HSBC TravelOne Bonus MCC Categories
The HSBC TravelOne earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Local SGD Spend — 0.8 MPD
All qualifying SGD-denominated spend earns 2X Reward Points. Uncapped.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Local SGD Spend | All | Any local merchant |
2. Foreign Currency — 2 MPD
All foreign-currency transactions earn 5X Reward Points regardless of category. Uncapped.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency | All | Any overseas merchant |
Tips to Maximize HSBC TravelOne Rewards
- Uncapped flat earn — no bonus categories to track or monthly cap to hit
- 1 HSBC Reward Point = 0.4 miles; points convert instantly in the HSBC app
- Quasi-cash, crypto, gambling, insurance, schools, government, and professional services MCCs earn nothing
- Paying the S$196.20 annual fee earns a renewal bonus of up to 12,000 miles (2026)
Frequently Asked Questions
What is the HSBC TravelOne earn rate?
2X Reward Points (0.8 MPD) on qualifying local SGD spend and 5X points (2 MPD) on foreign-currency spend. Points are rounded to the nearest whole number per transaction.
Is there a cap?
No. Both earn rates are uncapped, making TravelOne a simple all-rounder for mixed spend.
Which transactions earn nothing?
Non-qualifying MCCs earn no points: money transfers, quasi-cash and crypto, insurance, gambling, hospitals, schools, government, and professional services.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.