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LoungeKey HSBC Premier Airport Lounge List – What’s the Choice?

March 3, 2020 By Ben @ Thrifty Points 2 Comments

A number of UK credit cards offer complimentary lounge access as a perk to encourage consumers to sign up to the premium version of their card.  Today we’ll be looking at the pass offered exclusively by HSBC – LoungeKey.

For those who travel regularly, access to lounges with the likes of the complimentary LoungeKey HSBC Premier Airport Lounge pass can provide real value.  We’ll take a look later in the article at just what the LoungeKey HSBC pass could be worth.

HSBC Premier Airport Lounge List

Unlike Priority Pass and Lounge Club which are offered across a number of credit card companies as well as standalone passes which can be purchased online, LoungeKey is only available to customers of the HSBC Premier World Elite MasterCard.  To gain access, cardholders simply have to show their credit card at the reception of the lounge for HSBC airport lounge access.

Holders of the free version of the card can also use it to gain access, but they’ll need to pay a fee of £15 per person.  This is however cheaper than the complimentary Lounge Club card offered with the (free for the first year) American Express Gold card (our favourite UK credit card, as we discuss here ) which has recently increased to £20 per visit after using the 2 complimentary passes.

HSBC LoungeKey Access

Let's break this post down...

HSBC Premier Lounge Access

For those who don’t already hold the HSBC credit card, you may want to read my recent review here which covers the pros and cons of the card.

For those of you who already hold the card, you’ll need to register your card for HSBC LoungeKey access.  This can be done at the LoungeKey website here .  Once you’ve signed up simply show your card when you visit to gain complimentary access.

Lounge Key HSBC Premier UK

How does HSBC Premier credit card lounge access compare to other credit cards?

The LoungeKey HSBC Premier credit card comes with an annual fee of £195 pa.  If you’re simply looking at LoungeKey as the only benefit of the card, then compared to other lounge passes it’s surprisingly good value.  If you were planning on purchasing the Priority Pass with complimentary annual access it would cost £339!

Priority Pass prices

HOWEVER as we write in our review here , in comparison to most UK cards, the eligibility requirements for the card are strict to say the least.  To qualify you’ll need to pay your annual income into an HSBC Premier current account and meet one of the two further requirements:

  • Income of over £75k and either an HSBC mortgage, investment, life insurance or protection product;
  • Over £50,000 of investments or savings with HSBC.

This will clearly prevent a number of people from signing up to the credit card.  So how does it compare to other complimentary lounge access offered by other credit cards?

The only other card which offers unlimited lounge access is the American Express Platinum card (reviewed here) through Priority Pass.  The card comes with a huge annual fee of £575 pa however for a small handful of people the numerous perks will more than offset the cost of the card…  The benefit of the Priority Pass over the HSBC LoungeKey lounge access is that the Priority Pass allows one complimentary guest.  If you subscribe to a supplementary Platinum card for someone else in your family they’ll also receive a Priority Pass.  With both allowing one guest, a family of four can gain entry to lounges free of charge.

The LoungeKey HSBC pass charges £15 for every additional guest.  As such a family of four would have to pay £45.  This could be reduced by £15 per visit if you signed up to a supplementary card for £60.  If both you and the supplementary cardholder travel a significant amount this seems like a no-brainer to me…

HSBC Premier Airport Lounge List

You can find a full HSBC Premier Airport Lounge list here however for ease we’ve set out a full LoungeKey HSBC Premier Lounge list for all UK airports below:

Aberdeen International: Northern Lights Executive Lounge

Belfast George Best City: Aspire Lounge

Belfast International: Causeway Lounge

Birmingham: Aspire Lounge / Aspire Lounge South / No 1 Lounge Birmingham

Bristol International: Aspire Lounge

Cardiff: Executive Lounge

City of Derry Airport: Amelia Earhart Lounge

Doncaster/Sheffield Robin Hood: Premium Lounge

Durham Tees Valley: Premium Lounge

Edinburgh International: Aspire Lounge / No 1 Lounge

East Midlands: The Escape Lounge

Exeter: The Executive Lounge

Glasgow International: UpperDeck – Glasgow

Humberside: Aspire Lounge

Inverness Dalcross: Aspire Lounge

Isle of Man Ronaldsway: Rendezvous Executive Lounge

Leeds Bradford International: The White Rose Suite

Liverpool John Lennon: Aspire Lounge

London Gatwick North Terminal: Club Aspire Lounge / My Lounge / No 1 Lounge Gatwick

London Gatwick South Terminal: Grain Store Café & Bar / No 1 Lounge

London Heathrow T2: Plaza Premium Lounge / Plaza Premium Lounge Arrivals

London Heathrow T3: Club Aspire Lounge / No 1 Lounge

London Heathrow T4: Plaza Premium Lounge / Plaza Premium Lounge (Arrivals) / SkyTeam Lounge

London Heathrow T5: Aspire The lounge

London Luton: Aspire Lounge

London Southend: Skylife Lounge

London Stansted: The Escape Lounge

Manchester International T1: Aspire Lounge / The Escape Lounge

Manchester International T2: Aspire Lounge / The Escape Lounge

Manchester International T3: The Escape Lounge

Newcastle International: Aspire Lounge

Newquay: Executive Lounge

Norwich International: Norwich Airport Executive Lounge

Southampton International: Priority Lounge

Of the above, my favourites are most definitely the No 1 lounges.  As I write about here these can get extremely busy during peak times (especially school holidays).  In these instances you may want to reserve a space to avoid disappointment and also gain access to Fast Track Security.

What’s the difference between LoungeKey, Priority Pass and Lounge Club?

In all honesty, not a great deal.  If anything I’d say that Lounge Club has the worst coverage but Priority Pass and LoungeKey are very very similar.  There’s a simple reason for this… All three are owned by the same company – Collinson Latitude.  You can read my full reviews on Priority Pass here and Lounge Club here .

What is the LoungeKey HSBC airport lounge access worth?

This is a very tricky one to answer because it’s so dependent on the individual’s travel habits.  If like me you find yourself travelling up to 5 times a month, the quantifiable benefits of a lounge (the amount you would usually spend on food and drink in a lounge) will add up quickly and I suspect will more than outweigh the £195 of the card.

But what if you only travel say 4 times a year and you always travel with the family?  Yes, having somewhere quiet to sit and pass the time is nice.  Access to complimentary food and drink is great but don’t forget besides your own complimentary pass you’ll need to be paying £15 per person to enter the lounge.  In this instance if you apply no value to the various other benefits offered by the credit card, you’d be paying £48.75 per visit plus £15 per guest.  You’d be far better off opting for the American Express Gold card using the 2 free passes and then paying £20 for every visit thereafter!

The HSBC LoungeKey App

I also thought it would be useful to touch briefly on the LoungeKey HSBC app.  As you could imagine the app somewhat mirrors the Priority Pass app (as they’re owned by the same company) which I’m a big fan of.

There’s nothing worse than turning up at an international airport, trying to connect to the Wi-Fi (to prevent incurring significant roaming fees), getting lost while you’re trying to track down the correct lounge and generally just wasting precious time you could be spending in the lounge.  The HSBC LoungeKey app is simple to use and directs you to the nearest lounge, which is very handy.

HSBC LoungeKey App

Frequently Asked Questions

What happens if you don’t have your card with you.

The lounge staff are unable to look up whether you are a LoungeKey HSBC Premier UK member and as such they will always need to swipe your card on arrival.

Can someone else use your card for HSBC LoungeKey Access?

No.  Your LoungeKey HSBC Premier UK credit card will be checked against your passport so there’s no way around this I’m afraid.

Important notice

HSBC Savings Bank customers have now been transferred to HSBC Philippines. For more details, please visit this  link .

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Woman looking at shoes in a shop window; image used for HSBC Premier Mastercard benefits

HSBC Premier Mastercard® benefits

At HSBC Premier, we continue to focus on the most important economy in the world. Yours. That’s why we would like you to enrich your traveling experience by making your HSBC Premier Mastercard Credit Card your travel partner.

We would like to Introduce to you these exclusive travel benefits you get to enjoy as an HSBC Premier Mastercard Credit Cardholder:

Mastercard Travel Pass

Enjoy access to more than 1,300 airport lounges worldwide through its app, a first-of-its kind digital solution for a seamless airport experience. This is an opt-in benefit for our HSBC Premier Mastercard cardholders.

  • Access to over 1,300 airport lounges worldwide
  • Lounge access fee of USD 32 per person, per visit, which will be chargeable to your card
  • Easy access with a seamless Mastercard Travel Pass mobile app with QR code that you can present to access the lounge  

How To Access Your Benefits

  • Download the “Mastercard Travel Pass” app from “Google Play” or “App Store”.
  • Register your Premier Mastercard Credit Card
  • To access participating lounges, find lounges near you through the Mastercard Travel Pass Mobile App
  • Generate and present the app QR code or membership number to the lounge receptionist to access the lounge
  • Aside from participating lounges, you can also view exclusive offers from top airport dining and spa merchants
  • Terms and Conditions   Terms and Conditions for LoungeKey.

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Get 2 months of Instacart+ and $10 off your second order each month with your HSBC Elite Credit Card.

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Rewards for Miles has expanded to include 11 airlines and 2 hotel partners.

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You and one guest get complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™

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Get rewarded for every purchase you make 1 .

