hsbc signature credit card travel insurance

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HSBC TravelOne Credit Card

Instant reward redemption with an extensive selection of airline and hotel partners.

Find out more via your eWelcome pack

Unlock a world of travel freedom

Unlock instant travel rewards and elevated travel experiences everywhere you go with the one and only travel card you need. 

Apply online today and enjoy our exclusive sign-up offer

Open up a world of elevated travel.

Instant redemption

Earn accelerated points

Travel privileges

Split flexibly

Spend, earn, and go further, earn points and redeem them instantly.

Be spoilt for choice when you redeem instant miles and hotel points with an extensive range of airline and hotel partners such as Malaysia Airlines, airasia, Singapore Airlines, Marriott Bonvoy and more[@credit-cards-travelone-reward-programme-tncs].

• 8× Reward points on all foreign currency spend
• 5× Reward points on local travel spend (hotels, airlines and travel agencies)
• 5× Reward points on local dining spend
• 1× Reward points on all other eligible spend
• Find out how to redeem  

Travel in style

• Airport lounge access[@credit-cards-plaza-premium-lounge-tncs]: You and your supplementary cardholder can enjoy a combined 6 complimentary visits per year at selected Plaza Premium airport lounge for international flights – terms and conditions apply
• Travel offers: Enjoy exclusive travel discounts on Agoda – learn more on the Agoda website
• Priceless™ Specials: discover top-tier benefits and a world of privileged access with curated offers and benefits from Mastercard – explore all offers
• 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 

Put your mind at ease

• Travel insurance: Register to enjoy complimentary travel insurance coverage (including COVID-19)[@credit-cards-travelone-travel-insurance-tncs] of up to USD250,000 for you and your family when you charge the full cost of your air ticket to your HSBC TravelOne Credit Card – Mastercard T&Cs apply
• ID Theft Protection™: Enjoy peace of mind when surfing and shopping online. Proactive monitoring and alerts help to ensure the security of your personal data from identity theft or fraud. Online enrolment is required – find out more on the Mastercard website
• Complimentary E-Commerce Purchase Protection: Rest easier when you shop online with up to USD1,000 coverage  – find out more on the Mastercard website

More card benefits

• 1% contribution on charity spending For every charitable donation you make with your HSBC TravelOne Credit Card, we'll contribute 1% of your charity spending – up to RM500,000 per year – to our supported charities[@credit-cards-travelone-charity-donations].
• Blind notch Designed to increase accessibility and demonstrate our commitment to inclusivity. The notch signals the correct end of the card to insert into card readers and ATMs
• We're finding ways to reduce plastic waste. Your HSBC TravelOne Credit Card is made from 100% recycled plastic.

Enjoy 50% off green fees at 42 golf clubs and golf lessons at 1 participating golf academy in Singapore – Book now . Terms & Conditions apply.

Valid until: 15 January 2025

Who can apply?

• A minimum annual income of RM60,000 p.a. is required
• Primary cardholder must be at least 21 years of age; supplementary cardholder must be at least 18 years old

What you'll need

Salaried employee .

If you're working for a  multinational, public-listed, government or semi-government company or office,  you'll need:

Photocopy of MyKad (both sides) AND any 1 from below:

• EPF statement - latest original PDF copy of non-password protected statement downloaded from KWSP website/App OR
• Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit OR
• Letter of confirmation from employer or latest month salary slip if employed less than 3 months OR
• Latest Income Tax Return Form (Form BE with tax receipt) OR

For  all other companies,  you'll need:

Photocopy of MyKad (both sides) AND any 2 from below:

• EPF statement - latest original PDF copy of non-password protected  statement (latest 2 years EPF statement if contribution less than 6 months) downloaded from KWSP website/App AND/OR
• Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit AND/OR
• Latest 3 months salary slip AND/OR
• Latest Income Tax Return Form (Form BE with tax receipt) AND/OR

Self-employed 

If you're  self-employed , you'll need:

Photocopy of MyKad (both sides) AND  Photocopy of Business Registration Form (established minimum 3 years) AND any 1 from below:

• Bank statement - latest 6 months original PDF copy of non-password protected statement downloaded from online banking website/App AND/OR
• Latest Income Tax Return Form (EPF Statement or Form B with payment receipts or CP02 attached)

Foreign passport holders 

If you hold a  foreign passport , you must be working for a multinational, public-listed, government or semi-government company or office, or HSBC corporate lending employer. You'll also need:

Copy of passport showing personal details and work permit (must be valid for at least one year) AND

Letter of confirmation from employer stating position, remuneration and duration of employment AND any 1 from below:

• Latest month salary slip

(Minimum RM10k income per month AND working for multinational/public listed companies/government/semi-government/HSBC corporate lending employers only)

Important documents 

• Product disclosure sheet (PDF)  (EN)
• Product disclosure sheet (PDF)  (BM)

Apply online in 10 minutes or less.

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HSBC Elite Credit Card

Unlimited rewards points with no expiration.

Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel from Rewards – after spending $4,000 in the first 3 months of account opening 1

You’ll earn 3× Rewards Points on new travel purchases – including airline, hotels, and car rentals

2× dining Points

You’ll earn 2× Points on new dining purchases

1× Points on all other purchases

You’ll earn 1× Points on all other purchases

• Add authorized users for $65 each 2

No Foreign Transaction Fees

• Competitive, variable APR of 21.24% to 25.24% † 2   on Purchases and Balance Transfers

Redeem your points for rewards 

Redemption options.

• Redeem Points for flights, hotel reservations and car rentals using our online travel site 3
• Book your own airline travel, and receive a statement credit to reimburse the cost 3
• Transfer your Points to air miles with participating airline partner 3

Cash Rewards

• Reward yourself with cash back 4
• Direct deposit to your HSBC bank account 
• Statement credits can be applied to your HSBC card account

• More than 100 brands in variable denominations 3
• Find the perfect fit across dining, travel, shopping, and entertainment 3
• Macy's, Starbucks, Home Depot®, Amazon.com, and Best Buy® are a few of the most popular in this vast collection 3

Merchandise

• A collection of over 3,000 items with new ones added every week 3
• Shop categories from luggage to electronics, kitchenware to fashion, and everything in-between 3
• Find top brands including Bose, Apple, Tumi, Dyson, Kate Spade New York, and many more 3

Explore this card

Travel benefits, everyday values and experiences, peace of mind.

$400 in Travel Credits

Up to $400 per year for all airfare, hotels and car rentals  booked through HSBC Travel.

Unlimited Lounge Access

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

Mastercard Travel Rewards

Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card. 3

Rewards For Miles

Transfer your Points into any of the Rewards for Miles partners’ loyalty programs.  We have expanded the program to now include 11 airlines and 2 hotel partners.

•   How to use How to use Modal link

View more travel benefits 

There are no added costs when using your card to make purchases in a foreign country.

Trusted Traveler

You are eligible for either one Global Entry® Application Fee Statement Credit, up to a maximum of $100, or one TSA Precheck Application Fee Statement Credit, up to a maximum of $85, every 54 months 8 .

MasterRental TM Coverage Provides protection for physical damage and theft to most rental vehicles 5 .

Mastercard Travel & Lifestyle Services TM  Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform 5 .

Travel Accident Insurance Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling 5 .

Trip Cancelation Insurance Reimburses you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason 5 .

Hotel and Motel Burglary Insurance Get reimbursed up to $1,500 per claim for personal property stolen or damaged from your hotel or motel room as a result of burglary by forcible entry 5 .

Lost Luggage Insurance Get reimbursed up to $1,500 per claim for checked or carry-on luggage that is lost or damaged while traveling on a common carrier 5 .

Baggage Delay Insurance Get reimbursed up to $250 per claim for the cost of essential items such as clothing and toiletries if your luggage is delayed in getting to your scheduled destination 5 .

Mastercard ® Airport Concierge Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 6 .

World Elite Concierge Service Enjoy complimentary, 24/7 concierge service that acts like a personal assistant. Receive help with all your tasks, big and small: from travel planning, dining reservations, sporting events and show ticket reservations 6 .

Priceless Golf®

Discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with PGA Tour professional and much more.

Priceless Experiences

Get exclusive, once in a lifetime experiences in the cities where you live, shop and travel.

Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.

Take 3 rides per month and receive a $5 Lyft App credit 5 .

Mastercard ID Theft Protection TM

If your identity is compromised, you’ll receive one-on-one support until your claim is resolved 5

Identity Fraud Expense Reimbursement

Provides expense reimbursement in the event your identity is compromised through identity fraud 5

Cellular Wireless Telephone Protection

Provides reimbursements up to $800 per claim if your cellphone is stolen or damaged 5

More peace of mind 

Purchase Assurance Covers most purchases from damage or theft within 90 days of purchase up to $1,000 5

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment.

• Place – Simply place your HSBC Credit Card close to a contactless payment terminal
• Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,
• Done – Follow the prompts, and you're done!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

HSBC Elite World Elite Mastercard credit card Rewards & Benefits and Mastercard Guide to Benefits brochure can be accessed here .

How to apply

To apply for an HSBC Elite Credit Card, you must have a qualifying Premier or Private Bank relationship 7 .

New to HSBC

To apply for an HSBC Elite Mastercard credit card 7 , you must have an existing U.S. HSBC Premier checking account relationship. Explore the benefits today.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Elite Mastercard credit card.

For Private Bank relationships, please see your Relationship Manager.

Phone Contact our 24/7 Premier Customer Relationship Center.

888.662.4722  (HSBC)

If you’re calling from outside the US or Canada, call

716.841.6866

Find the Wealth Center closest to you to apply in person.

• Wealth Center locator  

• Fraud Protection  

As an HSBC customer, you’re automatically enrolled in our fraud alert program.

• FICO®  

See your FICO® score for free, along with key score factors, on your monthly statement.

• Mobile Pay  

All HSBC credit cards are compatible with Apple Pay®, Google Pay TM , Fitbit Pay TM , Garmin Pay TM and Samsung Pay TM .

1 The 50,000 Rewards Bonus Points offer applies when you open a new HSBC Elite World Elite Mastercard credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The 50,000 Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Elite World Elite Mastercard credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards Program Bonus Points offer.

2  The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase APR applies to credit card purchases and will be 21.24% to 25.24%, depending on your credit worthiness. A variable Balance Transfer APR applies to balance transfers and will be 21.24% to 25.24%, depending on your credit worthiness, for the HSBC Elite World Elite Mastercard credit card . The variable Cash APR applies to cash advances and is 30.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. There is no Foreign Transaction Fee. The Annual Fee for the HSBC Elite World Elite Mastercard credit card is $395 plus $65 for each authorized user; the Annual Fee is waived ($0) for customers who hold a U.S. HSBC Premier Elite customer status (qualification required)* or Private Bank relationship. See Summary of Terms for details .

