subject to terms and conditions.

Balance Transfer

Start managing your credit card debt with the HSBC Balance Transfer Instalment program for 12 months with a low 3.88% one-time upfront fee.

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a. and 3.88%one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Instalment

Easy Payment Plans

Get any of your dream items instantly with a 0% p.a. instalment for up to 36 months at over 500 participating merchants.

HSBC Card Instalment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,500
24 months0% p.a. and no one-time upfront handling feeRM2,000
36 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about HSBC Card Instalment Plan

Fees & Charges

Annual Fee
  • RM300 primary card

    First year free and waived when you spend a minimum of RM20,000 or above per year on the subsequent years

  • RM150 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
HSBC Card Instalment Plan
Enjoy a 0% interest rate on tenure as long as 36 months at zero fees. Never have to worry about money when you can convert it HSBC Card Instalment Plan.
Cash Advance / Cash Loan
HSBC Cash Instalment Plan
Take care of your immediate needs with HSBC. New-to-card customers get as low as 3.88% p.a. while existing-to-card customers enjoy 4.88% p.a. over a 12-month tenure. Both customers have the flexibility to borrow up to 60% of their credit limit. Reach out to the bank for more details!
Balance Transfer Plans
HSBC Balance Transfer Instalment
Enjoy a low 3.88% one-time upfront payment fee and have the flexibility to stretch your payment over a 12-month tenure. Get back in control of your finances!

Review

The all-new HSBC TravelOne Credit Card is here, offering avid travellers an abundance of travelling goodness in this 100% recycled plastic credit card.

HSBC TravelOne Credit Card offers impeccable travel privileges

What’s a travel credit card without the travel perks, right? With this credit card, you will earn rewards points on selected spending categories, complimentary passes to selected Plaza Premium Lounge for international travel, and travel insurance coverage. Read more below.

  • Up to 8x reward points to earn

If you fancy shopping abroad using foreign currencies, you can get 8x rewards points for every RM1 spent. Spending on dining and local travel expenses such as hotels, airlines and travel agencies, on the other hand, gets you 5x rewards points. 

Moreover, 1x rewards points on all other eligible spendings, except for fees/applicable tax, cash advances and the like, including petrol, government-related transactions, etc as stated in the T&C.

  • 6x complimentary annual access to participating Plaza Premium Lounge

Travelling is a tiring activity and a chance to escape the hustle and bustle of the airport is much appreciated. With this TravelOne credit card, you get 6x free passes every year to access the Plaza Premium Lounge at KLIA, Changi Airport and Hong Kong International Airport. 

This benefit applies to your supplementary cardholder(s) as well. Your accompanying guest(s) aged 12 years and above get a 25% discount on the walk-in rates, while guest(s) aged 3 to 12 years get a 30% discount. 

For a full list of participating Plaza Premium lounges and the T&C, please click here.

  • Complimentary travel insurance coverage of up to USD 250,000

Travel with peace of mind knowing that you and your family are covered with travel insurance of up to USD 250,000. Simply charge the full fare of your flight ticket(s) with the HSBC TravelOne Credit Card to enjoy this privilege.

This travel insurance includes travel medical expenses and travel inconveniences like flight and baggage delays, baggage loss, COVID-19, etc. Terms apply.

  • Exclusive year-long deals on Agoda

Valid for the booking period until 31 December 2024, enjoy a 10% Agoda discount on worldwide hotel booking with your HSBC TravelOne credit card. The stay period validity is until 31 December 2025. Check out this Agoda page for more details and T&C.

Quick rewards point redemption

One of the key features of the HSBC TravelOne Credit Card is the availability to make rewards point redemptions instantly via the HSBC Malaysia Mobile Banking app. You can redeem the accumulated points with a range of partners such as Malaysia Airlines, and notable hotel chains such as Marriott Bonvoy. But please note that the reward point is valid and redeemable within 3 years only.

With this instant redemption feature by HSBC, you may expect that most of the redemptions will be processed in real-time, however, this also highly depends on the participating partners’ redemption process. You can find more details in the terms and conditions.

Flexible credit lines for your shopping convenience

  • HSBC 0% Card Instalment Plan

As a cardholder of HSBC TravelOne, you can benefit from a 0% Card Instalment Plan to split your big-ticket item purchases for up to 36 months. Click here to see the participating merchants.

  • Balance Conversion Plan

Other than the 0% instalment plan above, you can otherwise convert your retail purchases into flexible and affordable monthly instalments at a preferential rate as low as 1.88% upfront for 6 months. Find out more details on this page.

Am I eligible to apply for HSBC TravelOne Credit Card?

Anyone aged 21 years and over that are earning an annual income of at least RM60,000 is eligible to apply as a Primary cardholder for this TravelOne credit card. If you wish to apply for a supplementary card, the cardholder must be at least 18 years of age.

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