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Earn 3X points on health and financial wellness from January 16, 2024, through March 31, 2024 .

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Earn one Point per dollar spent on all other purchases.

Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

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Can be redeem for:

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With Tap & Go® contactless payments, your HSBC Credit Card never leaves your hand. It’s not only secure but easier and faster than inserting or swiping your card for payments. 

So the next time you’re racing through a subway turnstile or grabbing a coffee on the way to work, make sure to keep your HSBC Credit Card at the top of your wallet.

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You use your phone for everything else, why not purchases?

Add your HSBC Credit Card to a digital wallet and you can simply tap your phone to checkout at participating retailers. It’s quick, secure, and simple to set up. 

Plus, when you pay with mobile, you’ll also make it easier to:

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Seven Reasons It’s Time to Go Cashless

1   How Points are earned:  You earn Points when you use your card to make new purchases (minus returns, credits and adjustments). Rewards Points earn rate applies after any introductory period.  Monthly spend chart is for illustration purposes only. Your spending and Rewards Points may vary. 

All Reward option items are subject to limited availability and to the terms, conditions and restrictions imposed by suppliers. New items may replace selections, and certain items may be discontinued at any time, without advance notice. When necessary, HSBC Bank USA, N.A. may substitute a Reward of equal or greater value without advance notice. The customer will be notified of such a change when ordering. Redemption levels, Point values and availability are subject to change without prior notice.

You can receive Cash Back redemptions as a direct deposit or as a statement credit to your HSBC Elite World Elite credit card. If you select Cash Back as a direct deposit, only HSBC Bank USA, N.A. consumer checking and savings accounts in your name alone or as a joint accountholder are eligible.

2  Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details or call 1-800-MASTERCARD.

3  Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 .

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.  iPad Pro is a trademark of Apple Inc.

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5  Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.  Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

6  Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

7  Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

8  As an HSBC Elite credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost.  Merchants may provide to eligible HSBC Elite Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, visit  https://mtr.mastercardservices.com/en/i/3705/faq  for additional information.  All third party-trademarks are the property of the respective owners.

9 To be eligible for the campaign benefit, you must successfully enroll in the program within the specified enrollment period beginning January 16, 2024 through March 31, 2024.  After you have successfully enrolled, you will be entitled to receive the specified campaign benefit as outlined in the promotional materials. Bonus Points accumulation starts on the date after which you successfully enrolled into the program through the end of the campaign period (March 31, 2024). Bonus points accrue based on the product type at time of enrollment and will not change as a result of an upgrade or downgrade. Please note that the campaign benefit is subject to change or cancellation at the discretion of HSBC Bank USA, N.A. To enroll, you must follow the enrollment instructions provided by HSBC Bank USA, N.A. Any incomplete or inaccurate enrollment information may result in the forfeiture of the campaign benefit. The campaign benefit will only apply to transactions made after successful enrollment and within the campaign period specified in the promotional materials. Transactions made outside of this period will not be eligible for the benefit. Your credit card account must remain open, active, and in good standing to continue receiving the campaign benefit. If your account is closed, inactive, or in default, you may lose eligibility for the benefit. Once you have received the benefit, it cannot be transferred, redeemed for cash, or used in conjunction with any other offers. Enrolling in the campaign benefit is subject to the terms and conditions of the credit card agreement. By enrolling, you consent to receiving communications regarding the campaign benefit and related promotions via email or other means of communication provided by you. HSBC Bank USA, N.A. reserves the right to modify, suspend, or terminate the campaign benefit and its terms at any time without prior notice. By enrolling in the credit card campaign benefit, you confirm that you have read, understood, and agreed to the above terms and conditions.

From January 16, 2024, through March 31,2024, HSBC Elite Mastercard credit cardholders in good standing will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), up to $3,000 after successfully enrolling  in the program on net new purchases (minus returns, credits, and adjustments) made at stores or retailers classified under the following merchant category codes:(MCC 4900) Utilities — electric, gas, water and sanitary,(MCC 5815) Digital Goods—Media, Books, Movies, Music, (MCC 5817)Digital Goods—Software Applications (excluding games), (MCC) 6300 - Insurance sales, underwriting and premiums, (MCC 7997) Membership clubs (sports, recreation, athletic), country clubs and private golf courses, (MCC 8021) Dentists and orthodontists, (MCC 8071)Medical and dental laboratories, (MCC 8099) Medical services and health practitioners — not elsewhere classified, (MCC 9311)- Tax payments. HSBC is not responsible for 1) the merchant’s transaction description, 2) selection of MCC, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. 

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Premier Credit Card

Get travel benefits and reward points - plus 18 months interest free on balance transfers (2.99% fee, min £5). just for hsbc premier customers..

A credit card that gives you access to a world of travel benefits and privileges – all for no annual fee. Representative 23.9% APR (variable).

Balance transfers need to be done in the first 60 days to get 18 months interest free.

Credit is subject to status, affordability and terms and conditions.

Please read the  important documents  before applying.

Representative example

Purchase rate 23.9% p.a. (variable)

Representative 23.9% APR (variable)

Based on an assumed credit limit of £1,200

Premier Credit Card

Key benefits of a Premier Credit Card

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Earn rewards on purchases

For every £1 of eligible spend 1 , you’ll earn 1 reward point if it’s in sterling 2 , or 2 reward points if it’s in another currency 3  (fees apply to non-sterling transactions).

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0% interest on purchases

0% interest on purchases for 9 months 4  after account opening.

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0% interest on balance transfers

0% interest for 18 months 4 on balance transfers made within 60 days of account opening. A 2.99% fee applies for each balance transferred, minimum £5.

Your Premier Credit Card also comes with

  • Use your credit card abroad You can use your HSBC credit card in all countries and regions supported by the Visa and Mastercard networks.  Fees apply , and non-HSBC cash machines may also charge a fee.
  • Airport lounge access Get access to more than 1,300 airport lounges worldwide with Priority Pass . Just show your Premier Credit Card at the door. Lounges charge £24 per person per visit, subject to availability.
  • No annual fee There's no annual fee for the Premier Credit Card, but a 2.99% balance transfer fee applies to each balance transferred (minimum £5).
  • Extended warranty cover Get 2 years extended warranty 5  provided by Domestic & General Insurance PLC, on selected household items.
  • Enjoy 24/7 worldwide assistance Help is at hand if your card is lost or stolen.  Call our dedicated support team  about getting an emergency cash advance.
  • Mastercard Priceless Access unforgettable experiences and everyday value in the cities where you live and travel with  Mastercard Priceless .
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Who can apply.

You can apply for a Premier Credit Card if you:

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Important documents

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Existing customers.

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scan this qr code to apply for a Premier Credit Card

More ways to apply

Apply in browser .

If you have an HSBC Premier account and you're registered for online banking, you can start your application right away. You'll be able to see your pre-filled application form, submit it, and get an instant decision.

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Apply in branch 

It’s usually easiest to apply through the app or online banking, but if you need support you can visit one of our branches and we’ll help you with your application.

Please bring your mobile phone with you (or a similar device, like a tablet) if you have one.

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New to the UK?

We may be able to access your international credit history in selected countries to help you apply for an HSBC UK credit card.

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Frequently asked questions

What is a premier credit card .

It's a credit card that's exclusively for HSBC Premier Account holders and gives you access to a world of travel benefits and privileges.

Does HSBC Premier include airport lounge access? 

A benefit to an HSBC Premier Credit Card is access to Priority Pass membership. This means you can relax in more than 1,300 airport lounges worldwide for just £24 per person per visit, subject to availability.

How do I use HSBC Priority Pass? 

You'll need to register your card for HSBC Priority Pass access. This can be done at the Priority Pass website. Once you’ve signed up, simply show your card when you visit.

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Standards of Lending Practice

HSBC adheres to the standards of lending practice guidelines.

Additional information

1.  Eligible spend excludes cash advances, fees, balance transfers, cheques, refunds, interest or any other charges.

2. Sterling currency includes transactions made in the UK, Jersey, Guernsey and Isle of Man as well as transactions overseas where you choose to pay in sterling rather than local currency.

3. These transactions are subject to a non-sterling transaction fee, currently 2.99% of the amount of the transaction.

4. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate.

5. Shop with greater peace of mind, thanks to a 2-year extended warranty insurance provided by Domestic & General Insurance PLC (D&G).

This insurance can be applied to a range of household items. You'll get 2 years of breakdown cover, starting from when the manufacturer’s warranty expires. You'll also get accidental damage cover, starting from the point you register the item with D&G, until the end of the policy.

This is at no extra cost and registrations are unlimited. To check if the item you're purchasing is covered and if any limitations or exclusions apply, please visit  Domestic & General  or call D&G on  0800 169 1074 .

To qualify for cover your items must cost between £50 and £2,000 and be purchased in full with your HSBC Premier Credit Card. You must register your appliance to the same address within 90 days of purchase for the insurance to commence. Items with a manufacturer's warranty of more than two years are not eligible.

You can register online or call D&G on 0800 169 1074 .

Extended Warranty policies are distributed, administered and underwritten by D&G. Each item of equipment will be protected under its own separate policy.

If you have an HSBC UK credit card, you're eligible to apply for another if you haven't applied for an HSBC credit card within the past 6 months, and the card isn't the one you currently have.

Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct and M&S Bank.