* For more information regarding U.S. HSBC Premier Elite customer status eligibility requirements please visit  https://www.us.hsbc.com/checking-accounts/products/premier/  or speak with your Relationship Manager.

3  As an HSBC Elite or HSBC Premier 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 and HSBC Premier 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, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information.  All third party-trademarks are the property of the respective owners.

4 Customers can choose to receive cash back redemptions as a direct deposit into their HSBC Bank USA, N.A. Checking or Savings Account, or as a statement credit on their HSBC Credit Card. For complete eligibility details, refer to the HSBC Elite World Elite Mastercard credit card Guide to Benefits brochure.

5  Certain restrictions, limits and exclusions apply. Visit https://www.lyft.com/mastercard  for a full list of current merchant offers and applicable terms & conditions.

6 The Mastercard® Concierge Service is provided by Aspire Lifestyles. Certain restrictions, limitations and exclusions may apply. This service is administered by a company not affiliated with HSBC Bank USA, N.A

7 HSBC Elite World Elite Mastercard® requires a qualifying Premier or Private Bank relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit https://www.us.hsbc.com/checking-accounts/products/premier/ or speak with your Relationship Manager.

8  Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard, or HSBC Bank USA, N.A. Please see your   HSBC Elite World Elite Mastercard credit card Rewards & Benefits and Mastercard Guide to Benefits brochure   for full details.

How you earn Rewards Points or Cash Rewards : You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and require a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.

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

Mastercard®, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC.

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.

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.

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.

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.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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HSBC credit cards complimentary travel insurance

Hsbc credit cards that offer complimentary travel insurance can help you save on the cost of overseas trips – so how much cover can you get.

In this guide

Which HSBC credit cards have complimentary travel insurance?

What's covered by hsbc complimentary international travel insurance, what do i need to do to use hsbc's credit card international travel insurance, pre-existing medical conditions, how to make a claim through your hsbc credit card complimentary international travel insurance policy, other types of hsbc complimentary credit card travel insurance, hsbc credit card complimentary insurance for shopping, other hsbc cards with complimentary insurance options, frequently asked questions.

HSBC offers complimentary insurance across its range of credit cards, including domestic and international travel insurance on HSBC Platinum and World Mastercard credit cards. The actual policies are underwritten by Allianz Insurance Australia (Allianz) and can be different based on the HSBC credit card you choose.

Like any insurance policy, there are terms and conditions you need to meet to get the cover and have your claims approved. The insurance policy booklet has complete details, so it's always good to keep that handy. But if you just want a quick guide of the cover you'll get, including what's available in a pandemic, we've got the key details here.

Have a question or need to make a claim right now? Call Allianz Insurance on 1800 648 093 (from Australia) or +617 3305 7499 (from overseas).

HSBC offers complimentary travel insurance to people with platinum and World Mastercard credit cards, as well as other types of insurance on other cards. Here are the key details for HSBC cards currently on the market.

Have an HSBC credit card that's not on this list? Check the terms and conditions available on the HSBC website to see if your card is eligible.

HSBC credit card travel insurance can give you cover for overseas trips of up to 4 months if you need to go to hospital overseas, miss flights because of delays, have your luggage stolen and for other situations that can leave you out of pocket.

The actual cover is broken down into "benefits" based on what you can and can't claim. Some claims also have an excess you need to pay before you'll get any money if a claim is approved.

Does HSBC complimentary credit card travel insurance cover pandemics?

Yes, some cover is available for COVID-19 and other pandemics or epidemics, including for cancellation and overseas emergency medical claims. There are very specific conditions you need to meet to make a claim, so it’s important to read the HSBC complimentary insurance policy document or call Allianz on 1800 648 093.

If you want more details about COVID-19 travel insurance, Finder also has a whole guide covering questions about pandemic and travel insurance .

Here, we've broken down the different types of claims, with an example of a situation when you might use the cover. But remember: You should always read the insurance policy booklet for complete details of the cover.

Medical, dental and emergencies cover with an HSBC credit card

Hsbc complimentary international travel insurance for cancellation, delays, accommodation and transport, luggage and personal items cover offered with hsbc credit card complimentary insurance, personal liability cover offered with hsbc complimentary credit card travel insurance, hsbc credit card complimentary international travel insurance for death and funerals, what's not covered.

Every insurance policy has details of when you will and won't get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.

• Pre-existing medical conditions (unless you have got written confirmation from Allianz that your condition will be covered before you leave)
• Issues related to drinking alcohol or taking non-prescription drugs
• If you don't follow advice from any government, official body or mass media announcements
• Travel that's for the purpose of medical treatment
• If you're a crew member or pilot working on any of the transport
• Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more

If you need cover for a skiing trip, bungy jumping or other overseas adventures, check out adventure sport travel insurance costs and conditions. Got a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including asthma, high blood pressure and physical disabilities.

If you're planning a trip and want cover through your HSBC credit card, you'll need to meet the following requirements:

• Travel bookings. You need to use your eligible HSBC credit card to pay for at least $500 of your travel costs before the start of the trip. A simple way to meet this requirement is to pay for your airfares, cruise or hotel stays with the card. You also need a return ticket before you go.
• Australian residency. You need to permanently live in Australia.

Does HSBC credit card travel insurance cover family members?

Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (children) can get cover under this policy when they're travelling with you for at least half of your trip and meet the following requirements:

• They need to permanently live in Australia.
• At least $500 of their pre-paid travel costs have been paid for with your eligible HSBC credit card and they have a return ticket to Australia.
• They need to be travelling with you for at least 50% of your trip.

They also need to meet all the other conditions of the insurance policy.

Need written confirmation of cover? Call Allianz on 1800 648 093.

This complimentary international travel insurance doesn't typically cover pre-existing medical conditions.

In simple terms, that means you won't get cover if you've seen a doctor or other qualified professional about a condition that causes issues overseas. It's the same if you're aware of a physical, medical, mental or dental condition before you travel.

There are some exceptions if you're pregnant, though:

• You can get cover for pregnancy complications that arise from injury or sickness when you're travelling and meet the other eligibility requirements.
• If you were eligible for the travel insurance before you became pregnant, you'll be entitled to available cover.

If you have a pre-existing condition you want covered, follow these steps:

• Call Allianz Global Assistance on 1800 648 093. You'll then go through an assessment process.
• Answer all the questions honestly and give them any extra information they ask for.

If your pre-existing medical condition is approved for cover, you will need to pay an administration fee. This fee is non-refundable and the cost is not detailed in the insurance policy booklet, so make sure you ask how much it will be when you call Allianz.

If you follow these steps and get approved, Allianz will send you written confirmation of cover for your pre-existing medical condition.

Pre-existing medical condition definition for HSBC credit card insurance

As well as the summary above, we have included the definition that's in the current HSBC card insurance policy document for HSBC Platinum Cards and Premier World Mastercard accounts.

These are effective from 14 October 2022.

a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including:

• Any dental condition; or
• Any physical condition; or
• Pregnancy; or
• Any lifelong illness; or
• Any chronic illness; or
• Any mental illness; or
• Any current or previously treated cancer, or

Any condition which, in the last two years:

• Was treated by surgery (including day surgery); or
• Required regular medication; or
• Required on-going treatment; or
• Was referred to a specialist medical adviser; or
• Had regular reviews or check-ups; or
• Caused admission to hospital; or
• Was treated at a hospital emergency department or out-patient clinic.

If you think you will need to make a claim, contact Allianz Global Assistance as soon as possible so that they can give you specific information.

You can do this by calling +617 3305 7499 from overseas (a reverse charge number) or 1800 648 093 in Australia.

There are 2 main ways you can submit your claim:

Allianz will review your claim and ask for any further details before giving you an outcome.

What to include in your claim

With insurance claims, it's always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.

• A referral or letter from a doctor or other professional you see in relation to a claim
• Official medical reports
• Police reports
• Photos of damaged items
• Emails or letters from airlines that relate to a claim
• Receipts or other proof of purchase

Transit accident insurance

• What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
• When can I use it? You are eligible for cover if you have paid for the entire trip with your eligible HSBC credit card before you leave. If your partner or dependants are permanent residents of Australia and travelling with you, they'll also get cover.
• Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of one hand or one foot has a maximum benefit limit of $100,000 for the cardholder, $50,000 for a spouse and $12,000 for a dependant.

Domestic travel insurance

• What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia for up to 14 days. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and rental vehicle excess insurance costs if you hire a vehicle.
• When can I use it? If you have used your eligible HSBC credit card to pay for the entire flight or at least $250 of your flights and accommodation before you leave. If your partner or dependants are travelling with you for at least 50% of the trip and meet these requirements, they'll also get cover.
• Is there an excess cost? Yes, $200 per claim for cover relating to cancellation or luggage.

Rental vehicle excess insurance in Australia

• What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $6,000.
• When can I use it? You are eligible for cover if you have paid for the hire car (or vehicle) using your eligible HSBC credit card. The vehicle hire agreement also has to include details of how much you need to pay if the vehicle is damaged or stolen.
• Is there an excess cost? Yes, $200 per claim.

HSBC credit cards give you access to other types of insurance, also provided by Allianz. Below is a snapshot of the different types.

Purchase protection insurance

• What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you've accidentally left in a hotel after checking out.
• When can I use it? If you use your eligible HSBC credit card to pay for covered items, this insurance will apply for the first 90 days from when you get them. This cover is available for personal items bought anywhere in the world, and for gifts you have bought and given to someone who is a permanent Australian resident.
• How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). You also need to show proof of the report, such as written confirmation for the authorities involved. Then, call Allianz on 1800 648 093.
• Is there an excess cost? Yes, $100 per claim. There are also maximum claim amounts depending on the item.

Extended warranty insurance

• What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
• When can I use it? If you used your eligible HSBC credit card to pay for an item and it came with an Australian manufacturer's warranty of between 7 days and 5 years. You can make a claim if something happens after the original warranty period has ended.
• How can I make a claim? Call Allianz on 1800 648 093 and give them as much information as possible.
• Is there an excess cost? Yes, $200 per claim. There is a total maximum claim limit of $10,000 per year.

Don't have complimentary insurance on your credit card yet? Compare HSBC credit cards or other cards that offer insurance .

HSBC also offers different types of travel insurance on the following cards:

• HSBC Corporate Card . If you're looking at getting a card account for your business, the HSBC Corporate Card offers travel insurance and corporate liability against deliberate misuse by cardholders.

How do I activate my HSBC travel insurance?

If you have an eligible HSBC credit card, you'll get international travel insurance when you pay for at least 90% of your return travel ticket before the start of your trip.

Does HSBC credit card travel insurance cover cruises?

Yes, the international travel insurance policy would cover you for eligible issues that come up when you're on a cruise.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

More guides on Finder

The HSBC Star Alliance Credit Card offers points and perks with partners including Singapore Airlines, Air New Zealand and United. Is it right for you?

