Best for Selected Online and Contactless Spending (until 31 October 2025)

• You can earn 4 miles per dollar bonus on selected online and contactless spend categories. Spending is capped at S$1,500 (13,500 Reward points) per calendar month. However, the upsized cap, contactless transactions, and travel-related spend will only be available until 31 October 2025.
• Note: Only transactions that are posted by 31 October 2025 will be eligible. 
   

Best to Use with Atome as a Workaround for Merchants Not Earning 4 Miles per Dollar

Air tickets and hotels no longer qualify for the 4 miles per dollar reward when booked directly. However, you can still earn miles by using Atome to book through platforms like Agoda, Trip.com, or other participating merchants.

To get started, I recommend signing up for a Trip.com account here to receive S$20 in coins, which you can use to offset your expenses. Next, sign up for an Atome account here to get S$10 worth of points before making any bookings.

This method allows you to split your payment over three months, helping you stay within your card’s monthly cap of S$1,000 for earning 4 miles per dollar. While you won’t earn cashback through portals like Shopback or Azgo, you can still earn rewards through your Agoda or Trip.com account.

Important Note: Some users have reported that you need to trigger manual payments for the 2nd and 3rd installments, as auto-deductions on Atome are not recorded as online transactions.

Best To Pool Points Together with other HSBC Reward Points Earning Credit Cards

• If you own the HSBC TravelOne, you can pool the points from both cards in one transfer, saving you transfer fees. HSBC just announced that the transfer fees will be waived indefinitely!

Best for Redeeming Miles with Airlines Other Than Singapore Airlines’ KrisFlyer

• With 20 transfer partners (including 8 new ones), HSBC now has the most options in Singapore for using points. See “Transfer Partners” below.
  • For example, you can use just 25K miles to redeem a one-way business class ticket with Infinity Mileagelands on Eva Air to Taiwan, Hong Kong, Japan, or Korea, instead of 35K to 40K miles on Singapore Airlines for the same flight class and destination.

Use HSBC’s Free Entertainer Program

• You can get 1-for-1 discounts for dining places etc., and 15% discounts for selected restaurants with HSBC’s ENTERTAINER programme

Exclusion List:

Buffs:

• From 1 July until 31 October 2025, HSBC made some past features available again:
  • Earn 4 miles per dollar on Contactless Payments and on Travel-Related spending category
  • Spending cap is increased to S$1,500
• Recently, HSBC announced that the rewards points conversion fee will be waived until 31 January 2025, but now, they are waived indefinitely—transferring your points is completely free!

Nerfs:

• The transfer rate from HSBC to KrisFlyer is set to be devalued. Until 16 January 2025, you can convert your rewards points at the existing rate of 25,000 points for 10,000 miles. After this date, the rate will change to 30,000 points for 10,000 miles. As a result, converting to KrisFlyer will no longer earn 4 miles per dollar.
• HSBC will only earn 0.4 miles per dollar (1x reward points) for these categories:

Advantages:

• Major upgrade after the recent buff, but only for a limited period
• No annual fee forever; saves you the hassle of calling for an annual fee waiver
• You can earn 4 miles per dollar on daily spends or 2.5% cashback
• Transfer Fee is waived indefinitely

Disadvantages:

• Nerfed so many spending categories until it’s difficult to use
• May not be a great card to spend in foreign currency even with a 4 miles per dollar earn rate

Here is the list of their current transfer partners:

• You should choose the ones with conversion rate of 25:000 to 10:000 for the best value. Since I find that conversion to hotel partners isn’t always worthwhile, so I’m sticking to airline partners.

Airline Partner	Conversion Ratio
	50,000:10,000
	35,000:10,000
	35,000:10,000
	35,000:10,000
	35,000:10,000
	35,000:10,000
	30,000:10,000
	30,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:10,000

Hotel Partners	Conversion Ratio
	30,000:10,000
	25,000:10,000
	25,000:10,000
	25,000:5,000

• When will my points be credited: Usually after 1-3 working days of the transaction posting, 1X base HSBC Points are credited. Bonus 9X HSBC Points will appear on the cardholder’s statement at the end of the second calendar month, and they will be credited by the end of the subsequent calendar month from the date of transaction.
• How long are my points valid for: 37 months. Just before it expires, you can transfer it to Krisflyer, and once the points are correctly credited into Krisflyer, you’ll receive an additional 36 months. This provides you with a considerable amount of runway—roughly six years—to burn through the miles.
• How do I claim miles for HSBC revolution: I covered it in a TikTok video here.
• Will my points still remain in my HSBC account if i carry other HSBC credit cards: Points will be pooled across all credit cards for redemption purposes, but if you’re planning to cancel a credit card, make sure to redeem all points you’ve earned on that card. If not, it will be gone.

Limited Time Bonus T&Cs (Until 31 October 2025)

Read Terms and Conditions here

Frequently Asked Questions