✈️ HSBC Malaysia · iMoney Affiliate

HSBC TravelOne Credit Card Malaysia 2026 Review

8x reward points on all overseas spend (RM2.62/mile). 6 free Plaza Premium lounge visits/year. USD250,000 travel insurance. First year annual fee FREE.

✈️ 8x Miles Overseas🛋️ 6 Lounge Visits/Year🔒 USD250k Insurance

✅ Our Verdict

Best travel miles card in Malaysia for frequent international travellers who can meet the RM8,500/month income threshold. The 8x overseas earn rate (RM2.62/mile) is the strongest foreign-currency rate among Malaysian credit cards. 6 free lounge visits alone cover the RM300 annual fee in value. If you travel internationally 3+ times a year, this card pays for itself.

Miles Earn Rate — How Much Per Ringgit?

Spend Category	Reward Points	Cost Per Mile
Overseas spend (all foreign currencies)	8x points	RM2.62/mile
Local travel & dining	5x points	RM4.20/mile
All other local spend	1x points	RM21.00/mile

Effective cost per mile calculated at 8 points = 1 mile. Transfer at 1:1 ratio to airline partners. Source: HSBC Malaysia official terms.

💳 HSBC Malaysia8x points overseas · 6 free lounge visits · USD250k travel insurance

Earn miles at RM2.62/mile on all overseas spend — transfer to 8 partners instantly

Best travel miles card in Malaysia for frequent flyers. Earn 8x reward points on every foreign currency transaction, redeem instantly via the HSBC app to AirAsia, Enrich MH, KrisFlyer, Avios and more.

Overseas spend (all currencies)	8x pts · RM2.62/mile
Local travel & dining	5x pts · RM4.20/mile
All other local spend	1x pts
Airport lounge (Plaza Premium)	6 visits/year free
Annual fee	RM300 (1st year FREE)

✈️8 transfer partners: AirAsia, Enrich MH, KrisFlyer, Avios + Marriott, IHG
🛋️6 free Plaza Premium lounge visits/year — KLIA, Changi, Hong Kong
🔒Travel insurance up to USD250,000 incl. COVID-19 & flight delay

Apply HSBC TravelOne — Earn Miles on Every Overseas Spend →

Commission via iMoney. Min. income RM102,000/year (RM8,500/month). Annual fee RM300 — waived year 1 and with RM20,000 annual spend thereafter.

8 Transfer Partners — Airlines & Hotels

Transfer points instantly via HSBC Malaysia app. All partners at 1:1 ratio.

AirAsia BIG Points

Airlines

1:1

Malaysia Airlines Enrich

Airlines

1:1

Singapore Airlines KrisFlyer

Airlines

1:1

British Airways Avios

Airlines

1:1

Qatar Avios

Airlines

1:1

Cathay Pacific Asia Miles

Airlines

1:1

Marriott Bonvoy

Hotels

1:1

IHG One Rewards

Hotels

1:1

Key Benefits Breakdown

🛋️ Plaza Premium Lounge Access

• 6 complimentary visits/year
• Locations: KLIA, KLIA2, Changi, Hong Kong, London + more
• Market rate: ~RM100–RM150 per visit
• 6 visits = RM600–900 in annual value
• Additional visits chargeable at member rate

🔒 Travel Insurance Coverage

• Coverage: up to USD250,000
• Covers: medical emergencies, evacuation
• Flight delay compensation
• Lost/damaged baggage
• COVID-19 included
• Activate: charge travel to HSBC TravelOne

Pros & Cons

✅ Pros

•8x points on ALL overseas spend — not category-limited
•Instant transfer to 8 airline + hotel partners via HSBC app
•6 free Plaza Premium lounge visits/year (KLIA, Changi, Hong Kong + more)
•Travel insurance USD250,000 — covers COVID-19, flight delay, baggage
•First year annual fee FREE (RM300 value)

⚠️ Cons

•Min income RM102,000/year (RM8,500/month) — high threshold
•Annual fee RM300 from year 2 (waived at RM20,000 annual spend)
•1x points on non-travel local spend — low earn rate locally
•Plaza Premium lounge visits capped at 6/year (not unlimited)

Who Should Apply?

✅ Apply if you…

• Earn ≥RM8,500/month (RM102,000/year)
• Travel internationally 3+ times per year
• Want to accumulate miles for AirAsia, MH, or SQ
• Value lounge access at KLIA or Changi
• Spend a significant portion overseas on business

⏸️ Skip if you…

• Earn below RM8,500/month (won't qualify)
• Rarely travel internationally
• Prefer cashback over miles
• Want unlimited lounge access (consider CIMB Infinite)
• Spend mostly locally (1x points rate too low)

HSBC TravelOne vs Other Travel Cards

Card	Overseas Rate	Lounge	Annual Fee	Min Income
HSBC TravelOne	8x pts (RM2.62/mile)	6 visits/yr	RM300	RM8,500/mo
CIMB Visa Infinite	5x pts	Unlimited*	FREE for life	RM5,000/mo
Maybank World Mastercard	5x pts	Unlimited*	RM800	RM15,833/mo

*CIMB & Maybank unlimited lounge subject to minimum annual spend conditions. Source: official bank websites, 2026.