Please note, if you currently hold a Student or Premier Credit Card with us, you will not be eligible for this card.

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Is the HSBC TravelOne Card the One and Only Travel Card You Need?—MoneySmart Review 2023

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Let’s talk about the HSBC TravelOne card’s name—“Travel One”. It aims to be the 1 travel card you need. HSBC says so as well: “Unlock instant travel rewards and elevated travel experiences everywhere you go with the one and only travel card you need.”

But does the HSBC TravelOne card (literally) live up to its name? If I only have 1 travel card, I want good miles earn rates, low (or no!) annual fees, and a slew of travel benefits and privileges. 

Let’s take a look at how the HSBC TravelOne Card fares. We review the card’s earn rates, travel rewards, privileges, and more. 

See our credit card ranking rubric to find out how we rank credit cards.

  • HSBC TravelOne Card: Summary
  • HSBC TravelOne Card: Eligibility
  • HSBC TravelOne Card: Annual fees
  • HSBC TravelOne Card: Earn rates
  • HSBC TravelOne Card: Bonus earn categories
  • HSBC TravelOne Card: Rewards points redemption
  • HSBC TravelOne Card: Benefits and privileges
  • HSBC TravelOne Card: Sign-up promotion
  • Should I get the HSBC TravelOne Card?
  • Alternatives to the HSBC TravelOne Card

1. HSBC TravelOne Card: Summary

HSBC logo

HSBC TravelOne Card

Get a  Hinomi Q1 Ergonomic Chair  (worth S$499) or a  Samsung 27-inch Smart Monitor M5  (worth S$432) an  Apple AirPods 3rd Gen + S$50 Cash  (worth S$313.80) or a  Lenovo Tab M10 Gen 3  (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month.  T&Cs apply .

hsbc travel lounge

Key Features

Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app

Accelerated earn rate: up to 2.4 miles for your spending

Travel privileges: Complimentary travel insurance coverage (including COVID-19), 4 x complimentary airport lounge visits for primary cardholders and more

Split flexibly: Split your purchases across a range of flexible tenors that suits your needs with HSBC Instalment Plans

Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel.

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

The HSBS TravelOne card is an entry-level air miles card that’s good for general spending. It doesn’t come with any bonus earn categories, but does come with a good mix of travel benefits and privileges. These include travel perks (such as cashback and discounts when you shop overseas) and travel protection in the form of complimentary travel insurance.

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2. HSBC TravelOne Card: Eligibility

Let’s first talk about who’s eligible for the HSBC TravelOne Card.

An entry-level miles card, the HSBC TravelOne Card has pretty typical age and minimum income requirements:

  • Age requirement: 21 years old
  • For Singaporean and PR salaried workers: $30,000
  • For Singaporeans and PRs who are self-employed or commission-based: $40,000
  • For foreigners: $40,000

3. HSBC TravelOne Card: Annual fees

The HSBC TravelOne Card comes with a pretty standard annual fee of S$194.40 . Generally, this is the standard annual fee for most entry-level credit cards, barring credit cards with $0 annual fee .

Of course, the annual fee doesn’t matter if a fee waiver is available. HSBC doesn’t say anything about the first year’s annual fee (you can always try your luck requesting a fee waiver !). However, they will waive the annual fee for the second year onwards if you spend over S$25,000 per year. That’s about $2083 per month.

4. HSBC TravelOne Card: Earn rates

Here’s a quick look at how the HSBC Travel One Card’s earn rates compare to other entry-level miles cards:

The HSBC TravelOne Card local spend earn rates are average at best —there are miles cards with lower local earn rates, such as the BOC Elite Miles World Mastercard , which clocks in at just 1 mile per dollar (mpd).

However, the HSBC TravelOne Card’s foreign spend earn rates are above average . The only other miles credit card out there with a comparable rate is the UOB PRVI MASTERCARD Miles Card, which comes with a $5 minimum spend caveat—you need to spend S$5 to earn UNI$6/2.4 miles.

5. HSBC TravelOne Card: Bonus earn categories

At its heart, the HSBC TravelOne Card is meant for everyday, general spending. That comes with 1 downside: it doesn’t have any bonus earn categories . These refer to specific spend categories with which you can earn a greater number of miles per dollar.

Bonus earn rates are miles credit cards are usually between 3 mpd to 10 mpd. Here are some examples:

  • Standard Chartered Journey Credit Card : 3 mpd on online transactions in Transportation, Grocery and Food Delivery Merchants categories
  • UOB PRVI MASTERCARD Miles Card : 6 mpd (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
  • Citi PremierMiles Card : Up to 10 mpd on online travel bookings via Kaligo and Agoda
  • DBS Altitude Visa Signature Card : Up to 10 mpd on hotel transactions at Kaligo (capped at S$5,000/month); up to 6 miles per S$1 on flight, hotel and travel packages at Expedia (capped at S$5,000/month)

Is it a big disadvantage that the HSBC TravelOne card doesn’t have bonus earn categories? We would say not necessarily. It really depends on if you’d spend more on those bonus earn categories in the first place. For example, if you don’t want to book via Kaligo, Expedia or Agoda, the Citi PremierMiles Card and DBS Altitude Visa Signature Card bonus earn rates are basically made defunct.

6. HSBC TravelOne Card: Rewards points redemption

HSBC rewards you with Rewards points for each dollar of your spending—they don’t just give you miles directly. Here’s a breakdown of the points earn rates:

  • 2.4 miles (6 Reward points) per S$1 foreign spending
  • 1.2 miles (3 Reward points) per S$1 local spending

The good news is that from now till 31 Dec 2023, HSBC won’t charge you any conversion fee for redeeming your points for air miles or hotel points. Usually, you have to pay an annual HSBC Mileage Programme fee of S$40, subject to GST.

On top of that, HSBC rewards redemptions are fast . According to HSBC’s TraveIOne Card page, they’ll complete redemptions for air miles and hotel points instantly or in 1 business day.

Do note that HSBC Reward points expire after 37 months . 3+ years sounds like a lot of time, but you know how these expiry dates can creep up on us without us realising—fellow points hoarders, you know what I mean.

Prefer a rewards system with points/miles that never expire? Consider the Standard Chartered Journey Credit Card for 360 Rewards Points that never expire, or the Citi PremierMiles Card for Citi Miles that never expire.

7. HSBC TravelOne Card: Benefits and privileges

Although the HSBC TravelOne Card doesn’t have any bonus point categories, it does come with a generous slew of travel benefits and privileges. Broadly, these fall into 2 categories: travel perks, and travel protection.

HSBC TravelOne Card travel perks

  • Airport lounge access : As the primary cardholder, you get 4 complimentary lounge visits per year to over 1,300 airport lounges around the world.
  • Travel rewards : With the HSBC TravelOne Card, you get to enjoy cashback and discounts when you travel and do your shopping overseas under the Mastercard Travel Rewards catalogue . These apply to both in-store and online merchants across over 25 countries, including Daimaru Matsuzakaya Department Stores in Japan and Bloomingdale’s in the United States. 
  • Mastercard Priceless™ Specials : This is another MasterCard rewards programme that you get with the HSBC TravelOne card, but this one is a bit more upmarket. It offers privileged access to benefits across travel, culinary, shopping, sports, entertainment, and arts and culture.

HSBC TravelOne Card travel protection

  • Travel insurance : If you charge your air ticket (in full) to your HSBC TravelOne Card, you’ll get complimentary travel insurance coverage (including COVID-19) of up to USD100,000.
  • ID Theft Protection™ : The HSBC TravelOne Card doesn’t just want to give you peace of mind while on holiday—it also aims to do so while you’re browsing and making purchases online. You can register for Mastercard ID Theft Protection™ to ensure your personal data is safe and secure, protecting you from identity theft and fraud. 
  • Checking travel and health restrictions : It is such a chore to check for travel and health restriction/documentation. The HSBC TravelOne gives you access to Sherpa, a travel advisory tool that tells you what Visa requirements, travel documents, and even if COVID-19 tests are needed prior to your trip. 

Hungry for more benefits? Even if you aren’t travelling, the HSBC TravelOne Card comes with a dining perk you can use right here in Singapore. You’ll get complimentary access to ENTERTAINER with HSBC , which comes with tons of 1-1 deals on dining, lifestyle and travel. These deals are available worldwide, but there are plenty to choose from locally too.

ALSO READ :  Best Food Discount and Rewards Apps in Singapore—Chope, Burpple, Entertainer & More

8. HSBC TravelOne Card: Sign-up promotion

From now till 31 Aug 2023, you can get up to 20,000 Miles (in the form of 50,000 Rewards Points) when you apply for the HSBC TravelOne Card.

The downside is that you need to pay the card’s annual fee of S$194.40 (GST already included), as well as spend at least S$800 in qualifying transactions within 1 month. Depending on your lifestyle, this minimum spend could be easily doable, or a tall order.

9. Should I get the HSBC TravelOne Card?

If you’re looking for a general spending travel card (that means no bonus earn categories!), the HSBC TravelOne Card is a decent choice. Its earn rates are average or slightly above average (especially when it comes to foreign spending), and we like that you earn Rewards points per dollar spent. For some other cards with similar earn rates, you need to spend say $5 before you chalk up any points. This means that the HSBC TravelOne Card can help you earn points on even the smallest purchases.

