HSBC TravelOne Credit Card
Redeem travel rewards instantly via the HSBC app, earn 8x points on foreign currency spend, and get 6x Plaza Premium Lounge access per year.
Get a Touch 'n Go E-Wallet Credit worth RM 1,000when you apply with CompareHero*
* T&Cs apply
Eligibility
Minimum Monthly Income
RM 8,500 (RM 102,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest BE Form with official tax receipt
- Latest 3 months salary slip/commission statement
- Latest 3 months bank statement
- Latest EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
First year free, and waived in the subsequent years when you meet an annual spend of RM20,000
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn 8x reward points on all foreign currency spend, and 5x points on local travel and dining. Redeem your points with a range of partners including Malaysia Airlines, AirAsia, Marriott Bonvoy, and more. Note that petrol, government-related, charitable, and Quasi Cash transactions are excluded from points earning.
Get 6x complimentary Plaza Premium Lounge passes per year (shared between principal and supplementary cardholders) at KLIA, Singapore Changi, and Hong Kong International Airport. Charge your full flight fare to this card and you're automatically covered with travel insurance of up to USD250,000, including travel medical, inconveniences, and COVID-19 coverage.
Want that big-ticket item without the financial hit? Convert your purchase into zero-interest instalments for up to 36 months at participating merchants.
Managing existing credit card debt? Transfer your balance to HSBC at a low one-time upfront fee of 3.88% and pay it off over 12 months.
Enjoy year-long Agoda discounts on worldwide hotel bookings, complimentary e-commerce purchase protection of up to USD1,000 when you shop online, and the option to sign up for Mastercard ID Theft Protection. Plus, get 50% off green fees at 42 golf clubs and a participating golf academy in Singapore. Terms apply.
Benefits
Auto Balance Conversion
- Automatically converts outstanding statement balances into a 36 monthly instalment plan
- Lower management fee at 13% p.a.
- No processing fee
- No early termination
Cash Advance
- Flexibility for emergency use or when a credit card payment is not acceptable
- No documents required
- 24-hour instant cash withdrawal from any ATM worldwide
Balance Transfer
- Consolidate credit card outstanding balances
- Enjoy a low 3.88% one-time upfront handling fee for 12 months of repayment tenure
- Transfer a minimum of RM1,000 only
Card Instalment Plan
- Convert dream item purchases above RM500 into flexible zero-interest instalments
- Tenures up to 36 months, available at participating merchants
Cash Instalment Plan
- Convert available credit limit (up to 60%) into cash
- Enjoy 3.88% p.a. for new-to-card customers and 4.88% p.a. for existing-to-card customers
- Monthly payment of up to 12 months
- Hassle-free thanks to an easy application process
- Examples of immediate needs: education, healthcare, vacation, wedding, renovation & furnishing
SecurePay
- - Secure transactions when making online purchases
- - Securepay One Time Password will be sent via sms for each online purchase.
Pin and Pay
- For improved financial security and to prevent credit card fraud
- A 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia.
- New credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay
- Safe purchase with just a tap for everyday purchases
Email statements
- Timely delivery of credit card statements in a secure and private manner
- No lost or misplaced statements
- No more physical filing
- HSBC Go Green Initiative - advocating a paperless environment and reducing the global carbon footprint
Balance Conversion
- Automatically converts outstanding statement balances into a 36 monthly instalment plan
- Lower management fee at 13% p.a.
- Instant Approval
- No processing fee
- No early termination
* The Bank will make a Charity Donation to Selected Charity Organizations which is equivalent to 1% of the Eligible Charity spending made by Eligible Cardholders, up to a maximum of RM500,000 per year. List of Selected Charity Organizations found at www.hsbcamanah.com.my/charities
Product review by CompareHero
Get rewarded for your travels and redeem them instantly with the HSBC TravelOne Credit Card. It's time to elevate the way you travel with airline and hotel perks you can redeem through the app.
Redeem your rewards instantly
Redeem your rewards as soon as you want to with the HSBC TravelOne Credit Card's instant redemption feature. Redeem perks from a wide selection of hotel and airline partners through HSBC Malaysia's Mobile Banking app. For most of the partner merchants, you can use your chosen reward/s as soon as you select it in the app.
Earn up to 8x Reward points
Using your HSBC TravelOne Credit Card will lead you to your desired reward fast with its accelerated Reward points, especially when it comes to travel-related spending. Below are the number of Reward points you'll receive for every spend.
| Category | HSBC Reward Points |
| All foreign currency spend | 8x reward points |
| Travel spend (airlines, hotels and travel agencies) | 5x reward points (local spend) |
| Dining spend | 5x reward points (local spend) |
| All other eligible spend | 1x reward points |
Frequently Asked Questions (FAQ)
Does the HSBC TravelOne Credit Card have additional fees and charges?
• RM25 for sales and service tax purposes
• Late payment fee of 1% or a minimum of RM10 from the overdue amount, whichever is higher. Maximum is RM100.
• Interest rate of 15% annually, provided you make the minimum monthly repayment which is 5% or RM50 from the overdue amount, depending on which amount is higher.
What are HSBC TravelOne Credit Card's main benefits?
• Up to 8x reward points on various local and international spend
• Complimentary travel insurance coverage up to USD250,000
• 6x complimentary annual access (shared between the Principal and Supplementary cardholders) to Plaza Premium Lounge in KLIA, Hong Kong and Singapore
• Exclusive year-long travel offers on Agoda!