HSBC TravelOne Credit Card
8x Reward Points per RM1 overseas (≈0.38 Air Miles/RM1 after 21:1 conversion)
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
HSBC TravelOne Credit Card overview
The HSBC Malaysia HSBC TravelOne Credit Card is a Card-tier Visa miles card built around air miles. 8x Reward Points per RM1 overseas (≈0.38 Air Miles/RM1 after 21:1 conversion). It best suits high-income earners, with a minimum income requirement of RM102,000 a year. It has an annual fee of RM300 (free 1st year; then waived with rm20,000/yr retail spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓8x Reward Points per RM1 on foreign-currency spend
- ✓5x Reward Points per RM1 on local travel (hotels, airlines, travel agencies)
- ✓5x Reward Points per RM1 on local dining
- ✓1x Reward Points per RM1 on all other spend — convertible to Enrich, KrisFlyer, Asia Miles, AirAsia BIG & 10+ airlines
- ✓6 complimentary Plaza Premium lounge visits/yr
- ✓Free travel insurance up to USD250,000 (incl. COVID-19)
Is the HSBC TravelOne Credit Card worth it?
The HSBC TravelOne Credit Card is best suited to high-income earners — its minimum income requirement is RM102,000 a year (about RM8,500 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (free 1st year; then waived with rm20,000/yr retail spend)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −RM300 annual fee unless the waiver condition is met
- −Higher income requirement — RM102k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — HSBC Malaysia sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the HSBC TravelOne Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- Converted at the Visa International rate plus a 1% foreign-currency conversion cost, plus any transaction fee Visa charges (official Mar 2026 Product Disclosure Sheet).
- Fee waiver
- No annual fee in year 1. From year 2, the RM300 annual fee is waived with RM20,000 retail spend in the 12 months before the annual-fee charging date (excludes cash advances, instalment plans, fees & charges, taxes and disputed transactions).
Verified 11 August 2026. Summarised in our own words from HSBC Malaysia's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official HSBC TravelOne Credit Cardterms & product disclosure →HSBC TravelOne Credit Card FAQ
You need a minimum annual income of RM102,000 (about RM8,500 a month). HSBC Malaysia also considers your overall credit standing.
The annual fee is RM300, but it can be waived: free 1st year; then waived with rm20,000/yr retail spend.
It earns air miles. 8x Reward Points per RM1 overseas (≈0.38 Air Miles/RM1 after 21:1 conversion).
No — the HSBC TravelOne Credit Card is a conventional credit card. Check with HSBC Malaysia for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "8x Reward Points per RM1 overseas (≈0.38 Air Miles/RM1 after 21:1 conversion)". Weigh the RM300 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the HSBC TravelOne Credit Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with HSBC Malaysia before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by HSBC Malaysia; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.