Don’t forget that the HSBC Reward points expire after a 37-month period. This could be a pro or a con, depending on how much of a points hoarder you are.

The HSBC TravelOne Card does live up to its name as the 1 and only travel card you’ll need…if you’re looking for a general spending miles card. We suggest you get the HSBC TravelOne Card if you want a general spend card, if you value travel benefits, and if you’re looking for a higher than average earn rate for foreign spending. This card isn’t for you if you want a high bonus earn rate on selected categories, or if you want miles that never expire. 

10. Alternatives to the HSBC TravelOne Card

Here are some other entry-level miles cards for you to consider. These rewards points/miles never expire:

Standard Chartered Journey Credit Card : This card rewards you with a bonus earn rate of 3 miles for online transactions on transport, food delivery, and groceries. The best part is that the 360 Rewards Points you earn never expire.

Standard Chartered logo

Standard Chartered Journey Credit Card (No Annual Fee)

Up to 3 miles for every $1 spent

2 complimentary visits to Priority Pass lounges around the world each year

S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023

Complimentary travel insurance coverage of up to S$500,000.

360 Rewards Points do not expire

S$10 off Grab rides to or from Changi Airport

Citi PremierMiles Card : Citi Miles never expire! Plus, earn up to 10 miles per $1 spent on selected hotel bookings. 

Citibank logo

Citi PremierMiles Card

[MoneySmart Giveaway] Stand a chance to get a Rolex Submariner 124060  (worth S$15,521) or an  Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a  Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart!   Unlock Exclusive Rewards You can also earn  5,100 SmartPoints or S$300 cash  when you apply and meet the minimum spend within 30 days from card approval date.  T&Cs apply .   Why Choose SmartPoints? Enjoy the ultimate flexibility to redeem  ANY  gift at our  Rewards Store . Short on points? Simply pay the difference with cash, and grab your desired gift today!

hsbc travel lounge

S$1 = 1.2 Citi Miles on Local spend (no min. spend)

S$1 = 2 Citi Miles on Foreign currency spend

Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee

Citi Miles never expire

Principal Cardholder gets to enjoy 2 complimentary visits every year to over 1,300 airport lounges worldwide.

OCBC 90 N Card : Travel$ never expire. You’ll also get up to 7 miles per $1 spent on Agoda accommodations worldwide.

OCBC logo

OCBC 90°N Card

Designed with an LED light feature, the 90°N MasterCard Card lights up whenever you make a contactless payment.

Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.

Check out and easily compare the other air miles credit cards in Singapore .

P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Don’t miss our ultimate list of credit card reviews  for the low-down on credit cards in Singapore.

Found this article useful? Share it with a fellow traveller considering a miles card!

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7 Best Rewards Credit Cards in Singapore (2023): Citibank, OCBC, DBS & More

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HSBC VIP Travel and Expense Card

HSBC VIP Travel and Expense Card: Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Designed to make your business travel as convenient and seamless as possible, your new card includes exclusive benefits, such as airport lounge access, trip delay and cancellation insurance, complementary Boingo Wi-Fi in all major airports, premier customer service access and more.

Travel boldly with the card that offers benefits beyond the ordinary with the HSBC name that is instantly recognized and respected around the globe.

Introducing the perfect travel companion – your new HSBC VIP Travel & Expense Mastercard© credit card.

Mastercard© Coverage Brochure (PDF, 1.29MB)

Mastercard© Guide to Benefits (PDF, 389KB)

Mastercard© Guide to Benefits – Trip Cancellation & Trip Interruption (PDF, 1.43MB)

To file a claim visit: www.mycardbenefits.com or call 1-800-Mastercard

Mastercard Concierge

Priority Pass Registration

Priority Pass Member Support (FAQs, Priority Pass App, Contact)

Flight Delay Pass Registration

Flight Delay Pass Terms of Use (PDF, 438KB)

Boingo Wi-Fi for Mastercard Cardholders

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HSBC Travel Companion

Get ready to travel with hsbc.

  • Protect yourself and enjoy travel insurance promotions
  • Explore HSBC credit card promotion for hotels and flights bookings
  • Earn cashback with one multicurrency account

Enjoy complimentary travel insurance promotion on selected HSBC credit cards

* Travel insurance coverage is underwritten by MSIG Insurance (Singapore) Pte. Ltd. HSBC Bank (Singapore) Limited is not the underwriter nor the distributor for this insurance plan. It is not an obligation of, deposit in or guaranteed by HSBC Bank (Singapore) Limited (Company Registration No. 201420624K).

1  HSBC Visa Infinite Credit Card Travel Insurance: Read the policy in detail . 

2  HSBC Premier Mastercard Credit Card: Read the policy in detail

3  HSBC Advance Credit Card: Read the policy in detail

4  HSBC Revolution Credit Card:  Read the policy in detail

5 HSBC TravelOne Credit Card: Read the policy in detail

Looking for a more comprehensive travel insurance plan? Check out our latest promotions for TravelSure .

Don't have an HSBC credit card?

Explore our exclusive promotions for hotel and flight bookings with your hsbc credit card.

From dining out to jetting off, find just what you're looking for. Get the latest travel deals and offers now!

hsbc travel lounge

Royal Caribbean

  • Get 5% off on bookings & redeem a complimentary luggage   Get 5% off on bookings & redeem a complimentary luggage click here to view more details This link will open in a new window

Expires 31 Dec 2024

hsbc travel lounge

  • 8% off hotel bookings   8% off hotel bookings click here to view more details This link will open in a new window

Apply for one today and get a Samsonite luggage worth SGD670, or SGD150 cashback. T&Cs apply .

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  • extra 7% off hotel bookings   extra 7% off hotel bookings extra 7% off hotel bookings This link will open in a new window

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Travel with your taste buds through global and sustainable dishes with One Planet Plate

Eating sustainably while on a holiday can be quite daunting, but it doesn’t mean that we have to stop paying attention to our environmental footprint while on the road.

One Planet Plate presented by HSBC aims to address the inherent problems in our food system, and has pulled together chefs from across the world to showcase dishes that celebrate local ingredients, produce zero waste and are low carbon footprint.

This opens up more opportunities for you to discover new sustainable restaurants and find out what delicious sustainable food actually looks, smells and tastes like in in Singapore and globally.

We've also partnered up with amazing restaurants so that you can explore a myriad of international cuisines right at your doorstep. View a range of exclusive credit card offers so you can shop and dine sustainably whilst in Singapore.

Travel and earn cashback with our multicurrency Everyday Global Account

Sign up now and receive preferential foreign exchange (FX) rates with our Everyday Global Account.  Terms and conditions apply .

Sign up for an account with us and enjoy the following benefits 

  • $0 fee in 10 currencies for your retail purchases and cash withdrawals
  • Free cash withdrawals at all HSBC ATMs worldwide
  • Send money internationally faster with HSBC Global Money Transfers with no fees

Open an account today

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Unlock rewards easily with 1% cashback and enjoy up to sgd300 bonus cash rewards with everyday+, 1% cashback.

on all eligible spends on your HSBC Credit Cards, HSBC Everyday Global Debit Card and GIRO bill payments .

1% p.a. Bonus Interest

on your incremental SGD average daily balances.

Receive a total of up to

in Cashback and Bonus Interest each month through HSBC Everyday+ Rewards Programme.

Plus, earn One-time Bonus Cash Reward

when you're new to the HSBC Everyday+ Rewards Programme.

Caps apply. For definition of the capitalized terms used here and further details on the HSBC Everyday+ Programme and applicable exclusions, please refer to the full terms and conditions here .

To qualify for HSBC Everyday+, simply:

hsbc travel lounge

Credit your salary or set up a regular deposit of at least SGD2,000/5,000 into your HSBC Everyday Global Account

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Make 5 Eligible Transactions with your Everyday Global Debit Cards or any HSBC Credit Card

Deposit scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Protect yourself and enjoy travel insurance promotions 

Explore hsbc credit card promotion for hotels and flights bookings , earn cashback with one multicurrency account .

hsbc travel lounge

Unlock instant travel rewards and elevated travel experiences with HSBC TravelOne

  • Redeem travel rewards instantly with a wide range of airline and hotel partners.
  • Earn up to 2.4 miles (6× Reward points) for your spending.
  • Suite of travel privileges including 4 complimentary airport lounge visits, travel insurance coverage of up to USD100,000, and more
  • Get 20,000 miles (in the form of 50,000 Reward points) for new HSBC TravelOne credit cardholders.

Terms and conditions apply.

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The Best Airport Lounges in the U.S.

JT Genter

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

American Airlines/British Airways Chelsea Lounge (New York-John F. Kennedy)

Qantas international first lounge (los angeles), american express centurion lounges (multiple locations), capital one lounges (multiple locations), chase sapphire lounges (multiple locations), united polaris lounges (multiple locations), american airlines flagship lounges (multiple locations), don't pay out-of-pocket for lounge access, final thoughts on the best airport lounges in the u.s..

Many travelers put up with crowded airports, expensive food and cramped airplane seats in order to get where they want to go.

However, the flying experience doesn't have to be miserable. With airline miles, elite status or a premium travel credit card , you can unlock incredible experiences — both onboard flights and on the ground.

One way to have a more enjoyable travel experience is to visit an airport lounge. Whether you’re looking for some luxury before you board or need to make the most of a long layover, these are some of the best airport lounges in the U.S.