💳 HSBC Malaysia8x points overseas · 6 free lounge visits · USD250k travel insurance

Earn miles at RM2.62/mile on all overseas spend — transfer to 8 partners instantly

Overseas spend (all currencies)	8x pts · RM2.62/mile
Local travel & dining	5x pts · RM4.20/mile
All other local spend	1x pts
Airport lounge (Plaza Premium)	6 visits/year free
Annual fee	RM300 (1st year FREE)

✈️8 transfer partners: AirAsia, Enrich MH, KrisFlyer, Avios + Marriott, IHG
🛋️6 free Plaza Premium lounge visits/year — KLIA, Changi, Hong Kong
🔒Travel insurance up to USD250,000 incl. COVID-19 & flight delay

Apply HSBC TravelOne — Earn Miles on Every Overseas Spend →

Commission via iMoney. Min. income RM102,000/year (RM8,500/month). Annual fee RM300 — waived year 1 and with RM20,000 annual spend thereafter.

💡 Earn miles AND grow wealth: Redeem miles for flights, but also invest RM500/month in global markets. RM500/month for 30 years at 10% p.a. = RM1.13 million. moomoo gives access to US ETFs, REITs & Bursa stocks.

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RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

Plus up to RM1,800 in new user rewards. SC Malaysia licensed. Invest in US, HK & Bursa stocks from one app.

Monthly DCA growth at 10% p.a. (S&P 500 hist avg)

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

✅SC Malaysia licensed — regulated & safe
🎁Up to RM1,800 in new user rewards on sign-up
🌍US, HK & Bursa Malaysia stocks in one app

Open moomoo Account & Claim Rewards →

*Complete deposit & first trade via this link to track rewards · T&Cs apply · RM100 coupon ≥RM1,000 deposit · AAPL stock ≥RM30,000 deposit.

Frequently Asked Questions

What is the HSBC TravelOne Credit Card Malaysia?

The HSBC TravelOne is HSBC Malaysia's flagship travel miles credit card for 2026. It earns 8x reward points on all overseas (foreign currency) transactions, equivalent to RM2.62 per mile. Points transfer instantly to 8 airline and hotel partners including AirAsia BIG, Enrich (MH), KrisFlyer (SQ), Avios, Marriott, and IHG. Annual fee RM300 (first year FREE).

What is the minimum income for HSBC TravelOne in Malaysia?

HSBC Malaysia requires a minimum annual income of RM102,000 (RM8,500/month) for ALL HSBC credit cards as of 2025. This represents a significant increase from earlier requirements. The TravelOne is designed for frequent international travellers with above-average income — if your income is RM5,000–8,000/month, consider the CIMB Visa Infinite (RM60,000/year) as an alternative.

How do HSBC TravelOne reward points work?

HSBC Reward Points earned: 8 points per RM1 spent overseas, 5 points per RM1 on local travel & dining, 1 point per RM1 on all other local spend. Transfer to partner airlines/hotels at 1:1 ratio. At 8x rate, you need RM2.62 of overseas spend to earn 1 mile — one of the best rates for foreign spend in Malaysia. Transfer is instant via HSBC Malaysia app.

Is the RM300 annual fee worth it for HSBC TravelOne?

Yes — if you travel internationally at least twice a year. 6 free Plaza Premium lounge visits = ~RM600 value (at RM100 per visit). Travel insurance USD250,000 = would cost RM100–300 per trip to buy separately. First year is FREE. From year 2, spend RM20,000/year to waive. Break-even: just 3 lounge uses per year covers the RM300 fee.

How does HSBC TravelOne compare to CIMB Visa Infinite?

HSBC TravelOne vs CIMB Visa Infinite: TravelOne earns 8x overseas (RM2.62/mile) vs CIMB's 5x overseas; TravelOne has 6 lounge visits/year vs CIMB's unlimited (if RM60,000 annual spend). Income: TravelOne requires RM102k vs CIMB RM60k. Annual fee: TravelOne RM300 vs CIMB FREE for life. Winner: TravelOne for miles earn rate; CIMB for lounge access and income accessibility.

Can I transfer HSBC TravelOne points to AirAsia?

Yes — HSBC TravelOne points transfer to AirAsia BIG Points at 1:1 ratio, instantly via the HSBC Malaysia app. You can also transfer to Enrich (Malaysia Airlines), KrisFlyer (Singapore Airlines), Avios (British Airways/Qatar), Cathay Pacific Asia Miles, Marriott Bonvoy, and IHG One Rewards. Minimum transfer thresholds may apply per partner.

✈️ Best Travel Credit Card Malaysia

HSBC TravelOne vs CIMB Infinite vs Maybank World — compared

💰 Best Cashback Credit Card

UOB ONE 10%, RHB Shell 12%, Alliance 5% — for non-travellers

📊 Credit Card Min. Income Malaysia

RM24k to RM240k — full tier breakdown

🔵 UOB ONE Card Malaysia

10% cashback on petrol, dining, groceries & Grab

HSBC TravelOne Credit Card Malaysia 2026 Review

Miles Earn Rate — How Much Per Ringgit?

Earn miles at RM2.62/mile on all overseas spend — transfer to 8 partners instantly

8 Transfer Partners — Airlines & Hotels

Key Benefits Breakdown

Pros & Cons

Who Should Apply?

HSBC TravelOne vs Other Travel Cards

Earn miles at RM2.62/mile on all overseas spend — transfer to 8 partners instantly

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

Frequently Asked Questions

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