HSBC TravelOne Credit Card
Local purchases earn 3X Reward points (up to 1.2 miles per S$1); foreign-currency purchases earn 6X (up to 2.4 miles). Redeem with participating airline and hotel programmes in the HSBC app.
Benefits & important limits
- Local purchases earn 3X Reward points (up to 1.2 miles per S$1); foreign-currency purchases earn 6X (up to 2.4 miles). Redeem with participating airline and hotel programmes in the HSBC app.
- Four complimentary lounge visits per calendar year for the primary cardholder through Mastercard Travel Pass by DragonPass. Register in the Mastercard Travel Pass app; guest visits are not automatically free.
- Renewal fee waiver requires more than S$25,000 yearly spending. Paying the renewal fee from 1 January 2026 earns 30,000 Reward points, worth up to 12,000 miles depending on the airline.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First year waived; later waiver with more than S$25,000 yearly spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Airport lounge access
Four complimentary lounge visits per calendar year for the primary cardholder through Mastercard Travel Pass by DragonPass. Register in the Mastercard Travel Pass app; guest visits are not automatically free.
Participating lounge directory ↗ · Lounge programme details ↗
Eligibility & work passes
New customers and existing customers with total relationship balance below S$50,000 need S$65,000 yearly income. Existing customers with at least S$50,000 TRB: local salaried S$30,000; local self-employed / commission earners S$40,000. Foreign applicants need S$65,000 in either case. HSBC names EP and S Pass in its documents; passport / pass validity and income documents are required.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract up to 3.25% in conversion and administrative fees. Rewards do not cancel these charges; overseas SGD and DCC transactions follow separate rules.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.