This card offers 0% interest on balance transfers for 12 months, a first-year annual fee waiver and platinum benefits including airport lounge passes and complimentary insurance covers.

The HSBC Corporate Card offers expense management, flexible spending controls, liability protection and worldwide acceptance through the Mastercard network.

Designed for premium HSBC customers, the HSBC Premier World Mastercard offers points, complimentary insurance, airport lounge access and more.

The HSBC Platinum Qantas Credit Card is a premium option that earns frequent flyer points per $1 spent and offers complimentary insurance.

With HSBC credit card rewards program, cardholders get the ability to earn points on a one point to one dollar ratio that can be used for a vast array of rewards and extra points with HSBC partners.

The HSBC Low Rate Credit Card has a 0% balance transfer offer and a low ongoing interest rate for purchases – here's what else you need to know.

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HSBC credit card travel insurance

With the travel protection offered by HSBC credit cards, you will have complete peace of mind when travelling abroad

• Travel insurance coverage
• Free airport transfers
• Free parking at international airports
• Dedicated travel advisory services
• Roadside assistance

Products and services

Promotional period: 1 July 2023 to 30 June 2024

During the promotional period, use your HSBC (Taiwan) credit card to pay for more than 80% of your package tour charges or the full amount of airfare * to enjoy all-round protection through our high-coverage travel insurance packages. Rest assured you'll be well protected in the event of flight delays or baggage problems.

• Travel insurance: high-coverage protection for your time spent abroad, en-route in travel and while taking public transportation
• Travel inconvenience insurance: compensation for actual losses incurred due to flight and baggage delays, losses or damage

* Please refer to 'service details' for details and amendments related to the Insurance Act, as well as attachments for filing claims.

*Remark: The payment for airline ticket cannot be offset entirely (e.g. mileage redemption, gift voucher, free voucher) or partially (including mileage redemption, discount voucher or coupon), or only pay for airport tax or war risk additional surcharge. No protection of credit card insurance will be provided for any airline ticket acquired by prize and award won by chance

If you're not an existing HSBC credit cardholder, apply now.

Use your HSBC (Taiwan) credit card to pay for the full amount of travel-related transport expenses (such as commercial planes*, trains and ships) or more than 80% of the package tour charges (including travel-related transport expenses) for yourself or your family (your spouse or dependent and unmarried children below 25) , and you'll enjoy all-round protection through our high-coverage travel insurance packages. However, if the transaction related to the afore-mentioned commercial airfare or package tour charges is cancelled by the insured party, the company will not be responsible for handling the claims thereon. Pertaining to the actual insurance content and other matters not covered here, the terms of the insurance contract shall prevail.

※ Free plane tickets are not covered by these insurance packages .

"Travel-related transport" refers to

• flights licensed by the government and operating on fixed routes;
• any means of transportation for which any traveller can purchase a ticket to ride on. To enjoy the insurance coverage, a cardholder has to use his/her valid credit card (with the insurance package) to pay for the full amount of public transport expenses or more than 80% of package tour charges during the insured period. 

* The following flights are covered by the travel insurance policy: scheduled flights, referring to flights flying between certain designated airports, and listed on an airline's flight schedule and price list; charter flights or extra flights, referring to commercial flights not listed on an airline's flight schedule and price list, but that are chartered by a tour company on a regular basis to attract potential tour members, and that are operating on certain fixed routes licensed by the local government, as well as extra flights added to an existing route. Free air tickets are not covered by this travel insurance policy . 

The following types of travel-related transport are not covered under the travel insurance policy: 

• Airplane for government and private enterprise purpose.
• Tourism purpose instead of usual usage.
• Domestic mass MRT, public car and cable car solely paid by credit card.

Travel insurance 

Insurance coverage for travel-related transportation

Scope of coverage and definitions :

Under the circumstances that a cardholder becomes disabled or dies due to accidental injury while taking travel-related transport as a passenger, the insurance pay-out will be based on the sum insured as stipulated in the relevant provisions: 

• When the insured is taking a commercial flight: During the time period when the insured is travelling in a vehicle to and from the airport prior to the original flight departure time or within 5 hours upon arriving at the destination airport; waiting to board at an airport; or travelling in, boarding or alighting from a commercial airplane.
• If the insured is taking travel-related transport other than the afore-mentioned, the time period during which the insured is travelling in, boarding or alighting.

Compensation items :

Death benefit (Note 1), disability insurance

• Travel-related transport insurance with rider on injury medical insurance

Under the circumstances that a cardholder suffers from an accidental injury while taking travel-related transport as a passenger, and undergoes treatment at a registered and qualified hospital or clinic within 180 days of the incident, the insurance company will pay out the difference between the actual medical expenses incurred and the portion covered under National Health Insurance .

• When the insured is taking a commercial flight: During the time period when the insured is travelling in a vehicle to and from the airport prior to the original flight departure time or within 5 hours upon arrival at the destination airport; waiting to board at an airport; or travelling in, boarding or alighting from a commercial airplane.
• If the insured is taking travel-related transport other than the afore-mentioned, the coverage is limited only to the time period during which the insured is travelling in, boarding or alighting from the specific means of transportation.

If the insured receives treatment not as a member of the National Health Insurance plan; or if he/she goes to a hospital not covered under National Health Insurance for treatment, and as a result, the expenses incurred are not covered under the National Health Insurance, the insurance company will pay out 70% of the actual expenses incurred . 

The total pay-out for the afore-mentioned injury cannot exceed the maximum pay-out per injury under medical insurance as listed in the insurance policy .

• Overseas travel insurance 

If a cardholder uses his/her credit card to pay for all public transport expenses or 80% of the expenses of a tour organised by a travel agency during an overseas trip, and is injured in an accident during the trip, resulting in bodily damage and as a result, dies or is disabled, compensation will be paid out by the insurance company. The duration of the afore-mentioned trip cannot exceed 30 days . 

• Overseas travel insurance with rider on injury medical insurance (based on actual expenses incurred)

Insurance scope and definitions :

During an overseas trip as afore-mentioned, if a cardholder is injured in an accident, and undergoes treatment at a registered and qualified hospital or clinic within 180 days after the accidental injury, the insurance company will pay out the difference between the actual medical expenses incurred and the portion covered under National Health Insurance .

The duration of the afore-mentioned trip cannot exceed 30 days.

If the insured receives treatment not as a member of the National Health Insurance plan; or if he/she goes to a hospital not covered under National Health Insurance for treatment, and as a result, the expenses incurred are not covered under National Health Insurance, the insurance company will pay out 70% of the actual expenses incurred . 

Injury medical insurance

Special Declarations :

• If a cardholder is disabled or dies due to an accident, and the compensation pay-out can be claimed under both overseas travel insurance and travel-related transport insurance coverage under the overall travel insurance policy, the cardholder can only select 1 of the 2 options. 
• If a cardholder suffers from an accidental injury, and the compensation pay-out can be claimed under both overseas travel insurance and travel-related transport insurance under the overall travel insurance policy policy, the cardholder can only select 1 of the 2 options.

Travel inconvenience insurance 

Flight delay expenses (based on actual expenses incurred)

• The flight that the insured is taking is delayed for more than 4 hours
• The flight that the insured is taking is cancelled or is cancelled due to overbooking, and the insured cannot switch to another flight within 4 hours
• The insured misses a connecting flight because the previous flight is delayed, and the insured cannot switch to another connecting flight within 4 hours
• Delays or cancellations of flights originating from the insured's home countries/territories are not included if the delay or cancellation is confirmed before the insured checks in at the airport
• The insurance company will not be responsible for any compensation pay-out if the traveller cancels the transactions related to the payment for the tour package or the flight booking

The insured will be compensated for the following expenses incurred during the time when the flight is delayed and before the airline arranges the next available flight for the insured. The original receipts or invoices must be presented for verification (compensation will be paid out based on the actual expenses incurred instead of making a lump sum payment). However, the insurance does not cover expenses incurred in the insured's place of residence :

• Reasonable and essential dining and accommodation expenses: (up to NTD2,000/person/meal, the stipulated insured amount will apply in the case of Taiwan and the main island)
• Transportation expenses incurred while travelling between the airport and the accommodation location: Limited to transportation expenses incurred while travelling between the airport of the delayed flight and the accommodation location ; transportation expenses incurred while going to a dining location or any other locations (such as a pier or railway station, or to visit a friend) are not included in the scope of coverage.
• If the insured needs accommodation due to flight delays, and his/her baggage has been checked in, expenses incurred while buying daily necessities will be compensated only if 1. accommodation is required AND the insured's baggage has been checked in (luggage tag is required for checking) 2. the daily necessities purchased are items essential for an overnight stay (Note 2) .
• Expenses incurred while making international calls: Limited to expenses incurred while making international calls during the time period of the flight delay. Relevant phone bills have to be presented.

Deadline for filing claims :

File your claims with the insurance company within 30 days from the date of the incident.

Baggage delays, losses and damage expenses (based on actual expenses incurred)

Due to the airline's improper handling, the insured's checked-in baggage is not delivered more than 6 hours and less than 24 hours after arriving at the destination airport (original departing location or the insured's place of residence are excluded) .

Actual expenses incurred by the insured in purchasing daily necessities for emergency use prior to retrieving his/her baggage (Note 2), but only limited to such expenses incurred by the insured within 24 hours upon arriving at the destination.

• Loss of baggage expenses (based on actual expenses incurred)

Due to the airline's improper handling, the insured's checked-in baggage is lost, or is not delivered 24 hours or more after arriving at the destination airport (original departing location or the insured's place of residence are excluded) .

Actual expenses incurred by the insured in buying daily necessities for emergency use prior to retrieving his/her baggage (Note 2), but only limited to such expenses incurred by the insured within 120 hours upon arriving at the destination .

If the insurance company has already made a pay-out to the insured based on provisions under the afore-mentioned baggage delays, losses and damage expenses, the insurance company's liability under this coverage plan will be the difference between the total pay-out under this package and the amount already paid out under the coverage for baggage delays, losses and damage expenses.

Other important notes :

• Items purchased after the insured is being updated, and the baggage is delivered to the designated location are not covered.
• Items purchased before the insured realises about the lost or delayed baggage are not covered. For example, this includes items purchased at Duty Free shops at the airport prior to going through immigration checks.
• Retain the baggage receipt or ask the airline or delivery company to provide proof of the date and time of delivery.

File your claims with the insurance company within 30 days from the date of the incident. 

• Hijacking insurance

During the insured period, if the plane on which the cardholder is travelling is seized by an individual or organisation not controlled or commanded by a legitimate government or judiciary through the use of force, coercion or other illegal means, hindering the plane's normal operations or limiting the passengers' freedom of action.

Compensation will be paid out based on a daily lump sum during the hijacking period, calculated based on the number of days multiplied by the daily hijacking compensation amount, up to a maximum of 30 days; if the hijacking period is less than 1 day, it will be counted as 1 day.

