Update (3 July 2025): Applications for the HSBC Visa Infinite Credit Card are temporarily paused. For the latest information, please refer to the official HSBC Singapore website.

For Singaporean travelers seeking efficient miles accumulation, HSBC's four popular credit cards — Revolution, Premier Mastercard, Visa Infinite, and TravelOne — offer differentiated miles earning and redemption schemes. These cards not only support converting points to Singapore Airlines KrisFlyer miles but also cover practical benefits such as travel insurance, airport lounge access, and cashback. This article, combined with HSBC's mileage program rules, will help you find the most suitable card.

I. Key Considerations When Choosing a Miles Card

1. Income requirements: Vary between local citizens/PRs and foreigners, ranging from SGD 30,000 to SGD 120,000.
2. Annual fee costs: From free (Revolution) to SGD 662.15 (Visa Infinite), with some cards offering first-year waivers.
3. Points efficiency: Overseas spending typically yields 1-2 times more miles than local spending; for example, TravelOne earns 2.5 miles per SGD 1 on overseas spending.
4. Additional value: Number of lounge accesses, travel insurance, exclusive services (e.g., airport transfers with Visa Infinite), etc.

II. In-Depth Comparison of Popular HSBC Miles Cards

Basic Information (Income Requirements + Annual Fees)

Points Earning Rate (Per SGD 1 Spent)

Comparison of Core Benefits

III. Detailed Analysis of HSBC's Four Popular Miles Cards: Use Cases and Core Advantages

The following analyzes the core features of HSBC's Revolution, Premier Mastercard, Visa Infinite, and TravelOne miles cards, covering income thresholds, points rules, exclusive benefits, and target users to help you find the perfect match.

1. HSBC Revolution Credit Card

• Income requirement: SGD 30,000 for local residents, SGD 60,000 for foreigners.
• Annual fee: Lifetime free, no hidden costs.
• Points rules:
  • Online spending (including e-commerce, dining): 10x points per SGD 1, equivalent to 3.3 miles/SGD 1 (based on 3:1.2 conversion rate).
  • Other spending: 1x base points, suitable for daily small purchases.
• Features:
  • Supports secured card application with SGD 10,000 deposit, ideal for users with limited credit history.
  • New customers receive high-value welcome gifts (e.g., SGD 200 worth of vouchers).
• Suitable for: Frequent online shoppers, budget-conscious young consumers.

2. HSBC Premier Mastercard

• Eligibility: Exclusive to HSBC Premier customers.
• Annual fee: SGD 490.50, with first-year waiver upon meeting targets (e.g., asset thresholds).
• Points rules:
  • Local spending: 1.2 miles/SGD 1.
  • Overseas spending: 2 miles/SGD 1, suitable for cross-border travel or business expenses.
• Premium benefits:
  • Priority Pass: Unlimited global airport lounge access.
  • Travel insurance: Covers flight delays, lost luggage, and other risks.
• Suitable for: HSBC high-net-worth clients, frequent international business travelers.

3. HSBC Visa Infinite Credit Card

• Application status: Currently suspended; resumption date pending.
• Income requirement: SGD 120,000 (Singapore citizens/PRs) or higher.
• Annual fee: SGD 662.15, no first-year waiver.
• Points rules:
  • Local spending: 1 mile/SGD 1.
  • Overseas spending: 2 miles/SGD 1.
• Top-tier benefits:
  • Global lounge network: 1,100+ airport lounges, with guest access allowed.
  • Exclusive services: 24/7 personal concierge, premium hotel privileges, airport transfers.
• Suitable for: High-income elites, users seeking ultimate travel experiences.

4. HSBC TravelOne Credit Card

• Income requirement: SGD 30,000 - SGD 60,000.
• Annual fee: SGD 196.20, with next-year waiver for new customers meeting spending targets.
• Points rules:
  • Local spending: 1.2 miles/SGD 1.
  • Overseas spending: 2.5 miles/SGD 1 (highest in its category), especially suitable for cross-border e-commerce and flight bookings.
• Practical benefits:
  • Lounge access: 4 annual DragonPass lounge visits.
  • Travel insurance: Up to SGD 1M coverage, including medical expenses and trip cancellations.
• Suitable for: Middle-income travelers, users balancing local and overseas spending.

IV. HSBC Points Redemption Rules and Strategies

• Redemption options:
  • Airline miles: Supports Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, etc.
  • Hotel stays: Points for Marriott, InterContinental, and other hotel chains.
  • Others: Gift cards, charity donations, cashback (selected cards).
• Conversion rate comparison:
  • Premier/TravelOne: 3 HSBC points = 1.2 miles (i.e., 1 point = 0.4 miles).
  • Visa Infinite: 2.5 HSBC points = 1 mile (i.e., 1 point = 0.4 miles).
  • Revolution: 10x points require conversion via points pool, with actual mileage efficiency of ~3.3 miles/SGD 1 on online spending.
• Operation guide:
  • Log in to HSBC mobile app, navigate to "Rewards Portal" to check real-time rates.
  • Priority is recommended for high-value airline miles (e.g., Singapore Airlines business class), followed by hotel points.

V. Scenario-Based Selection Recommendations

• Frequent online shoppers: Choose Revolution for 10x points plus e-commerce discounts, maximizing net benefits.
• Heavy overseas spenders: TravelOne's 2.5 miles/SGD 1 rate is optimal for代购 (daigou) and cross-border payments.
• High-net-worth clients: Premier Mastercard offers unlimited lounges + premium insurance, with annual fees waivable via assets.
• Long-term planners: While Visa Infinite is paused, use TravelOne as a temporary solution and monitor resumption updates.

VI. Notes

1. Cost offset: Foreign transaction fees are generally 3.25% — calculate if points value covers the fee.
2. Points validity: Most cards have 2-3 year expiry — redeem promptly.
3. Policy changes: Benefits may be adjusted by the bank — verify latest terms on the official website before applying.

Conclusion

Choosing an HSBC miles card hinges on balancing spending habits and benefit value. For flexibility, TravelOne offers the best all-round performance; for premium services, Premier Mastercard excels. Calculate net benefits based on annual spending, and prioritize first-year fee-free cards (e.g., Revolution or TravelOne) for trial before upgrading.