HSBC Premier Travel Mastercard Credit Card
Annual Income
Annual Fee (Main)
Annual Fee (Sup)
Basic Info
Spending Criteria
Lounge Access
Mileage Partners
For Oversea spend,
Earn 1.1x air miles for every RM 1 spent overseas.
Capped at 20,000 Air miles.
Includes overseas spend made in foreign currency outside Malaysia, online transactions in foreign currency, insurance and utility payment
Exclude Petrol
For Local Spend,
Earn 1x air mile for every RM 4 spent locally.
Capped at 30,000 Air miles.
Includes all local spend made within Malaysia, including online transactions in local currency, insurance and utility payment.
Exclude Petrol.
Expenditure
Multiplier
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
Not a Cash Back Card
Expenditure
Cash Back (Cap)
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
TOTAL
Airlines
1,000 Partner Miles
Malaysia Airlines
AirAsia
Singapore Airlines
Cathay Pacific
Air France
EVA Air
British Airways
Etihad Airways
Turkish Airlines
Qatar Airways
Emirates
Japan Airlines
Qantas Airways
Vietnam Airlines
Thai Airways
United Airlines
Hainan Airlines
Delta Airlines
Batik Air
All the Partner Miles are redeemed in multiples of 10,000 instead of the listed 1,000.
For instance,
to redeem Malaysia Airlines Enrich Points: 10,000 HSBC Air Miles : 10,000 Enrich Points;
to redeem Cathay Pacific Airways Asia Miles: 20,000 HSBC Air Miles : 10,000 Asia Miles
You can redeem Hotel Chains Points using Air Miles as follows:
10,000 HSBC Air Miles for 10,000 IHG One Reward Points
10,000 HSBC Air Miles for 10,000 Marriott Bonvoy Points
20,000 HSBC Air Miles for 10,000 ACCOR All Reward Points
20,000 HSBC Air Miles for 10,000 Hainan Airlines Fortune Wings Club Points
Click Here for more info
Full-service carrier (FSC)
Oneworld members:
Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas
Star Alliance members:
Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines
SkyTeam members:
Air France, Delta Airlines, Vietnam Airlines
No alliance:
Etihad, Erimates and Hainan Airlines.
Low-cost carrier (LCC)
AirAsia and Batik Air
Balance Transfer
- Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
- Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
- Â Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
- Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.
Loan on Card
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.
Installment Plan
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- 0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
- Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.
Extra Information
Complimentary 12x airport lounge access per year to over 1,300 lounges worldwide with Dragonpass via Mastercard Travel Pass App. Click here to learn more
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Dragonpass Terms of Use
Element
Info
FD Pledge
FD Pledge Amount
Min Credit Limit
PPL Access (Main)
PPL Access (Sup)
PPL Spending Requirement
PPL T&C
TCL Access (Main)
TCL Access (Sup)
TCL T&C
Travel Insurance
Travel Insurance Max Coverage
Travel Insurance T&C
Golf
Golf T&C
Oversea FX Rate
Last Update