Related information

• Claims application (pdf) (Chinese only) Claims application (pdf) (Chinese only) Download link
• Insurance contract details (pdf) (Chinese only) Insurance contract details (pdf) (Chinese only) Download link

Supporting documents for claims 

Travel insurance

Submit the completed claims application together with the following documents to the insurance company:

• Copy of the credit card voucher (the credit card linked with the insurance plan) related to the cardholder's ticket purchase, showing the authorisation code, and a copy of the agency receipt.
• Ticket stubs of the transportation vehicle and copies of the reservation documents.
• Copy of the statement of travel records.
• If you're filing a death benefit claim, please include the original autopsy report or the original death certificate, and the cancelled household registration transcript of the insured.
• If you're filing a claim for disability insurance, include the original disability diagnostic report. The insurance company will need to conduct a physical examination of the insured, and with the consent of the beneficiary, go through the insured's medical records if necessary. The related expenses will be borne by the insurance company.
• If you're filing a claim for medical insurance, include the original diagnostic report or hospitalisation record, original medical expenses record or medical reports. In the event of overseas consultations, include the National Health Insurance Administration's expenses reimbursement form.
• If necessary, the insurance company may request supporting documents for the incident resulting in the accidental injury (such as documental proof of the accident from the tour guide).
• The beneficiary's identification documents
• If you're filing a death benefit or disability claim for the cardholder, his/her spouse or children, please include copies of relevant identification documents.

Travel inconvenience insurance

※ Required documents for all items

• Copy of the credit card statement showing the purchase of the plane ticket or the tour package.
• Copy of the travel agency receipt.
• Original ticket or electronic ticket of the original flight and the original boarding pass for the switched flight.
• Copy of the cover of the applicant's (insured's) bank book (if the wire transfer option is chosen).
• Copies of both sides of the applicant's identification documents, and a copy of the household certificate when a claim is filed for expenses related to the cardholder's children.

※ Required documents for individual items 

I. Filing a claim for flight delay expenses:

• Original receipts and vouchers for the expenses incurred by the insured due to flight delays.
• Original certificate issued by the airline proving the flight delay/missed flight/denied boarding situation.
• Please include the luggage tag if daily necessities have been purchased due to checked-in baggage and the need for accommodation.
• If you're filing a claim for the expenses incurred due to a missed flight, provide details on the timing of the original connecting flight, the destination of the connecting flight, and the number of delayed hours.

II. Filing a claim for baggage delays, losses or damage expenses:

• Original receipts and vouchers for the expenses incurred by the insured due to baggage delays, losses or damage.
• Original certificate issued by the airline or airport proving the baggage delay, loss or damage.
• Original certificate showing the timing of the retrieval of the delayed baggage and the original luggage tag.

III. Filing a claim for hijacking insurance:

• Original certificate proving the hijacking incident.

Claim application method (Chinese only)

國泰世紀產物保險股份有限公司

• 申請方式：請以掛號方式郵寄至下列地址
• 申請書郵寄地址：40341台中市西區民權路239號8樓B2室 (國泰產險信用卡理賠中心收)
• 聯絡電話： 0800-212-880 請撥打此專線 由國泰產險客服人員為您說明
• 台灣免付費服務電話： 0800-212-880 （限市話撥打）

This product is underwritten by Cathay Century Insurance. For the content of the insurance coverage and other matters not mentioned herein, refer to the terms and conditions described in the insurance contract signed between HSBC (Taiwan) and the insurance company for details.

In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the Chinese version shall apply and prevail.

Cathay Century Insurance

Toll-free service number: 0800-036-599

Important notes

Insurance act amendments .

In line with amendments in the Insurance Act, effective 15 June 2018, Cathay Century Insurance has made adjustments to a number of terms, including "handicap" and "disability". Details are as follows:

I. In accordance with Hua Zong Yiyi Zi document no. 10700062351, additional Article 107-1, and amendments in Articles 107, 125, 128, 131, 133, 135 and 138-2.

II. In accordance with the previous presidential order, to be in line with the spirit of the 'Convention on the Rights of Persons with Disabilities' (CRPD), Cathay Century Insurance will make adjustments to the terms used in the insurance contracts. However, such adjustments will not affect the actual content of the product or the interests of the insured.

III. For insurance contracts (attachments), effective 15 June 2018 (inclusive), if the names of the insurance products, the terms and conditions in the insurance policies, the attached proposals, supplementary terms and conditions, endorsements, and other agreements contain original terms listed in the table below, 'Endorsements Regarding Changes in Wordings in Cathay Century Insurance Policies', and 'Endorsements Regarding Changes in Wordings in Cathay Century Insurance Policies (applicable to property insurance products)' will apply. Such endorsements will form part of the insurance contract (attachment), and if any part of the insurance contract (attachment) is in conflict with such endorsements, such part will not be valid. Terms used in insurance contracts (attachments) related to the afore-mentioned endorsements are adjusted as follows:

If original terms used in the above table are used in sales materials and the company's official website, the new terms will also apply in these channels.

IV. Insurance contracts (attachments) effective prior to 15 June 2018 will be executed in accordance with the policy wordings in the insurance contracts. The interest of the insured will not be affected by the wording adjustments listed in the table above.

• In accordance with the revision of Article 107 in the Insurance Act, effective 1 April 2010, changes in the rights and benefits related to the travel insurance protection offered by the bank are as follows (if there are changes in Article 107 of the Insurance Act, the latest provisions shall prevail):

Death benefit :

If the insured person is a minor aged below 15, the pay-out of the death benefit thereof will become effective on the day the insured turns 15. If the insured person is under an order of guardianship that has not been revoked, the death benefit thereof will be changed to funeral expenses insurance. The total amount of the afore-mentioned funeral expenses coverage purchased by the insured on or after 3 February 2010 cannot exceed 50% of the deduction for funeral expenses as stipulated under Article 17 of the Estate and Gift Tax Act.

Disability insurance :

If the insured person is a minor aged below 15, the maximum pay-out of the disability insurance is NTD2 million . If the insured person is under an order of guardianship that has not been revoked, the pay-out of the disability insurance cannot exceed 50% of the deduction for funeral expenses as stipulated under Article 17 of the Estate and Gift Tax Act.

Exclusions 

I. Liability resulting from wars, warlike operations (whether war is declared or not), enemy invasions, acts of foreign enemies, rebellions, civil disorder, forcible seizure, or expropriation, except otherwise stipulated in the insurance contract.

II. Liability resulting from nuclear fission or radiation.

III. Liability resulting from an intentional act carried out by the insured.

IV. Liability resulting from items being seized, confiscated, quarantined or destroyed by fire by any government or customs office.

V. Promotional activities for which the company's prior written consent to underwrite the coverage thereon has not been obtained.

VI. Terrorist activities.

VII. Free air tickets.

Important notes 

Note 1: The beneficiary for death benefit is the statutory successor of the insured. Changes in the beneficiary are not accepted.

Note 2: "Daily necessities" mentioned above refer to underwear, pyjamas, and other necessary clothing, toiletries and sanitary supplies purchased during the flight delay period. Details are as follows:

• Items that are required or may be required during the flight delay period or prior to the cardholder retrieving his/her baggage (for example, under and outer garments, under and outer pants, socks, and warm clothing required under general circumstances).
• Items that are not required or may not be required (for example, large, thick jackets or snow garments purchased in the summer), or items for which the quantity purchased exceeds the potential requirement (for example, items purchased in advance in expectation of a delay in baggage delivery, or purchasing a dozen underwear for a day's delay in baggage delivery) are not covered.
• Toiletries are limited to essential basic toiletry products (such as facial cleansers, shampoo, body wash, tooth paste, tooth brushes, lotion, and shavers). Serum, eye cream, face masks, makeup (makeup removers), styling products, electric shavers, electric tooth brushes, and medication are not covered.
• Other items that are not generally required for daily use, such as hand luggage, suitcases, handbags, watches, decorative items, and books are not covered.

Please manage your finances carefully and value your credit . Interest on revolving credit and cash advance 5.68% to 15.00%. Service Charges for cash advance NT$100 + the amount of cash advance * 3.5%. Base date of interest on revolving credit: September 1 2015.

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The Guide to Single Trip Travel Insurance

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

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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-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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 26 Feb 2024, new safety measure in the Android version of the HSBC HK App will be launched to protect you from malware. Learn more .

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• HSBC Online Banking
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• HSBC EveryMile Credit Card

Receive up to $1,000 RewardCash (or 20,000 miles) when you apply and spend with an HSBC EveryMile Card. T&Cs apply.

Earn miles faster and spend them the way you want.

Earn unlimited miles at a rate as low as HKD2 = 1 mile, and enjoy a wide range of complimentary travel perks.

• Up to $800 RewardCash (or 16,000 miles)[@cards-welcomeoffer]
• Earn miles at a rate as low as HKD0.4 = 1 mile[@cards-milescalculation]
• Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
• Enjoy an "Interest-free Payment Holiday" for the first two months[@cards-em-payment-holiday-offer]
• First year annual fee waiver[@cards-annualfeewaiver]

A two-month “Interest-free Payment Holiday” for new customers

Enjoy an “Interest-free Payment Holiday” as a welcome offer[@cards-em-payment-holiday-offer] on your HSBC EveryMile Credit Card. Skip payment of the first 2-month statements’ balances with no finance charge or late charge incurred to enjoy financial flexibility.

Earn and enjoy rewards, no matter where you are

Make your spending go the extra mile

Shop and spend towards your next trip

Flexible RewardCash conversion[@cards-everymilerewardplus]

Enjoy these exclusive benefits, travel benefits.

• Enjoy up to 15% off when you book a hotel anywhere in the world through Agoda[@cards-agodatandc]. Learn more about the offer on Agoda's website .
• Enjoy HKD300 in spending rebate when you spend HKD5,000 or more in a single transaction on the Cathay Pacific app via Apple Pay[@cards-cathayspendrebate] . T&Cs apply .
• Treat yourself with up to 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per promotion period[@cards-everymiletandc], [@cards-loungelocations]. T&Cs apply . See full list of lounges and dining outlets (PDF)

Insurance and concierge benefits

Protect yourself and accompanying family members with our complimentary multi-trip travel insurance[@cards-everymiletandc],[@cards-axaunderwriting], which also covers your mobile phone and any trip cancellations.

For queries, please call AXA's dedicated customer service hotline at (852) 2894 4680 . Read the policy factsheet (PDF) to learn more.

• Get the support you need no matter where you are, with a dedicated 24/7 Visa concierge hotline[@cards-visaconcierge].

Additional benefits you can enjoy

• Activate your virtual card once your application has been approved Once your application has been approved, you can activate your virtual card and add it to your mobile wallets. Start shopping online and making mobile payments with your card right away for a faster, hassle-free experience!

Things you should know

Eligibility.