In late 2022, American Airlines and British Airways opened a brand new first class lounge in New York-JFK as part of a $400 million investment into the airlines' joint presence in Terminal 8. The resulting Chelsea Lounge easily makes the list of best airport lounges in the U.S.

In addition to an iconic bar, the lounge offers sit-down full-service dining, sleek shower suites, a homey fireplace and truly first class service.

hsbc travel lounge

(Photo by JT Genter)

How to access the American Airlines/British Airways Chelsea Lounge: To keep the Chelsea Lounge exclusive, American Airlines and British Airways restrict access only to travelers flying in Flagship first class on American Airlines, British Airways first class and invitation-only AAdvantage ConciergeKey elites.

» Learn more: New York-JFK Chelsea Lounge review

My pick for the best airport lounge at LAX — and one of the best in the U.S. — is the Qantas International First Lounge in the Tom Bradley International Terminal. What this lounge lacks in views and size, it makes up for in incredible service and food and drink offerings.

Eligible travelers can enjoy a full-service sit-down meal with some of the best food you'll find in any airport worldwide. Visitors can refresh themselves before a flight in one of the lounge's shower rooms or relax with a handcrafted cocktail from the lounge's extensive liquor selection.

hsbc travel lounge

How to access the Qantas International First Lounge: To visit the Qantas lounge in Los Angeles, you'll need to have Qantas Platinum One or Platinum status, Oneworld Emerald elite status or be flying in first class on a Oneworld airline .

» Learn more: The guide to Oneworld lounges

The Platinum Card® from American Express

Centurion Lounges, the original and largest network of card issuer airport lounges, are operated by American Express.

Eligible travelers can enjoy excellent chef-prepared buffet-style food and bartender-crafted cocktails in over a dozen lounge locations across the United States — with almost another dozen lounges located overseas.

In addition to excelling at these amenities, some Centurion Lounge locations offer shower suites and even complimentary spa services.

Dallas-Fort Worth.

Houston-Intercontinental.

Los Angeles.

New York-John F. Kennedy.

New York-LaGuardia.

Philadelphia.

San Francisco.

Additional locations are currently under construction in Atlanta, Newark and Washington-National.

hsbc travel lounge

(Photo courtesy of Centurion)

How to access American Express Centurion lounges: Holders of the following American Express cards get complimentary access to Centurion Lounges:

The Platinum Card® from American Express .

The Business Platinum Card® from American Express .

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Centurion members.

Corporate Platinum cardmembers.

Centurion Lounge guest access is convoluted enough to require an entire separate article .

Terms apply.

Capital One Venture X Rewards Credit Card

Capital One turned heads with the debut of its first airport lounge in Dallas-Fort Worth in 2021. After a two-year hiatus, Capital One recently opened new locations in Washington-Dulles and Denver. And these lounges have been worth the wait.

Capital One Lounges offer a buffet of tapas-style small dishes — plus fresh grab-and-go food for those in a hurry. Full-service bars offer signature cocktails, wine and even exclusive beers. Dedicated coffee bars offer cold brew and iced lattes on tap.

Relaxation, cycling, yoga and multi-faith rooms all offer a private spot in the airport to refresh, recenter or get some blood flowing. Individual bathrooms offer plenty of space to freshen up or take care of parental needs.

hsbc travel lounge

(Photo courtesy of Capital One)

Capital One Lounge locations: As of January 2024, Capital One has lounges in the following three airports:

Washington-Dulles.

Additional lounge locations, branded Capital One Landing lounges, will focus on upscale culinary experiences; these are planned for New York-LaGuardia and Washington-National airports.

How to access Capital One Lounges: Capital One Venture X Rewards Credit Card holders and Venture X Business cardholders and up to two complimentary guests get unlimited access to Capital One Lounges. Additional guests cost $45 each per visit.

Don't have a Capital One card? You can buy a day pass to one of these excellent lounges for $65 per person per visit.

» Learn more: Should I get the Capital One Venture X Card?

Chase Sapphire Reserve Credit Card

Chase is the latest major card issuer to join the airport lounge market, opening its first U.S. airport lounge in May 2023.

Though new to the scene, Chase seems determined to make a splash.

Chase Sapphire Lounges offer locally inspired food and drinks, nursing and wellness rooms, shower suites, and both working and resting areas.

Chase opened its largest lounge yet in early 2024 at New York-LaGuardia , featuring the brand’s first private Reserve Suites, a children’s playroom, photo booth and arcade, as well as meditation pods and treatment rooms.

hsbc travel lounge

(Photo courtesy of Chase)

Chase Sapphire Lounge locations: A relative newcomer to airport lounges, there are only four Chase Sapphire Lounges open to travelers:

New York-JFK.

New York-LGA.

Plus, Chase has unveiled plans to open Sapphire-branded lounges in Las Vegas, Philadelphia, Phoenix and San Diego.

In addition to lounges, the Sapphire Terrace at Austin-Bergstrom airport gives eligible travelers access to grab-and-go food, drinks and games in an indoor/outdoor terrace space.

How to access Chase Sapphire Lounges: Holders of the Chase Sapphire Reserve® card, J.P. Morgan Reserve card and The Ritz-Carlton Credit Card can get unlimited complimentary access to Chase Sapphire Lounge locations. However, cardholders will need to activate their complimentary Priority Pass membership to unlock access.

Chase Sapphire Reserve® and J.P. Morgan Reserve cardholders can bring two complimentary guests into the lounge with them. Ritz-Carlton cardholders can bring unlimited guests.

Ritz-Carlton cardholders not only get unlimited complimentary access to Chase Sapphire Lounges, but they can bring unlimited guests with them.

Priority Pass members who do not hold one of these credit cards get one complimentary visit to a Sapphire Lounge location each calendar year. The Hong Kong location is excluded.

» Learn more: What credit cards can get me into Chase Lounges?

United Airlines operates a series of lounges for its United Polaris business class passengers on overseas flights. These lounges include sit-down full-service meals, bartender-crafted cocktails, shower suites featuring Therabody products, and daybeds for catching a jetlag-busting nap.

hsbc travel lounge

United Polaris lounge at Newark airport. (Photo courtesy of United Airlines)

United Polaris Lounge locations: Eligible travelers can enjoy the United Polaris Lounge experience in the following airports:

Chicago-O'Hare.

How to access United Polaris Lounges: Travelers need to be traveling the same day in United Polaris business class or in business or first class on a Star Alliance partner.

Only Star Alliance first class passengers are eligible to bring a guest into the lounge with them.

» Learn more: How to get into a United Polaris lounge before your flight

American Airlines also operates a premium set of lounges for its most valued flyers. While not quite as premium as United Polaris Lounges, Flagship Lounges offer plenty of perks that make them worth a visit. Eligible travelers can enjoy "chef-inspired" buffet meals, build-your-own cocktails and shower suites.

Additionally, exclusive full-service Flagship Dining areas are reserved for American Airlines Flagship first class travelers and passengers who purchased Flagship Business Plus fares.

hsbc travel lounge

DFW Flagship First dining. (Photo by JT Genter)

American Airlines Flagship Lounge locations: American Airlines currently offers Flagship Lounges in four of its busiest hubs:

Another Flagship Lounge will open soon in Philadelphia.

How to access American Airlines Flagship Lounges: Travelers can access Flagship Lounges when flying Flagship business or Flagship first class.

Additionally, American Airlines AAdvantage Platinum (and higher), Alaska Mileage Plan MVP Gold (and higher) and Oneworld Sapphire (and higher) elite members can visit when traveling on an Oneworld-operated intercontinental flight. ConciergeKey travelers can also access Flagship Lounges with their immediate family or up to two guests.

» Learn more: How to access American Airlines Flagship Lounges

Several travel credit cards include airport lounge access in their suite of benefits targeting the frequent flyer.

on American Express' website

Citibank Citi® / AAdvantage® Executive World Elite™ MasterCard® Credit Card

on Citibank's application

Chase United MileagePlus(R) Club Card Credit Card

on Chase's website

Delta SkyMiles® Reserve American Express Card

Access to more than 1,300 lounges worldwide, including:

• The issuer's own Centurion Lounges and International American Express lounges.

• Delta Sky Clubs , when flying Delta.

• Priority Pass Select lounges (enrollment required).

• Lounges in the Plaza Premium , Escape and Airspace networks.

Complimentary Admirals Club membership, plus access to partner lounges with which American Airlines has a reciprocal agreement.

Access to United Club locations and participating Star Alliance affiliated lounges worldwide.

For occasional United travelers, a different card, the United℠ Explorer Card , gives you two one-time passes to the United Club each year. That card has an annual fee of $0 intro for the first year, then $95 . Read our review of that card .

• Access to Delta Sky Club when traveling with Delta, plus two one-time passes each year for guests. (Note that limits on lounge visits are scheduled to take effect in 2025. Read more about that here .)

• Access to American Express Centurion Lounges when flying Delta.

• Priority Pass Select membership, with access to over 1,000 airport lounges internationally and meal credits at select airport restaurants and bars.

• Access to Chase's own Sapphire Lounges , though there are currently only a couple of locations.

For many travelers, the best airport lounge is going to be the one in your home airport or an often-used connecting airport.

However, not all airport lounges are created equal. The airport lounges included in our list of best airport lounges in the U.S. offer fresh food, complimentary cocktails and even perks like complimentary spa services and shower suites.

