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HSBC TravelOne Credit Card
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HSBC TravelOne Credit Card
RM 5,000
Minimum monthly income
RM 0
Annual fee
Free for the first year, and waived in the subsequent years with an annual spend of RM20,000
15%
Interest rate p.a
3.88%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
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
Features
Good for
Travel & Rewards/Offers
Instant reward points redemptions from selected hotel and airline partners!
8x reward points on all foreign currency spending
5x reward points on local travel (hotels, airlines and travel agencies) and local dining spending
1x reward points on all other eligible spending (excluding petrol, government-related transactions, charitable transactions, Quasi Cash transactions, and any fees or charges)
6x complimentary annual access (shared between the principal and supplementary cardholders) to Plaza Premium Lounge in Hong Kong, Singapore and KLIA
Complimentary travel insurance coverage of up to USD 250,000
Year-long Agoda discounts and deals on worldwide hotel bookings
Complimentary e-commerce purchase protection plan of up to USD 1,000 when you shop online
1% charity contribution to selected organisations by HSBC
50% off green fees at 42 golf clubs and golf lessons at an academy in Singapore, valid until 15 January 2025 (T&Cs apply!)
Eligibility
| Minimum monthly income | RM 5,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year, and waived in the subsequent years with an annual spend of RM20,000 |
| Late payment fee | RM 10/1% | A minimum of RM10 or 1% of the outstanding balance, whichever is higher, up to a maximum of RM100. |
| Interest rate | 15% | Cardmembers who promptly settle their min payment due for 12 consecutive months. |
| Balance transfer rate (fixed) | 3.88% | Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year, and waived in the subsequent years with an annual spend of RM20,000 |
| Late payment fee |
RM 10/1% A minimum of RM10 or 1% of the outstanding balance, whichever is higher, up to a maximum of RM100. |
| Interest rate |
15% Cardmembers who promptly settle their min payment due for 12 consecutive months. |
| Balance transfer rate (fixed) |
3.88% Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian):
Multinational / Public listed Companies/Government/Semi-Government office
- - Photocopy of MyKad (both sides), and any 1 from below
- - EPF statement - latest original PDF copy of non-password protected statement downloaded from KWSP website/App OR
- - Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit OR
- - Letter of confirmation from employer or latest month salary slip if employed less than 3 months OR
-
- Latest Income Tax Return Form (Form BE with tax receipt) OR
- - Form EA
Other Companies
- - Photocopy of MyKad (both sides), and any 2 from below
- - EPF statement - latest original PDF copy of the non-password protected statement (latest 2 years EPF statement if contribution less than 6 months) downloaded from KWSP website/App AND/OR
- - Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit AND/OR
- - Latest 3 months salary slip AND/OR
-
- Latest Income Tax Return Form (Form BE with tax receipt) AND/OR
- - Form EA
Self-Employed (Malaysian):
- - Photocopy of MyKad (both sides), AND
- - Photocopy of Business Registration Form (established minimum 3 years), AND any 1 from below
- - Bank statement - latest 6 months original PDF copy of non-password protected statement downloaded from online banking website/App AND/OR
- - Latest Income Tax Return Form (EPF Statement or Form B with payment receipts or CP02 attached)
Expatriate:
- - Copy of passport showing personal details and work permit (must be valid for at least 1 year)
- - Latest month's salary slip
- - Letter of confirmation from employer stating position, remuneration and duration of employment
- - Minimum RM10,000 per month AND working for multinational/public listed companies/government/semi-government/HSBC corporate lending employers
For more information, you may click the link below:
Product review by 
Product review by
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 |
Earn 8x Reward points |
|
Travel spend (airlines, hotels and travel agencies) |
Earn 5x Reward points (local spend) |
|
Dining spend |
Earn 5x Reward points (local spend) |
|
All other eligible spend |
Earn 1x Reward point |
FAQs
FAQs
- - Instant rewards redemption with selected hotel and airline partners through the HSBC Malaysia Mobile Banking app
- - 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!
Yes, there's an annual fee of RM300 for the Primary/ Principal cardholders and RM150 for Supplementary cardholders. The first year is free, and continue to have it waived in the subsequent years by meeting an annual spend of RM20,000.
You need to be at least 21 years old and have a minimum annual income of RM60,000 or RM5,000 monthly, to apply for the HSBC TravelOne Credit Card.
The HSBC TravelOne Credit card has the following 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.
If you frequently travel and want to use your rewards as soon as you have the required Reward points, the HSBC TravelOne Credit Card is the right card for you with its travel perks from merchants such as Singapore Airlines, Marriott Bonvoy, Agoda and other travel partners.