An annual income of HKD240,000 or above

Important information 

• HSBC EveryMile Credit Card welcome pack (PDF) HSBC EveryMile Credit Card welcome pack (PDF) Download
• Welcome offers terms and conditions (PDF) Welcome offers terms and conditions (PDF) Download
• Terms and conditions for the credit card interest-free merchant instalment plan applicable to personal credit card cardholders (PDF) Terms and conditions for the credit card interest-free merchant instalment plan applicable to personal credit card cardholders (PDF) Download
• HSBC Credit Card Terms (PDF) HSBC Credit Card Terms (PDF) Download
• Key facts statement (PDF) Key facts statement (PDF) Download
•   Credit card fees and charges Credit card fees and charges Modal
•   Bank tariff guide for HSBC Retail Banking and Wealth Management customers Bank tariff guide for HSBC Retail Banking and Wealth Management customers Modal
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•   Chip card information Chip card information Modal

Apply online now

With hsbc personal internet banking, without hsbc personal internet banking, new to hsbc.

View our Credit Card Key Facts Statement .

Frequently asked questions

Will i still earn rewardcash when i pay my bills online .

Yes, you will earn $1 RewardCash for every HKD250 you pay towards your bills online using any of the following cards:

• HSBC Premier Credit Card
• HSBC Visa Signature Card
• HSBC Red Credit Card
• HSBC Visa Platinum Card
• HSBC Pulse UnionPay Dual Currency Diamond Card

You'll be awarded RewardCash only for the first HKD10,000 in eligible online bill payments made using an eligible credit card in each monthly statement cycle.

Please note that you won't earn any RewardCash for payments to the Inland Revenue Department, or for policy loan repayments to insurance companies made with any credit card.

Can I redeem RewardCash in online banking? 

Yes, you can redeem RewardCash in HSBC Online Banking. But if you hold an HSBC EveryMile Credit Card, please note that you can only make redemptions on the HSBC Reward+ app.

Can I add an additional cardholder to my credit card? 

Yes, you can add an additional cardholder to any HSBC credit card you hold unless it's an HSBC EveryMile Credit Card or an HSBC Visa Gold Card for students.

Which frequent flyer and hotel loyalty programmes can I convert my RewardCash into miles or points for? 

Frequent flyer programmes

• Asia Miles™
• British Airways Executive Club Avios*
• Etihad Guest
• Emirates Skywards
• Finnair Plus
• Flying Blue
• Infinity MileageLands*
• Turkish Airlines Miles&Smiles
• Qantas Frequent Flyer
• Qatar Airways Privilege Club*
• Singapore Airlines KrisFlyer*

Hotel loyalty programmes

• ALL - Accor Live Limitless*
• IHG® Rewards
• Marriott Bonvoy™

Note: This list may be updated from time to time without prior notice. Conversion is instant for all programmes except those marked with an *, which may take up to 2 weeks.

Where can I upload supporting documents for my credit card application? 

If you've already submitted your application for a credit card, you can upload the supporting documents for it via our online form .

• Other frequently asked questions  

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HSBC Visa Signature Page

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• How to apply

To apply call 1500 707 or

With our Visa Signature Card, the world is your oyster. Enjoy competitive foreign exhange rates, complimentary stays at selected hotels in the Asia Pacific and discounts at more than 500 merchants around the world. On top of this, you can redeem rewards points from your overseas transactions for free flight tickets. Personal or business trips and holidays have never been more rewarding. Travel Free Faster with our Visa Signature Card .

Travel spending has never been more rewarding. Earn up to 4X rewards points when you travel with HSBC Visa Signature Card - whether its for your hotel room, flight ticket, dining or any transaction you make abroad - and convert them into miles that can be exchanged for free flight tickets. The more you use it, the bigger chance it gets. Travel Free Faster with our HSBC Visa Signature .

• Get competitive mileage conversion for hotel, airline, travel and dining transactions.
• Earn 4X Rewards Points on hotel, airline, travel and dining transactions ( exclude online transactions ).
• Earn 2X Rewards Points on your overseas transactions.
• Redeem your rewards points for luxury hotel vouchers in Jakarta, Bali, Bangkok, Singapore, Malaysia, Hong Kong, Tokyo, Seoul and Sydney - starting from 250,000 Reward Points.
• Exchange your points rewards for free flight tickets via Asia Miles, Garuda Miles and KrisFlyer.
• More info, visit e-Welcome Pack HSBC Visa Signature
• Download Travel Insurance or Purchase Protection form claim .

Fees and Charges

1 Bank will determine interest charge from time to time, based on the pattern/history of your credit limit utilization and credit card payment. Return to main text

Apply online

Complete the online application form and our customer service representative will contact you within 48 hours.

Apply by phone

Call our Contact Centre at 1500 707 .

Apply in branch

Find nearest branch .

• The main Cardholder must be above 21 years old, whereas Supplementary Cardholders must be above 17 years old.
• Cardholders must have a minimum annual income of IDR 240 million.
• Cardholders must copy of ID card, income documentation and NPWP.

Signature Rewards

Accelerated rewards points.

For every transactions of IDR1,500 using HSBC VISA Signature Credit Card, you are entitled to get 1 Rewards Point.

Exclusively only for HSBC VISA Signature Credit Card, you can enjoy accelerated point earning for every transaction in the following categories:

• 4X Rewards Points for your travel related purchase includes: Airlines, Hotel or other accommodation, and transaction through Travel Agent both domestic and overseas
• 4X Rewards Points for dining transaction.
• 2X Rewards Points for retail overseas transaction.

The bonus points will be accumulated to the current points that you have within maximum 30 (thirty) business days since transaction is posted.

HSBC Point Rewards Information

Rewards Points redemption at more than 50 hotels throughout Asia Pacific

Now you can enjoy complimentary hotel nights across Asia Pacific by redeeming your Rewards Points through HSBC Signature Call Center.

• Category A 200.000 Points
• Category B 250.000 Points
• Category C 350.000 Points

Terms and conditions apply. Hotel selections may change from time to time. Hotel voucher will be presented in electronic voucher that will be sent to customer's registered email address in HSBC. The voucher is provided by HSBC appointed travel agent.

View Terms and Condition accelerated rewards points: Link opens in an overlay. Term and Conditions for Category A (200.000 points)

Get your free hotel nights as easy as this, view terms and condition accelerated rewards points: link opens in an overlay. term and conditions for category b (250.000 points), view terms and condition accelerated rewards points: link opens in an overlay. term and conditions for category c (350.000 points), competitive rewards points redemption to mileage.

Now even the most exotic places are within your reach when you exchange your reward points for air miles under the HSBC VISA Signature Mileage conversion program.

Earn 1 mile with transaction as low as IDR 9,375. Contact HSBC Signature Call Center to redeem your mileage.

View Terms and Condition Competitive Rewards Points Redemption to Mileage: Link opens in an overlay. Terms and Condition Competitive Rewards Points Redemption to Mileage

Starting 24 October 2022, conversion rate and minimum redemption apply for exchanging Rewards Points to mileage. More info click here

Rewards illustrations

Convenient rewards redemption through merchants.

Convenience in redeeming your Rewards Points directly at more than 500 outlets nationwide. Visit www.hsbc.co.id/rewards for latest information on program and participating merchants.

Discover a world of experiences

Many go on holidays, but only a few have heavenly getaway

You have dedicated so much effort and time to reach success. It's time to reward yourself by relaxing at various favorite holiday destinations, and staying at hotels with world class services.

Offer Details

Many enjoy good food, but only a few can share extraordinary dining moments

Explore World

Many get privileges, but only a few deserve the ultimate

Success has brought you privileges only selected few can enjoy. Many can savour delicious dishes in fancy restaurants, but only a few get served directly by executive chefs. Many can get special discounts at favorite boutiques, but only a few get to be the first to enjoy them.

Be the first to experience special services and privileges wherever you are.

Competitve exchange rate

Enjoy a competitive exchange rate for all your overseas transactions including online transactions.

Special privilege at Panorama Tours

Enjoy HSBC VISA Signature Credit Card special privilege of free service surcharge at Panorama Tour all year long.

Contact our special hotline at (021) 2556 5550 for more details.

Global Customer Assistance Service (GCAS)

GCAS is a comprehensive customer services program special for all HSBC VISA Signature Credit Cardholders that provide valuable emergency services when cardholders are traveling overseas like lost stolen card reporting, emergency card replacement, and emergency cash disbursement.

With multilingual support for all key Asian languages - English, Japanese, Mandarin, Cantonese, Thai, Korean and Bahasa Melayu, available 24X7, HSBC VISA Signature Credit Cardholders can access GCAS practically from anywhere in the world through a network of toll free lines, any time of the day, throughout the year.

GCAS offers a worldwide safety net for cardholders with travel and emergency services.

View Service Provided By GCAS: Link opens in an overlay. Service Provided By GCAS

For GCAS Service, dial: 001 803 1933 6294 toll free number from Indonesia and +1 303 967 1090 from outside Indonesia.

VISA Signature Concierge Service

VISA provides lifestyle concierge, exclusively for all HSBC VISA Signature Credit Cardholders. Service is available 24 hours a day, 7 days a week through the VISA Signature Customer Center (VSCC). Whether at home or overseas, HSBC VISA Signature Credit Cardholders have access to a host of services like hotel bookings, flight reservations, limousine transfers - to name a few - through a dedicated network of global toll free numbers.

Service Provided By VISA concierge

For Concierge service, just dial: 001 803 441 568 toll free number from Indonesia and +61 299 471 499 from outside Indonesia.

HSBC Signature Call Centre

Starting 18 October 2015, Signature Call Center provides Interactive Voice Response for your convenience.

To find out more about your HSBC Visa Signature Credit Card feature and programs, please contact 24-hours HSBC Signature Call Centre at 1500 808 (in Indonesia without area code) or (021) 2552 6603 (from outside Indonesia).

VISA Premium Privileges

Visa premium privileges.

As an HSBC VISA Signature Credit Cardholder, you will also enjoy a host of premium privileges from VISA. Find out more on http://www.visa-asia.com/premium and enjoy these offerings on top of your HSBC privileges and rewards.