If you're passing through one of the airports with these top-tier lounges, it's worth figuring out how to access them and build in time to experience one of the best airport lounges around.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

70,000 Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

hsbc travel lounge

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My thoughts on the HSBC TravelOne Card

Aaron Wong

The HSBC TravelOne Card is a great general spending card- and maybe that's the problem.

This week saw the launch of the TravelOne Card, HSBC’s first mass market miles card in Singapore. HSBC certainly took its time entering this segment — almost every other bank already has one — but hey, there’s no harm in being fashionably late. 

hsbc travel lounge

I’ve spent the past couple of days poring over the details of this card and analysing its use cases. Like every new launch, the TravelOne has generated a ton of online discussion, which has been very helpful in spotting things I missed the first time round!

And as I was drafting this post, I suddenly had an epiphany.

The biggest strength of the HBSC TravelOne? It’s a great general spending card. The biggest weakness of the HSBC TravelOne? It’s a great general spending card.

If that sounds confusing, don’t worry- it’ll get clearer as we go along. 

The earn rates are great (for a general spending card)

HSBC TravelOne Cardholders earn:

  • 3X HSBC points per S$1 (1.2 mpd)  on local spend
  • 6X HSBC points per S$1 (2.4 mpd)  on foreign currency spend

There is no minimum spend required, nor cap on the points that can be earned.

It speaks volumes about where the market is right now that more than a few comments have basically said  “Not 4 mpd? Pfffft”.  But that’s understandable in a way. Cards like the UOB Preferred Platinum Visa and UOB Visa Signature have made us so accustomed to earning  4 mpd almost everywhere that it’s become the de facto expectation for some. 

And yet, it’s important to remember that the TravelOne is intended to be a general spending card , and we need to benchmark it to the appropriate segment.

In fact, given its earn rates and rounding policies, I’d say it more than holds its own against  the competition; all the more so for HSBC Everyday Global Account customers who can earn a bonus 1% cashback on all transactions (capped at $300 per month).

Furthermore, I’m quite amazed that the HSBC TravelOne outearns the top-of-the-line HSBC Visa Infinite (1/2 mpd on local/overseas spend, upgraded to 1.25/2.25 mpd on local/overseas spend with a hefty minimum spend of S$50,000 in a membership year). That must have been a fascinating internal discussion, since product managers are loath to have their baby upstaged- especially by a card for the unwashed masses!

It’s not just raw earn rates, mind you. Quality of points matters as much as quantity . 

If HSBC had launched a card with 1.6/2.4 mpd earn rates, yet kept Asia Miles and KrisFlyer as its only transfer partners, I’d be much more indifferent. Yes, those would be excellent earn rates for a general spending card, but at the end of the day what’s changed? It’s not breaking any new ground. 

The TravelOne’s claim to fame is not its earn rates, solid though they may be. It’s the new transfer partners it’s added and will continue to add throughout 2023 (more on that later). That, to me, is more important than incrementally higher earn rates. 

I’ve often believed that banks are getting the market for general spending cards wrong. It seems as if the thought process goes something like, “What’s better than 1.2 mpd? 1.3 mpd. What’s better than 1.3 mpd? 1.4 mpd…”

While this might be good for consumers in the short run, it’s ultimately not sustainable (just look at the BOC Elite Miles Card as an example). Margins get squeezed, banks have to come up with shenanigans to advertise higher rates while awarding less in practice (e.g. OCBC/UOB and their S$5 earning blocks), and it limits the scope to add other benefits that customers might value more, such as lounge visits or airport limo rides.

A much more sustainable approach would be to compete not on headline earn rates, but card features . In other words: “I can make my 1.2 mpd better than your 1.3 mpd if I offer more partners, if I offer free conversions, if I offer instant transfers.” That’s exactly what HSBC is attempting with the TravelOne.

Still, not everything is hunky dory. 

  • HSBC TravelOne Card does not have a bonus earn category
  • HSBC excludes CardUp/ipaymy transactions from earning rewards
  • HSBC no longer offers a tax payment facility
  • HSBC points don’t pool (though it’s on the roadmap…more on that later)

This means there’s currently no way of turbocharging your accumulation, and at a pace of 1.2/2.4 mpd, it’d take a lot of spending to reach the critical mass needed for a redemption (especially if you’re redeeming for a family).

It’s what I call the “AMEX Platinum Problem”. While Membership Rewards points are extremely valuable, it’s hard to earn them at a decent rate (0.69 mpd for AMEX Platinum Credit Card , 0.78 mpd for AMEX Platinum Charge ). But even then, at least AMEX has 10Xcelerator partners (3.47 mpd for AMEX Platinum Credit Card , 7.8 mpd for AMEX Platinum Charge )- something HSBC lacks!

A solid sign-up bonus, with a quirk

From now till 31 August 2023 , customers who apply for a HSBC TravelOne Card will enjoy  20,000 bonus miles  (in the form of 50,000 HSBC points) when they:

  • Pay the annual fee of S$194.40
  • Spend at least S$800 by the end of the month following approval
  • Opt-in for marketing communications during the sign-up process

Since the annual fee must be paid, you’re basically buying miles at a cost of 0.97 cents each (S$194.40/20,000 miles), or 1.09 cents if you want to adjust for the opportunity cost of spending on a 4 mpd card (S$194.40/(20,000-800*2.8) miles).

That’s a very good price indeed, and before someone says “but Citi PayAll”, remember the S$8,000 minimum spend for the current offer.

What’s noteworthy about this offer is that it’s available to both new and existing HSBC cardholders . Most of the time, the latter get left out in the cold.

But offering the same sign-up bonus to new and existing customers also creates a strange quirk. If you count as a new HSBC cardholder, you might want to apply for a HSBC Revolution Card first (seriously, why don’t you have one yet?). 

New cardholders will receive:

  • S$30 cash from SingSaver, no min. spend (T&Cs)
  • S$150 cashback from HSBC with a min. spend of S$1,000 (T&Cs)

After the Revolution is approved, you can then apply for the TravelOne as an existing customer, since you enjoy the same 20,000 bonus miles as a new cardholder anyway.

Don’t sweat the annual fee

And since we’re talking annual fees: the HSBC TravelOne Card is not offering a first year fee waiver option at the moment. In other words, if you want the card, you have to pay the S$194.40 annual fee, though with 20,000 miles + eight lounge visits in the first membership year (not four- see below), I’d argue you’re still coming out on top.

What happens in the second year, though?

At this point, we don’t know. The official stance is that cardholders who spend at least S$25,000 in a membership year will receive a fee waiver for the second year. However, many other banks say similar things, yet offer waivers nonetheless to those who fall short of the minimum spend (either automatically or on request). 

I’m not that concerned at the moment, quite frankly. The card is virtually brand new; we’ll cross that bridge when we come to it. I certainly wouldn’t pay S$194.40 just for a few lounge visits, and I suspect that HSBC knows that unless there’s a very compelling reason to pay the second year’s annual fee, the lack of waiver could spark a significant exodus.

The market has already demonstrated it’s not willing to pay annual fees in the S$30,000 card segment. OCBC tried it for a while with their 90°N Card by adding a non-waivable S$53.50 annual fee (with a further S$139 top-up to buy 10,000 miles). That experiment didn’t last very long.

So the way I see it, why not just take it one year at a time? It’s hardly something to get worked up about at this point. If the value proposition doesn’t make sense in the second year, you still have the freedom to walk away. 

Expiring points aren’t a deal-breaker

Points earned on the HSBC TravelOne Card expire after 37 months , the same as other HSBC cards. 

Some don’t like expiring points, but it’s not that big a deal for me. As I’ve explained in this article, non-expiring points don’t really influence my decision whether or not to get a card. Granted, nothing beats evergreen, but 37 months is a long time, and you still have additional validity once points are transferred to the airline side. 

However, an argument could be made that because of the 1.2/2.4 mpd earn rates, you’d need to keep the points on the bank side for a longer time before transferring. Fair enough, though at most it means paying an additional conversion fee at the end of 37 months; not really something to lose sleep over. 

Moreover, with the pace of frequent flyer devaluations, holding on to your points too long is a bad idea. The golden rule is still to earn and burn!

First year sweet spot for lounge visits

Plaza Premium Lounge Singapore

HSBC TravelOne Cardholders enjoy four lounge visits per year, a  relatively generous allowance for the segment in which the card competes.

What’s more, the allowances are granted on a calendar year basis instead of membership year. This means that a cardholder can enjoy eight visits in their first membership year, regardless of whether they choose to renew.

For example, when you’re approved in 2023 you get four visits to use till 31 December 2023, and on 1 January 2024 you get another four visits to use till 31 December 2024. Whether or not you renew the card in 2024 is irrelevant.

There’s also a qualitative aspect to this: TravelOne lounge visits are provided by DragonPass,  which is the only major lounge network to retain access to Plaza Premium Lounges after the operator terminated its agreements with Priority Pass and Lounge Key. In some airports (e.g. Penang, Phnom Penh) Plaza Premium lounges are the only contract lounge option (or even the only lounge option).

If there’s one fly in the ointment, it’s that lounge visits cannot be shared with a guest. Whether that’s a HSBC or DragonPass restriction I do not know, but it feels odd: if I have four visits in total, who cares whether I use all four on myself or split them with my companion for two visits together? 

