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HSBC · Mastercard · Miles

HSBC TravelOne Mastercard

Earns
0.38 miles per RM Overseas
Lounge
6 visits a year Plaza Premium
Min income
RM102,000 a year
Annual fee
RM300 Waived at RM20,000 spend a year
See it on HSBC's site

Good for

  • Foreign currency spend earns 8 points per RM1, on up to RM2,857 a month.
  • Points move to airline and hotel partners instantly in the HSBC app.
  • 6 Plaza Premium lounge visits a year, shared with supplementary cards.

Watch out

  • Spend outside foreign currency, local travel and local dining earns 1 point per RM1.
  • Petrol, government and JomPAY payments earn no points.
  • Lounge visits work only at KLIA, Singapore Changi and Hong Kong.

What it earns

Reward Points, per RM spent. Each row says what the points are worth.

SpendingEarnsDetails
Spending in a foreign currency8 points per RM On the first RM2,857 a month. 0.38 miles per RM with Enrich, or 0.32 miles per RM with KrisFlyer or Asia Miles.
Airlines (direct), Hotels (direct) and OTAs (Agoda, Booking, Expedia) in ringgit5 points per RM On the first RM2,500 a month. 0.24 miles per RM with Enrich, or 0.2 miles per RM with KrisFlyer or Asia Miles.
Dining in ringgit5 points per RM On the first RM2,500 a month. 0.24 miles per RM with Enrich, or 0.2 miles per RM with KrisFlyer or Asia Miles.
Everything else1 point per RM 0.05 miles per RM with Enrich, or 0.04 miles per RM with KrisFlyer or Asia Miles.
Petrol, Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

Points and transfers

Enrich
21 points for 1 miles Moved in blocks of 21 points.
KrisFlyer
25 points for 1 miles Moved in blocks of 25 points.
Asia Miles
25 points for 1 miles Moved in blocks of 25 points.

Travel

Airport lounges
6 free visits a year Plaza Premium. KLIA, Singapore Changi and Hong Kong. Shared with supplementary cardholders. One visit a day, up to 3 hours. Guests 12 and over get 25% off.
Overseas spending fee
1% 1% HSBC conversion cost, plus any fee Visa or Mastercard adds.

Insurance

Free. Register before you travel; one registration covers trips that start within 12 months. Pay the full fare with this card, or with its points. For cardholders aged 18 to 69.

Medical bills on a trip
Up to USD250,000 For injury or sickness on the trip, including emergency evacuation. Your spouse and children are covered too, at 50% of each limit.
Trip canceled or cut short
Up to USD2,500 Delays over 4 hours and missed connections up to USD250. Luggage up to USD2,500, USD625 an item; bags over 4 hours late up to USD250.
Shopping and fraud cover
Online purchases up to USD200 A Mastercard e-commerce cover, separate from the travel cover.
Insurer
AIG Malaysia Insurance Claims go to AIG, not HSBC.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM300 Free the first year. Waived if you spend RM20,000 in a year.
Extra (supplementary) cards
RM150 a year Plus RM25 service tax each year.
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
RM8.70 fee per withdrawal Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days. An unpaid cash advance also cancels the interest-free days on your other spending. HSBC also adds a handling charge at ATMs.
Replacement card
RM50

Who can apply

Income
RM102,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad, both sides
  • Employees: the latest EPF statement, plus 3 months of payslips, a commission statement, 3 months of bank statements, or Form BE with the tax receipt
  • Self-employed: business registration or trading license, plus 6 months of bank statements, the latest EPF statement, or Form B with the tax receipt or CP02
Foreigners must work for a multinational, listed or government employer, or an HSBC corporate lending employer. They need a passport, a work permit valid at least 1 year, a letter from the employer and 3 months of payslips or bank statements.

Other perks

Pay by phone
Apple Pay, Google Pay, Samsung Pay Add it in Apple, Google or Samsung Wallet, then verify it in the HSBC Malaysia app. A supplementary card needs the main cardholder to call HSBC.
Card network
Mastercard

Where this comes from