Apply HSBC Visa Signature

Apply now and get 2 complementary tickets for a round trip to Singapore

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PT Bank HSBC Indonesia is registered and supervised by Financial Services Authority (OJK), Bank Indonesia (BI) and also a participant of Indonesia Deposit Insurance Corporation (LPS) guarantee program

Terms and Condition of HSBC VISA Signature Rewards Feature

• This feature is valid from January 1 2016.
• This feature is valid for HSBC VISA Signature Main Credit Cardholder issued by HSBC Indonesia, provided that the card account is still valid and the Cardholder (i) has no outstanding payment, (ii) is not in an over limit condition, (iii) has no record of misuse of the HSBC Credit Card, and (iv) has a good record as a Cardholder (as will be determined by HSBC in its sole discretion).
• 4 (four) Rewards Points will be given to HSBC VISA Signature Credit Cardholder for every IDR 1,500 spending in travel (hotel, airlines, travel agents) and dining both for domestic and overseas transactions.
• 2 (two) Rewards Points will be given to HSBC VISA Signature Credit Cardholder for every IDR 1,500 overseas retail transaction.
• This feature is not valid for cash advance and Bestbill.
• The maximum rewards points credited to cardholder is 250,000 points per month.
• Rewards points will be added to cardholder's account 30 (thirty) days at the latest .
• HSBC reserves the right for not giving additional rewards points to cardholder is HSBC suspect there is a credit card misuse.
• HSBC reserves the right to change or delete the feature stated above at any time within 7 (seven) calendar days' notice before activation.
• For more information regarding HSBC VISA Signature, please contact Signature call center at 1500 808 or from HSBC Phone Banking at 64722.

Syarat dan Ketentuan Penukaran Poin Rewards Mileage yang Kompetitif

Terms and conditions applies. Mileage program conversion may change from time to time, please visit www.hsbc.co.id/visa-signature for latest update. Mileage will be accumulated to the existing membership by customer.

Service Provided By GCAS

• Lost/Stolen card reporting This service allows a cardholder to report the theft or loss of his VISA card. The account number, if it is available, can be immediately blocked thus reducing further losses on the card.
• Emergency card replacement This service allows a cardholder to receive a temporary replacement card to cover his/her traveling needs. An emergency card replacement must have:
• CVV encoding.
• Minimum spending limit of US$10,000.
• Emergency cash disbursement This service advances cash to cardholder to cover his/her traveling needs. The minimum stand-in emergency cash disbursement is US$5,000 or local currency equivalent
• Cardholder inquiry service This service allows a cardholder to acquire information on VISA products, as well as get connected to their issuing bank when they are traveling.

Term and Conditions for Category A (200.000 points)

• This program only valid for HSBC Visa Signature Cardholder issued by HSBC Indonesia. (“Cardholders”).
• Cardholders are eligible to get free 1 (one) hotel night after redeeming HSBC rewards points through HSBC Call Center 500 808 from home phone number or 021-500 808 from handphone, based on hotel category A : 200.000 rewards points.
• After redeeming HSBC rewards points, Cardholders will receive e-voucher containing ref-number that will be sent to Cardholders e-mail.
• E-voucher will valid for 3 (three) months since the date it is sent to Cardholders e-mail. Cardholders should call Panorama Tours (021) 2556 5550 to reserve for the hotel before the expiry date of the e -voucher.
• Cardholders can reserve the hotel to Panorama Tours by mentioning the ref number written in the e-voucher. Cardholders can choose the hotel based on rewards points category redeemed, for unlimited date of visit but subject to room availability of the chosen hotel.
• After Cardholders make hotel reservation through Panorama Tours call center, Panorama Tours will issue hotel voucher and Cardholders can take the voucher at Panorama Tours offices, or it can be sent to cardholders' e-mail.
• The usage of hotel voucher from Panorama Tours may not be transferred to anyone else.
• Use of the hotel rooms are subject to the further terms and conditions of each hotel.

Term and Conditions for Category B (250.000 points)

• Cardholders are eligible to get free 1 (one) hotel night after redeeming HSBC rewards points through HSBC Call Center 500 808 from home phone number or 021-500 808 from handphone, based on hotel category B : 250,000 rewards points.

Term and Conditions for Category C (350.000 points)

• Cardholders are eligible to get free 1 (one) hotel night after redeeming HSBC rewards points through HSBC Call Center 500 808 from home phone number or 021-500 808 from handphone, based on hotel category C : 350,000 rewards points.

Syarat dan Ketentuan Program – Milan Visa Promotion Program

• Promo ini berlaku untuk semua Kartu Kredit HSBC VISA Classic, VISA Gold, VISA Platinum, VISA Signature, VISA Corporate dan Kartu Debit VISA yang dikeluarkan oleh HSBC Indonesia (“Kartu HSBC”).
• Program ini berlaku hingga 31 Desember 2016 (“Periode Program”).
• Program ini tidak dapat dipindahtangankan ke pihak manapun maupun digabungkan dengan promosi lain, kecuali disebutkan secara khusus oleh masing–masing merchant .
• Program ini tidak dapat diuangkan atau ditukarkan dengan produk lain.

Syarat dan Ketentuan Program – Paris Visa Promotion Program

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Travel Insurance

Alternatively please call  800 4560 .

• Instant quote & Instant cover
• Simple enrollment process
• High value cover for low premiums
• Extensive Cover options
• Global presence and worldwide arrangements
• Multilingual healthcare professionals
• 24/7 365 days a year travel assistance

Are you eligible?

You can apply for travel insurance if you are:

• a UAE resident
• a GCC resident traveling from their country of residence

Things you should know

• travel smart is one of the best travel insurance products in the market, to cover you for any medical and travel inconvenience, ensuring a worry-free holiday
• travel schengen is the compulsory minimum cover required for obtaining a visa to any Schengen country
• Travel insurance policy Terms and Conditions (PDF) Travel insurance policy Terms and Conditions (PDF) Download link

Find out more

Get started by requesting a quote online

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.

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Life insurance could well be one of the most important financial products you purchase.

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Give your car the care it deserves with GIG Motor Insurance today.

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9 Best Air Miles Credit Cards in Singapore (May 2024)

Ah, the  air miles credit card . Clearly the most glamorous of all credit cards. Every time you use one, you’re reinforcing your image as a globetrotting, wanderlusting, jet-setter.

But more importantly, you earn frequent flyer miles at the same time. As you go about planning your next holiday, wouldn’t it be nice to be able to swap your air points for a free air ticket?

Trouble is, if you just sign up for the first air miles card you see and only use it when you remember it exists, chances are you’ll never collect enough points to even make it to KL. Collecting air miles needs to be done strategically with the right card.

Here are the best credit cards for air miles in Singapore, plus some useful info on how they work so you can game the system.

The Best Air Miles Credit Cards in Singapore (May 2024)

• Best air miles cards in Singapore 2024

Citi PremierMiles Card

• DBS Altitude Card

OCBC 90°N Card

Hsbc revolution credit card.

• Amex KrisFlyer Card
• UOB KrisFlyer Card
• Maybank Horizon Card
• UOB PRVI Miles Card
• Standard Chartered Journey Credit Card
• Entry-level vs premium miles cards in Singapore
• What are air miles and how do they work?
• What should you look out for in a miles card?
• MoneySmart tip: Use a rewards credit card as a miles card

1. Best air miles cards in Singapore 2024

Back to top

2. Citi PremierMiles Card

[FASTER GIFT FULFILMENT | FLASH DEAL] Get an   Apple iPad (9th Gen), 64GB   (worth S$508.30) or a  Nintendo Switch OLED + S$60 Cash  (worth S$609) or  S$450 Lendlease E-Vouchers   (can be used at 313@somerset, Jem, Parkway Parade, PLQ) or  S$300 Cash via PayNow , in as fast as 6 weeks from meeting the S$500 spend criteria!   PLUS for a limited time only, get an  additional S$50 Shopee E-Voucher on top of your baseline gift  when you are the  first 15 customers  to submit the claim form at 2PM & 9PM daily!  T&Cs apply .

Key Features

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.

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.

If the thought of spending thousands of dollars in just a couple of months makes you blanch, you need a card with miles that don’t expire so you can take your time to slowly accumulate them. This is especially the case if you’re a fresh grad or a generally frugal person without any big expenses coming up. Enter the  Citi PremierMiles Card !

While the earn rate of such cards is typically not that great, the Citi PremierMiles offers a fairly attractive earn rate: 1.2 miles for every $1 of local spending , and  2 miles for every $1 spent on foreign currency spending .

What’s a miles card without travel benefits? You can get  2 complimentary airport lounge visits every year with your Citi PremierMiles Card and complimentary travel insurance with up to S$1 million in coverage when you use the card to buy your plane tickets.

Citi PremierMiles Card sign-up promotion

The Citi PremierMiles card has one more advantage: great welcome gifts! New cardmembers who successfully apply for the Citi PremierMiles Card and spend $500 within 30 days get to choose 1 of these gifts:

• Apple iPad (9th Gen), 64GB (worth $508.30)
• Nintendo Switch OLED + S$60 Cash (worth $609)
• $450 Lendlease E-Vouchers (can be used at 313@somerset, Jem, Parkway Parade, PLQ)
• $300 Cash via PayNow

You’ll receive your gift in as fast as 6 weeks from meeting the spend criteria.

Promotion valid until 31 May 2024.

3. DBS Altitude Card

DBS Altitude Visa Signature Card

Earn up to 4.3 miles per S$1 on eligible spends

Enjoy first year annual fee waiver

Receive 10,000 bonus miles when you pay for your annual fee of S$196.20 (inclusive of GST)

Earn Miles for Life! DBS Points earned do not expire.

Miles are awarded in the form of DBS Points which are awarded for every S$5 spent (1 DBS Point = 2 miles) on a per transaction basis.

Enjoy exclusive dining, shopping and travel offers

The DBS Altitude Card lets you accumulate air miles in the form of DBS Points, and these points never expire . The card is one of the highest-earning miles cards out there, rewarding you with:

• 2.2 miles for every S$1 spent overseas
• 1.3 miles for every S$1 spent locally

There aren’t many miles cards out there with higher earn rates. The HSBC TravelOne earns you 2.4 miles per S$1 overseas spend, but only 1.2 miles for every S$1 spent locally. One card that edges out the DBS Altitude Card’s earn rates for both local and overseas spend is the UOB PRVI Miles Card , which earns 1.4 miles per S$1 local spend and 2.4 miles per S$1 overseas spend.

But when it comes to the DBS Altitude Card, miles are just the beginning. To sweeten the deal, the  DBS Altitude Visa Signature Card   also comes with 2 free lounge visits at over 1,500 airport lounges worldwide per year via its complimentary Digital Priority Pass membership.

While the  DBS Altitude American Express Card  used to come with complimentary Mr and Mrs Smith SilverSmith membership, but this ceased on 25 Feb 2024.

There are other travel privileges in the form of discounted flights, hotel bookings, car rentals and more. Usually these run for a limited time and may or may not be renewed, so check out the ongoing DBS Altitude Card travel offers  for the latest deals.

ALSO READ : Best Bank Offers in Singapore (May 2024): $158 Singapore Airlines Flights, Win $12,000 NTUC shopping vouchers, and more

After going through their T&Cs , I’ve found 2 things I don’t like about the DBS Altitude Card. Firstly, you earn with every S$5 spent per transaction , not every $1. So a transaction that comes up to $4.99 won’t earn you anything.