Fast, free points conversions

There’s three things I look for in a card: 

Conversion speed

Conversion fees, conversion blocks.

The HSBC TravelOne gets two out of three right, with the last one coming agonisingly close. 

hsbc travel lounge

The HSBC TravelOne Card has a bit of a semantics issue when it comes to conversions.

In some places, it advertises “ instant” rewards redemptions. In others, it says “instantly or within 1 business day”. The two, obviously, are not the same, and in the miles game where award space can disappear as fast as it pops up, can make all the difference. 

Having spoken to both the product team as well as Ascenda (the loyalty company that’s behind the new partners), the overall sense I got was that this is a CYA thing, just in case something goes wrong.

Given the API integration Ascenda has with its partners, there’s really no reason not to expect instant conversions for all programmes except Accor Live Limitless (where transfers take up to five business days). 

In any case, I’ll be testing this soon and posting the results, and I’m sure the Telegram Group will be full of data points as well. 

HSBC normally requires cardholders to join its Mileage Programme to convert points, which costs S$43.20 a year for unlimited conversions to Asia Miles or KrisFlyer. You only pay one fee, regardless of how many HSBC cards you have.

With the TravelOne Card, all conversion fees are waived till 31 December 2023 . That reduces the friction in making ad-hoc top-ups to your frequent flyer account.

It’s not been confirmed whether HSBC will switch to a “per conversion” model come 1 January 2024, but if you ask me, it looks more likely than not. I’d expect to pay the usual S$25 + GST. 

Unfortunately, it’s the last leg of the triangle that’s missing. While the TravelOne offers fast, free top-ups, the minimum conversion block is 10,000 miles.

While that’s on par with the market, I feel they’ve missed a great opportunity here. 10,000 miles, after all, is a significant chunk of change to move at one go. If they broke it down into smaller blocks, the utility of the card would be even greater. 

If it’s any consolation, after the first 10,000 miles the subsequent conversion block is just 2 miles. This is confirmed in the FAQs:

In other words, you could convert 25,005 points to 10,002 air miles. This is great news for anyone intending to spend S$800 for the sign-up bonus in local currency then cash out. You’d have:

  • 50,000 bonus points (for meeting min. spend)
  • 2,400 base points (S$800 @ 3 points per S$1)

52,400 points can be cashed out exactly for 20,960 miles, avoiding orphan points.

I just wish they’d gone one step further and made the minimum conversion block 2 miles, though that may be wishful thinking on my part. 

By the way, this also means that if you want an insurance policy against orphan miles, one thing you can do is keep a minimum of 25,000 points in your account at all times. 

Transfer partner bonanza

HSBC TravelOne Cardholders can transfer points to a total of 12 different partners : nine airlines and three hotels. 

This takes the crown of “most transfer partners” from Citi (10 airlines, 1 hotel), and HSBC isn’t done. The plan is to have more than 20 airline and hotel partners by the end of 2023.

That’s the real game-changer here. For too long, we’ve seen new partners added at a glacial pace ( Standard Chartered and OCBC (eventually) being the notable exceptions; no surprise it was Ascenda behind those too). Now HSBC has kicked things into overdrive, and while not every new partner will be “useful” from a miles chaser perspective, more options can only be a good thing.

At the same time, there’s one thing I want to make abundantly clear: there’s little point in using the HSBC TravelOne Card if all you want is Asia Miles and KrisFlyer. If that’s your goal, you’d do much better by sticking with other cards on the market. Why earn KrisFlyer miles at 1.2/2.4 mpd when you can earn them at 4/6 mpd elsewhere?

Getting the most out of TravelOne means exploring other programmes, and I can’t help but wonder if there’s an inherent paradox. Are the people most likely to give a general spending card heavy usage also the same people who would default to familiar programmes like Asia Miles and KrisFlyer?

hsbc travel lounge

How you feel about the HSBC TravelOne Card really boils down to what standards you’re measuring it by. 

Compared to  general spending cards, it excels: 1.2/2.4 mpd earn rates, 1% extra cashback for EGA customers, a favourable rounding policy, four lounge visits per calendar year, fast and free conversions, and a 20,000 miles sign-up bonus even for existing customers. I’m not about to say it’s the absolute best — the Citi PremierMiles Card may have lower earn rates and fewer lounge visits, but Citi PayAll is a fearsome beast — though it certainly ticks all the right boxes. 

Compared to specialised spending cards , it pales in comparison, obviously. No general spending card, no matter how good, is going to beat 4/6 mpd!

Here’s the thing though: even if the HSBC TravelOne isn’t  directly  competing with a specialised spending card, it’s indirectly competing for share of wallet, because in most cases, every S$1 I put on the TravelOne is S$1 I could have put on a 4/6 mpd card.

That’s a problem that all general spending cards face, not just the HSBC TravelOne. It begs a more existential question: do you even need a general spending card?

To be sure, there are situations where it can come in useful:

  • Maybe you’ve busted the 4/6 mpd caps on your specialised spending card
  • Maybe the bank affiliated with your general spending card has some sort of tie-up with the merchant that grants an additional discount that would more than offset the lost miles
  • Maybe this particular category of spend doesn’t qualify for any bonuses (though it’s hard to think of an example, given the wide coverage of specialised spending cards)
  • Maybe you don’t know the MCC of a given merchant, and just want to be safe (but you could always find out for free )

I don’t know how common those scenarios are for you, but keep in mind this won’t even be a dilemma for the vast majority of cardholders out there. If you read this blog, chances are you’re in the minority- not just in terms of looks, charisma and sheer muscle mass, but also in terms of card usage. For every one of us who obsessively optimises each and every transaction, there’s five, maybe ten people who just put everything on their DBS Altitude, Citi PremierMiles or UOB PRVI Miles Card and call it a day. 

All the same, it’d be horribly premature to write it off. My understanding is that HSBC is working on adding points pooling , and if they pull that off, a lot of things would fall into place. 

Imagine what you could do with Revolution earn rates, 20+ partners and instant transfers. Imagine being able to avoid fuel surcharges and tap new sweet spots by choosing the right frequent flyer programme. Imagine a spillover effect on the rest of the market, where other banks look at the HSBC, StanChart and OCBC case studies and decide there’s value in partnering with a platform like Ascenda and bringing dozens of partners onboard at once instead of negotiating individual contracts. 

As John Lennon once said “That’s very nice Yoko but I’m trying to perform with Chuck Berry” “You can say that I’m a dreamer, but I’m not the only one”.

The HSBC TravelOne poses a crucial question: is there space for a general spending card in the wallet of a miles optimiser? Or perhaps more accurately: is there space for another  general spending card in the wallet of a miles optimiser?

That’s something well worth thinking about this weekend, but I personally pulled the trigger yesterday and sent in my application. I’m not about to say no to that kind of sign-up bonus, and if things work out the way I hope they will, having an extra 50,000 HSBC points in the bag would be very welcome come end-2023. HSBC has ambitious plans that go beyond just the TravelOne, and if they can deliver on that, it’d be a huge shake-up to the miles game in Singapore.

Scoffers gonna scoff, but I like what I see so far. 

  • credit cards

Aaron Wong

Similar Articles

Amaze adding 1% fee for sgd transactions above s$1,000, 2024 edition: best cards for overseas spending, 24 comments.

guest

Should this be added into the article on how to calculate general spending posted on 10 Jan?

CJS

I believe the plaza premium lounge in kuching is no longer around.

chk

You’re right. No more at Kuching airport. Penang Plaza Premium still around.

Aaron Wong

removed that!

Abc

Me again. Interesting follow up. – My biggest gripe about the AF waivability uncertainty was that if you can’t get a waiver, you’d have to cash out and cancel and with usual 10k blocks you’d be hard pressed to meet the next 10k block (most people won’t put $8k+ on a gen spend card in a year given the plethora of 4mpd options). I had missed that it was an effective 10k minimum instead of blocks – thanks for pointing this out. More agreeable that it would be easier to try on this basis. Although by that time, you’ll have …  Read more »

drawar

For a mass market general spending card that is not even a week old, I think we are being too critical. As far as the annual fee is concerned, if one wants to be safe, they can wait until a year later when data points about waivability become available, but of course, there’s the tantalizing FOMO that the welcome offer might be pulled soon, cause what are the odds that existing-to-bank customers are eligible for such a thing? All in all, I think it’s only fair that we have to “pay” for the 20k miles with a bit of uncertainty …  Read more »

JW19

If Aeroplan is part of the 20 in the future, I’m in.

Xavier

Likely. The Malaysian version of the card launched with Aeroplan

Jack

Ya, the $800 spending is an issue to hit for a general spending card…

Beans

Maybe I’m missing something, but aren’t we buying miles at: [(194.4+800)/20,960] = 4.7 cents per mile?

Can’t count the $800 – you’re not throwing the $800 away, it is expected you are spending $800 on things you would have otherwise spent anyway. But there is an opportunity cost for that $800 if you ordinarily would have earnt 4mpd on it instead.

Kel

Fairer to say your are forgoing 800×2.8 miles since $800 spend on a 4 miles/$ card would have yielded 3200 miles so 194.40/ 17760?

Just Passing by

Another general spending card split means you have to deal with low usage or manage too many orphan miles and low miles redemption. Unless if HSBC has a killer feature like Citi Payall (where you can almost guarantee miles volume) – I will stick with Citi for the general spending card. How much more do you spend on “general” card if you maximize your 4MPD specialized card?