Secondly, you don’t earn miles directly but in the form of DBS Points (1 DBS Point = 2 miles). Some of us (myself included) might be lazy to convert them, but that’s just laziness. The bigger issue is that DBS charges an administrative fee of S$27.25 for each conversion of DBS Points to miles . The saving grace here is that DBS Points don’t expire , so you can accumulate a truckload of DBS Points before you convert them and make the flat admin fee worth your while.

The DBS Altitude Card’s annual fee is $194.40 , but can be waived . If you do pay the annual fee and renew your card, you’ll receive a present of 10,000 miles from DBS.

4. 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.

If you’re looking for a non-expiring air miles card to use on overseas online shopping sites, the  OCBC 90°N Card is a good candidate.

In general, you earn 2.1 miles for every $1 spent in foreign currency and 1.3 miles for every $1 spent locally . For bookings made on Agoda, you’ll earn 7 miles per $1 spend in foreign currency, and 6 miles per $1 spend in SGD.

You earn 90˚N Miles (formerly known as Travel$) on your OCBC 90°N Card, which you can use to redeem air miles, cash rebates and more via the OCBC Rewards Portal . Alternatively, you can also  convert your 90°N miles to KrisFlyer miles (90˚N Mile = 1 KrisFlyer Mile) under the Singapore Airlines’ KrisFlyer Programme, but this comes with a $25 conversion fee .

I also don’t like the fact that, similar to the DBS Altitude Card, 90°N miles are awarded in blocks of $5 spent. So even if you spent $4.99 locally, you will not earn any points until you meet the $5 minimum spend. If you spend $99, you’ll only earn on the first $95.

The OCBC 90°N Card comes in 2 iterations—one is the Mastercard version, and the other Visa. Each comes with their own set of travel privileges. For example, the OCBC 90°N Mastercard gives you access to the One Dines Free programme and VIP access to over 1,300 airport lounges worldwide under DragonPass access. The Visa version comes with deals on SHEIN, IHG Hotels & Resorts, and more.

When I first wrote about the OCBC 90°N Card, I was pleased to note that its annual fee was just  $54 —a lower annual fee than many other entry-level cards. But it’s since increased to $196.20 (including GST), which is pretty average for any entry-level credit card. The fee is waived for the first year, and don’t forget to get it waived for any subsequent years you hold the card.

5. HSBC Revolution Credit Card

Earn  3,950 SmartPoints  or  S$150 Cash via PayNow  when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month.  T&Cs apply .   Use 3,950 SmartPoints to fully redeem a product from our Rewards Store . If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$219 on top of your earned SmartPoints.

10X Reward points (equivalent to 4 miles or 2.5% Cashback) on online purchases and contactless payments.

1X Reward point for all other types of spending.

No min. spend required.

No annual fee

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

Cap of 10,000 rewards points per calendar month on eligible purchases. Other terms apply.

Like the DBS Altitude, the  HSBC Revolution Credit Card is more like a rewards card than a miles card in that you earn points and not miles directly . Here’s how it works: You earn 10X Reward points on eligible online purchases and contactless payments, then convert these reward points to miles. 10 Reward Points is equivalent to 4 miles. So all in all, you’re earning 4 miles per $1 spend —a very decent earn rate! That’s basically 2.5% cashback. Plus, you earn per every $1, not every $5 unlike the OCBC 90°N Card and DBS Altitude Card.

The HSBC Revolution Credit Card earns you 10X Reward points for a wide range of transactions: Travel-related (airlines, car rental, cruise lines, etc), department and retail stores, supermarkets, dining, online food delivery, and more. You can find the full list of the relevant merchant category codes on page 3 of this T&Cs document .

The 10X Reward points are broken down into 9X bonus points and 1X base point. For the former, there’s a cap of 9,000 bonus Reward points per month—that’s when you hit $1,000 spend. Past this amount, you’ll only earn the base 1X Reward point for your spending.

However, there’s some bad news folks: as of 1 Jan 2024, MCC 4722 (Travel Agencies and Tour Operators) and 7011 (Lodging – Hotels, Motels, Resorts, Central Reservation Services aren’t eligible for the 10x Reward Points. These categories have been demoted and will just receive the 1X base Reward point that other non-bonus categories get.

To convert your points to miles, you used to need to pay HSBC an annual fee of $40 (before GST) to join their Mileage Programme. The good news? This fee has been removed as of 20 May 2024. And according to point 6 under Miles/Hotel Points Redemption in their Rewards Programme T&Cs , the redemption fee for miles/hotel points redemptions will be waived up till 31 Jan 2025 .

Another plus point of the HSBC Revolution Credit Card is that there is no annual fee . So, assuming you want to use this card for miles, the only “annual fee” you’ll need to pay is the $40 mileage programme fee—still lower than most other miles cards.

Do note that HSBC Reward points come with an expiry date (as do the miles you can redeem them for). HSBC Rewards points earned expire after 37 months , so redeem them via the HSBC Singapore app within 3 years.

6. Amex Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

1.1 KrisFlyer miles = S$1 for all eligible card spend

2 KrisFlyer miles = S$1 in foreign currency spent overseas in June & December with no cap

2 KrisFlyer miles = S$1 for eligible purchases made on singaporeair.com, SingaporeAir mobile app and KrisShop with no cap

3.1 KrisFlyer miles = S$1 for eligible Grab Singapore transactions, capped at S$200 per month

Receive 5,000 KrisFlyer miles upon first spend on card, applicable for first-time American Express Singapore Airlines Credit Card applicants only

Spend S$12,000 or more on eligible purchases on singaporeair.com within the qualifying period and receive S$150 cashback on your next purchase on singaporeair.com

First year annual fee waiver

Up to S$350,000 Travel Inconvenience & Travel Accident Benefits

The Amex Singapore Airlines KrisFlyer card is ideal if you’re collecting points for Singapore Airline’s KrisFlyer programme. There’s no need to redeem your points or convert them to miles—you’re already earning miles directly . All miles accumulated each month are automatically credited to your KrisFlyer account. Just be aware that KrisFlyer miles have a shelf-life of 3 years.

The basic earn rate is nothing to shout about. You get 2 miles for every $1 spent in foreign currency on eligible purchases during June and December every year, and 1.1 miles for every $1 spent on eligible local purchases . On the plus side, there’s no cap to these earnings.

What’s interesting is that they also reward you with 3.1 miles for every $1 spent on Grab in Singapore, valid for up to $200 worth of spending per month. That’s an easy way to get a decent earn rate on your commutes, even if the cap is rather low.

The annual fee is $179.85, and it can be waived for the first year.

The card’s welcome bonuses are also quite attractive—you get up to 17,000 KrisFlyer miles if you spend at least $500 within the first month of approval. Valid from now till 29 May 2024.

7. KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

[UP TO S$11,000 WORTH OF PRIZES] Stand a chance to win  up to 2 Grand Prizes  when you apply through MoneySmart!  No min. spend required!   T&Cs apply .  

• A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore  (worth S$656)! [10 Winners]
• A  Samsung Galaxy S24 Ultra 512GB  (worth S$2,458) or  68,000 Air Miles  (worth a Business Class Round Trip to Taiwan for 1) or a  Sony WH-1000XM5 Headphones  (worth S$589)! [3 Winners]

  PLUS get  up to 31,000 miles plus first year annual fee waived  for new-to-UOB credit card customers who successfully apply for an eligible KrisFlyer UOB Credit Card and spend a min. of S$2,000 within 60 days of the card approval date on their card.  T&Cs  apply.

Enjoy 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop and Kris+ purchases

Enjoy 3 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend with min. S$800 annual spend on Singapore Airlines, Scoot and KrisShop

Enjoy 1.2 KrisFlyer miles per S$1 spend on all other spend

5,000 KrisFlyer miles with first eligible spend (min. S$5)

10,000 KrisFlyer miles with payment of annual renewal fee

Up to additional 6 KrisFlyer miles per S$1 spend when you open a KrisFlyer UOB Account

No miles conversion fee

Exclusive privileges on Scoot, KrisShop, Grab rides and more!

Most air miles cards let you earn more on your travel spending, but the KrisFlyer UOB Credit Card  is one that offers a decent rate on everyday local spending. This stylish-looking card offers 3 KrisFlyer miles per $1 spent on dining, online shopping, online travel and transport card transactions. Like the Amex Singapore Airlines KrisFlyer Credit Card, there’s no miles conversion fees because you earn miles directly.

The catch is, to qualify for this earn rate, you must spend at least $800 per year on Singapore Airlines-related transactions (including KrisShop).

You also get 3 miles per $1 spent on Singapore Airlines, Scoot and KrisShop purchases, and 1.2 miles per $1 on other spending.

The card charges an annual fee of $196.20 which we can’t guarantee you can escape. But on the plus side, from now till 31 May 2024, you can get the first year’s annual fee waived and receive a welcome gift of up to 31,000 miles when you spend at least $2,000 within 60 days of the card approval date.

So while the UOB KrisFlyer card may not have the highest earn rates, it certainly offers lots of bonus miles as incentives.

On top of that, you stand a chance to win up to 2 Grand Prizes with no minimum spend required when you apply for the KrisFlyer UOB Credit Card !

• A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour – Singapore (worth S$656) [10 Winners]
• A Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

Valid till 31 May 2024.

8. Maybank Horizon Card

Maybank Horizon Visa Signature

Earn 2.8 air miles (7X TREATS Points) for every S$1 spent on air tickets and foreign currency transactions when you charge a min. of S$800 per calendar month

Earn 1.2 air miles (3X TREATS Points) for every S$1 spent on all local shopping, groceries, dining, hotel bookings and many more

Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase, accompanying guest(s) enjoys 20% off walk-in rates for lounge access.

Complimentary Travel Insurance up to S$1,000,000

3 years annual fee waived; spend min. S$18,000 per year to get subsequent waiver

The Maybank Horizon Visa Signature doesn’t get much attention but is actually excellent for foreign spending. You earn 2.8 air miles (7X TREATS Points) whenever you spend on air tickets and foreign currency transactions —if you spend $800 a month. There’s no cap for TREATS Points earned for foreign spend.

You’ll also earn  1.2 air miles (3X TREATS Points) for every dollar you spend on local shopping, groceries, dining, hotel bookings and more.

You’ve probably guessed the main drawback to the Maybank Horizon Card. You need to spend at least $800 in a calendar month in order to qualify for the 2.8 miles earn rate. That’s a bummer considering a lot of air miles cards don’t even have minimum spending requirements.

Can’t meet the $800 spend requirement? You’ll earn 0.4 air miles (1X TREAT Point) per dollar with no minimum spend amount.

The card’s annual fee is $180, but waived for 3 years instead of the usual 1 year. If you spend at least $18,000 in a year you can get subsequent annual fee payments waived. There’s also no fees charged for supplementary cards.

9. UOB PRVI Miles Card

UOB PRVI VISA Miles Card

  PLUS g et  up to 50,000 miles from UOB  when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required.  T&Cs  apply.