Orphan miles not really an issue here though, because of how the conversions work

Yes but it is free only until end of the year – afterward it is gonna be pain to transfer if they start imposing fee per transfer. Well technically the jury is still up in the air

yup, got it- but when we use the term “orphan miles”, we’re generally referring to miles that cannot be transferred out because of min. block size, not miles that can be transferred out, but there’s a fee involved. if it were the latter, then virtually every card on the market would suffer from “orphan miles”- even the OCBC VOYAGE with its 1 mile transfer blocks (since there’s still a $25 xfer fee). and just because a card doesn’t have xfer fees doesn’t mean the orphan mile problem doesn’t exist! UOB Reserve cardholders have no xfer fees, but their transfer block …  Read more »

Rondo

I’ll wait till they add points pooling

Alex

If I’m HSBC customer, is still a must for me to sign up this via Singsaver or can sign-up with HSBC directly? thanks.

Patsy

If you are an existing customer, can apply directly with HSBC cuz you are not NTB, hence no incentive to go through SingSaver.

Brian

So… is this better than the DBS Vantage, which currently seems like the best general all-around spending card, though with limited partners…?

it would be very difficult to compare this with a $120k card, since the two of them have such different annual fees and benefits

If we were to do that comparison, what would the outcome be?

What I struggle to find is the best overall general spending card if you’ve got a monthly spend in the $20k+ range. Conversion partners become important, and the fee can be justified if it makes sense… Most of the benefits beyond those associated with travel are not really used (e.g. sometimes dining benefits that are hard to use, etc.)

This card seems interesting due to the increased number of conversion partners, as award space with SQ seems quite limited lately.

OPuser

“If it’s any consolation, after the first 10,000 miles the subsequent conversion block is just 2 miles. This is confirmed in the FAQs” — How does this compare to other cards/banks/points systems? Would be very interested to add this to the table alongside the minimum size and the fee.

JM

Hello, how does one pay the annual fee after just getting the card? Is it similar to how we pay our credit card bills, by transferring the sum to the card account?

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    The HSBC Premier Credit Card includes introductory offers and rewards that can be used around the world. Get more info and find out how you can apply. ... Earn 35,000 Rewards Bonus Points worth at least $400 in air travel - after spending $3,000 in the first 3 months from Account opening 2. 2× Travel Points. You'll earn 2× Rewards Points ...

  5. PDF List of eligible Plaza Premium Lounges applicable for HSBC Premier

    List of eligible Plaza Premium Lounges applicable for HSBC Premier Travel Mastercard Credit Card Effective 31 Jan 2024 1. AUSTRALIA 2. BRAZIL 3. CAMBODIA 4. CANADA 5. CHINA 6. DUBAI 7. FINLAND 8. HONG KONG 9. ... No. 9 VIP Lounge Domestic Departures, Terminal 1 No. 73 VIP Lounge Domestic Departures. Terminal 2 Shanghai Hongqiao

  6. TravelOne Credit Card

    Terms and conditions for the HSBC TravelOne Credit Card Programme apply. The additional Reward points are capped at a maximum of 20,000 additional Reward points for foreign currency spend; 10,000 additional Reward points for local travel spend (hotel, airlines and travel agencies); and 10,000 additional Reward points for local dining spend as ...

  7. HSBC Elite Credit Card

    Start 2024 with extra Points on health and financial wellness. Bonus Points are available by invitation only and you must enroll. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay your utilities, renew your digital subscriptions, make a tax payment, or even pay your medical bills from January 16, 2024, through March 31, 2024.

  8. Premier Credit Card

    Premier Credit Card. Get travel benefits and reward points - plus 18 months interest free on balance transfers (2.99% fee, min £5). Just for HSBC Premier customers. A credit card that gives you access to a world of travel benefits and privileges - all for no annual fee. Representative 23.9% APR (variable).

  9. HSBC Visa Infinite Credit Card

    With the HSBC Visa Infinite Credit Card, enjoy a wide array of travel privileges to make every step of your travel experience more rewarding. Airport lounges Enjoy unlimited complimentary lounge visits to over 1,100 global airport lounges for both primary and supplementary cardholders.

  10. Review: HSBC Platinum Credit Card

    Annual fee (with 0% p.a. BT offer): $0 in the first year 3, $129 p.a. thereafter. Interest rate on balance transfers: 0% p.a. for 26 months 1, with a 1% Balance Transfer Fee 2. Reverts to the cash advance rate. With perks like airport lounge access and travel insurance included as standard, the HSBC Platinum Credit Card is dressed to impress.

  11. Premier Travel Mastercard

    1Amended Terms & Conditions For HSBC Premier Travel Mastercard Credit Card apply. Air Miles awarded are capped at 20,000 Air Miles for overseas spend and 30,000 Air Miles for local spend per calendar month. Earn 1 Air Mile for every RM4 local spend. 2Terms and Conditions for HSBC Plaza Premium Lounge Programme.

  12. Review: HSBC TravelOne Card

    Here's The MileLion's review of the HSBC TravelOne Card, which shook up the miles game when it launched back in May this year with 12 transfer partners, instant, free conversions, a generous lounge benefit and a competitive sign-up bonus. Feature-wise, it's as strong a general spending card as you could hope for. And there's more still ...

  13. HSBC Elite Credit Card Review 2024

    It comes with up to $325 in statement credits reimbursed annually on select travel and dining charges. It includes a 12-month Priority Pass lounge membership and Trusted Traveler reimbursement as ...

  14. PDF Plaza Premium Lounge Terms and Conditions

    2. "Programme" refers to HSBC Plaza Premium Lounge Programme. 3. "Cardholders" or "You" or "Your" refers to all primary cardholders of HSBC Premier Travel, HSBC Premier World Mastercard® Credit Card and HSBC Visa Signature Credit Card excluding the following categories of persons: a.

  15. HSBC TravelOne Credit Card

    Airport lounge: enjoy 4 complimentary lounge visits per year to over 1,300 global airport lounges for primary cardholders - register now. Travel rewards: shop at key destinations around the world and enjoy cashback offers and discounts from both in-store and online merchants across over 25 countries - find out more .

  16. HSBC TravelOne Card: MoneySmart Review 2023

    HSBC TravelOne Card travel perks. Airport lounge access: As the primary cardholder, you get 4 complimentary lounge visits per year to over 1,300 airport lounges around the world. Travel rewards: With the HSBC TravelOne Card, you get to enjoy cashback and discounts when you travel and do your shopping overseas under the Mastercard Travel Rewards ...

  17. HSBC Travel and Expense card

    HSBC VIP Travel and Expense Card: Introducing the perfect travel companion - your new HSBC VIP Travel & Expense Mastercard© credit card. Designed to make your business travel as convenient and seamless as possible, your new card includes exclusive benefits, such as airport lounge access, trip delay and cancellation insurance, complementary Boingo Wi-Fi in all major airports, premier ...

  18. Get ready to travel with HSBC

    HSBC Travel Companion can help you figure out the latest COVID-19 measures and allows you to prepare for a safe and smooth trip. ... Suite of travel privileges including 4 complimentary airport lounge visits, travel insurance coverage of up to USD100,000, and more Get 20,000 miles (in the form of 50,000 Reward points) for new HSBC TravelOne ...

  19. The Best Airport Lounges in the U.S.

    Ditch the airport stress in the best airport lounges in the U.S. Using miles, status or premium cards you can access fresh food, free drinks and luxury perks.

  20. My thoughts on the HSBC TravelOne Card

    HSBC normally requires cardholders to join its Mileage Programme to convert points, which costs S$43.20 a year for unlimited conversions to Asia Miles or KrisFlyer. You only pay one fee, regardless of how many HSBC cards you have. With the TravelOne Card, all conversion fees are waived till 31 December 2023.

  21. What to do with a few hours in Moscow?

    If you need to kill a little more time, head south across the Moscow River and pop onto the island made by the Moscow river and the canal just south of it. (Walking directions: Head south from St. Basil's, down the big street, cross the bridge over the river and the canal, take a right after the bridge. A few blocks down, you'll see a foot ...

  22. Elektrostal to Moscow

    Rome2Rio is a door-to-door travel information and booking engine, helping you get to and from any location in the world. Find all the transport options for your trip from Elektrostal to Moscow right here. Rome2Rio displays up to date schedules, route maps, journey times and estimated fares from relevant transport operators, ensuring you can ...

  23. Moscow Metro Tours Travel & Holidays in Russia

    Moscow Metro Tours Travel & Holidays in Russia Contact Travels Mantra for fix departures, group tours, MICE packages, corporate tours at the heart of central Asia and Silk-Route at 1800-2121-225 (Toll-Free) 1800-2121-225; [email protected]; Home; About Us; Tours. India. Andaman; Darjeeling; Himachal; Kashmir; Kerala; Leh & Ladakh ...

  24. Lounge cafe «Weston Lounge Club»

    Lounge cafe, кальянная «Weston Lounge Club» ⭐ Wестон Лаунж Cлуб расположена по адресу Москва, Красная Пресня, 32-34 ст3, 1 этаж, телефон ☎️ +7(915) 403 00 55. Фотографии и реальные отзывы, режим работы и цены - всё здесь!