Earn 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend)

Earn 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend) including online shopping on overseas websites

Earn 6 miles per $1 spend (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia and Agoda via UOB PRVI Miles website

Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on bus and train rides

No minimum spend and no cap on earned miles

Complimentary Public Conveyance Personal Accident cover of S$500,000 and up to S$50,000 Emergency Medical Evacuation & Repatriation including illness due to COVID-19. T&Cs apply.

The  UOB PRVI Miles Card offers the best rates for general overseas and local spending, at 2.4 miles per $1 spent overseas and 1.4 miles per $1 spend locally . You also get 6 miles per $1 spent on Agoda, Expedia and UOB Travel, as well as 1.4 miles per $1 spend on bus and train rides. All this, with no minimum spend and no cap on the miles you earn.

For specific categories like dining and hotel bookings, you can get better rates from some other cards that offer selected accelerated earning. But as far as general spending goes, the UOB PRVI Miles Card delivers.

This card is a good one to use if you’re anticipating a big expense like a wedding banquet, as the 1.4 mile per $1 rate is among the highest you’ll be able to get on such miscellaneous local spending with no cap.

The UOB PRVI Miles Card is certainly a notch above other miles cards with its fatter earn rates, but it also comes with a fatter annual fee of  $261.60 . Most entry-level miles cards don’t even cross the $200 mark in annual fees.

From now till 31 May 2024, UOB is also rewarding you with up to 50,000 miles for spending at least $1,000/month for 2 consecutive months, paying the annual card fee, and registering with UOB via SMS. It’s a pretty steep spending/payment requirement, but also a pretty generous bonus mile reward. If you only pay the annual credit card fee and don’t meet the spending requirements, you can still get up to 20,000 miles.

On top of that, you stand a chance to win up to 2 Grand Prizes with no minimum spend required when you apply for the UOB PRVI Miles Card !

10. Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card (Annual Fee Payable)

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

If you spend regularly on transport and food online, the  Standard Chartered Journey Credit Card  might be the miles card for you. An entry-level credit card, it offers a high earn rate of 3 miles per S$1 on online transactions for transportation, food delivery and online grocery merchants . This is capped at 3,000 miles, which means you max out the bonus rate at S$1,000.

The SC Journey Credit Card also offers decent earn rates of  2 miles per S$1 foreign spend and  1.2 miles per S$1 local spend , which is comparable to most other air miles cards on this list. All earnings come in the form of 360 Rewards Points, which never expire and can be redeemed for miles, cash rewards, or shopping vouchers.

On top of the card’s promised complimentary travel insurance (up to $500,000 coverage) and 2 complimentary visits to Priority Pass lounges each year, Standard Chartered is also dangling another carrot to tempt you into getting their miles card: a welcome bonus of up to 45,000 miles !

From now till 30 Jun 2024, Standard Chartered is awarding up to 45,000 miles if you sign up for the Standard Chartered Journey Credit Card. The only downside is that the requirements to get this welcome bonus are pretty steep—you need to spend $3,000 in 2 months and pay the annual fee of S$194.40.

11. Entry-level vs premium miles cards in Singapore

All of the above credit cards are entry-level ones, meaning you can sign up once your annual income hits about $30,000.

But premium air miles credit cards for those more well off tend to offer better air miles earn rates and/or sign-up bonuses.

For instance, the American Express The Platinum Card is handing out a complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590) for new card members—on top of their Membership Rewards points welcome offer. Receive a whopping welcome bonus of 135,000 Membership Rewards points when you sign up for the card. That’s worth a return trip to the USA West Coast! The catch? You must be prepared to fork out an annual fee of S$1,744 and meet the minimum spend requirement of $6,000 within the first 2 months of card approval.

And while Amex hasn’t disclosed the exact minimum income requirement, you can be assured the usual $30,000 sum won’t cut it.

American Express The Platinum Card®

Air miles features.

Access to over 1,400 airport lounges in 650 cities worldwide for you, your Supplementary Members and one guest each.

Earn 5 Membership Rewards points for every full S$1.60 spent with Singapore Airlines and Scoot (equates to 1.9 miles per S$1).

12. What are air miles and how do they work?

Air miles are part of frequent flyer programmes (FFP) , the best-known one here being Singapore Airlines’ KrisFlyer programme. KrisFlyer miles can be used on many partner airlines, including all of Star Alliance.

Technically, you can buy miles with cold hard cash. That’s what some people do — buy KrisFlyer miles because they have nothing better to spend their money on.

But why do that when a credit card will help you earn them for free, right? When you spend on an air miles credit card, you can accumulate frequent flyer miles either directly or by earning points (which you then convert to miles).

Once you’ve got your miles, you can put them towards your next holiday’s airfare. Woohoo!

Here’s a look at the bigger and more well-known FFPs in Singapore:

13. What should you look out for in a miles card?

Here are some factors you need to consider when evaluating miles cards:

• Miles expiry date : Borders may largely be open now, but you never know when the next pandemic wave may hit and if travel restrictions will kick into high gear again. Or, maybe you just don’t travel frequently and need miles that don’t expire, such as those for the Citi PremierMiles Card and DBS Altitude Card . On the other hand, KrisFlyer miles expire in 3 years from the date they are credited to your account. If your card requires you to accumulate and then convert miles, you’ll also want to check the expiry date so you can convert them as late as possible.
• Flexibility to redeem miles for other rewards : For a while, COVID-19 totally wrecked our ability to travel, and many of us might have started to wonder if we could spend our miles on something else. That’s why checking what else you can redeem miles for in an important consideration. See if you can use them to redeem other rewards or convert them to cashback. If you’re under the KrisFlyer programme, you can use your mile to make purchases at the online KrisShop .
• Ease of earning miles without travelling : Many cards reward you more handsomely for spending overseas, but earning high rates for local and/or online spending will help you accumulate more miles faster while still in Singapore. The  Maybank Horizon Card is a good option for high local spending earn rates.

14. MoneySmart tip: Use a rewards credit card as a miles card

Before you rush to sign up for an air miles card, you should also know that rewards credit cards are a viable alternative to air miles cards .

So what’s the secret? Well, you actually earn rewards points (rather than miles) with many air miles cards. You can earn those same points with a rewards card as well, and later convert them to miles. In fact, you can think of air miles cards as simply a subset of rewards cards as the points-collecting mechanism is usually the same.

Broadly speaking, air miles cards reward travel-related spending, while rewards cards reward general local spending e.g. shopping and dining.

Good rewards credit cards offer high bonus points for the latter, making it possible to earn air miles more quickly. For example, the HSBC Revolution Credit Card we discussed above earns you the equivalent of 4 miles per $1 on online shopping and contactless payments.

However there are usually reward caps on these—for example, the HSBC Revolution card limits you to 9,000 Bonus reward points per month (about $1,000 spend), which may not be a large enough cap for heavier spenders (there’s no cap for the base points though). The best card (or combo of cards) really depends on your actual spending habits.

So if you want to be really thorough, check out some of the best rewards credit cards in Singapore as well.

Apply for the best air miles credit cards in Singapore and get attractive gifts for certain cards!

You can also check out our guide to Air Miles Credit Cards in Hong Kong.

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14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

• Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
• The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
• Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

• 46 travel credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

• Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
• Bilt Mastercard® – Best no-annual-fee travel card for paying rent
• Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
• Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
• Discover it® Miles – Best no-annual-fee travel card for simple rewards
• Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

• Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
• Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

• American Express® Gold Card – Best travel card for dining
• Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
• Chase Sapphire Reserve® – Best premium travel credit card
• The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

• The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

• United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

• No annual fee
• No foreign transaction fees
• Earns 1.5x points on all purchases
• No bonus category for travel
• Few benefits compared to other cards
• Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

• No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
• Use it to pay your rent and earn rewards without incurring any processing fees
• You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
• Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
• No welcome bonus or introductory APR period
• Points redeemed for statement credits are worth 0.55 cents each
• You must make at least five transactions in a statement period to earn points
• Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

• Can transfer your miles to 16 travel partners
• Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
• Doesn't earn bonus points on airfare
• No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

• Includes trip cancellation/interruption and car rental insurance
• Features a high flat cash back rate combined and popular bonus categories
• 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

• No annual or foreign transaction fees
• Discover matches the total miles you earned at the end of the first year
• Earns 1.5x miles on all purchases
• See your FICO score on the Discover mobile app, online and on statements
• Few benefits compared to other travel cards
• Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

• Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
• Includes cell phone protection plan
• No airline or hotel transfer partners
• Doesn't include travel insurance
• Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

• Earn 2x miles per dollar on most purchases
• Up to $100 credit for Global Entry or TSA PreCheck(R)
• Includes travel accident and car rental insurance
• Fewer bonus categories than other cards with a similar annual fee ($95)
• Doesn't offer travel rewards for flights
• Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

• Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
• Receive a point bonus each account anniversary
• Includes primary rental car insurance
• Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
• $95 annual fee
• Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

• Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
• Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
• Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
• Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
• High annual fee ($250)
• Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

• Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
• Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
• $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
• Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

• 10,000 bonus miles every year
• Statement credit of up to $300 for bookings made through Capital One Travel
• Up to a $100 credit on Global Entry or TSA PreCheck(R)
• Skip the line and get car upgrades when renting a car with Hertz
• High annual fee ($395)
• Fewer bonus categories than other premium cards
• No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

• 10,000 bonus miles every year (starting on your first anniversary)
• $300 annual credit for bookings through Capital One Travel
• Up to a $100 credit for Global Entry or TSA PreCheck®
• Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
• Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

• Up to $300 in statement credits each anniversary year to cover travel purchases
• Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
• Points worth 50% more when redeemed for travel expenses through Chase TravelSM
• Comprehensive travel insurance coverage, including emergency dental insurance
• High annual fee ($550)
• Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

• $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
• Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
• Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

• Access to the widest network of airport lounges of any card
• Complimentary elite status in the Marriott and Hilton hotel loyalty programs
• Hundreds of dollars in annual statement credits for travel, dining and more
• High annual fee ($695)
• Doesn't include baggage delay, travel accident and primary rental car insurance
• Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

• Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
• Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
• $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
• Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
• Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• Around $1,000 in yearly statement credits for select business purchases
• Access to a wide network of airport lounges (terms apply)
• Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
• Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

• Free first checked bag for you and a companion
• Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
• 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
• Complimentary priority boarding for you and companions traveling on the same reservation
• $95 annual fee (after the first year)
• No intro APR period
• Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

• Two one-time passes for United Club℠ airport lounges each account anniversary year
• 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
• Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
• Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

• Some cards offer up to 10x points per dollar on travel purchases.
• Many have additional bonus categories for dining, grocery shopping and more.
• They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
• Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
• Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
• They might not offer high rewards on spending outside of the travel category.
• Some of the best ones can have steep annual fees and require good to excellent credit
• Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

• Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
• Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
• Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
• General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
• Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
• Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
• Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
• Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

• Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
• Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
• If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
• Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
• If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

• Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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