hsbc everymile card travel insurance

HSBC EveryMile Credit Card

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Are you eligible?

• During the promotional period, you can enjoy an extra $800 RewardCash if you fulfill the requirements under (a) to (c): 
• (a) successfully apply for an Eligible Credit Card via HSBC website, HSBC Personal Internet Banking or HSBC HK App; and  (b) successfully complete the Registration via the designated website; and (c) make Eligible Transactions of HK$8,000 or above with the Eligible Credit Card within the first 60 calendar days after card issuance.

Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan

What you need to know

• After clicking MoneySmart’s designated link, please complete the application from asap; Do not open another web page.

All Details

Key features.

You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required)

Annual fee waiver for the first year

Enjoy 15% off your worldwide hotel bookings all year round via the Agoda website by using the HSBC EveryMile Credit Card

6 Complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year

Cathay Pacific: Receive a HKD300 spending rebate when you make a single purchase of at least HKD5,000 on the Cathay Pacific app via Apple Pay or Google Pay

Complimentary travel insurance for you and your accompanying family members, enjoy special coverage on your mobile phone

Visa concierge services

Terms and Conditions Apply

To borrow or not to borrow? Borrow only if you can repay!

Best Credit Cards

Every HK$2 = 1 mile for spending in designated categories

HK$2 = 1 mile for overseas spending (till 31 December 2023)

HK$5 = 1 mile for local purchases

Welcome Offers

New credit card customers can enjoy an extra $800 RewardCash exclusively for online applications (equivalent to 20,000 miles)

Limited offer for HSBC Visa Credit Cards: New credit card customers may enjoy an extra limited time welcome offer of up to $300 RewardCashupon successful application of an HSBC Visa Gold Card for Students by 30 April 2024 and using the card to take an MTR ride

Existing credit card customers can enjoy $200 RewardCash offer

First year annual fee waiver

Annual Interest Rate and Fees

Minimum income requirements, card association, credit card features.

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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Explore the best things about your

HSBC Elite Credit Card

Explore your Rewards

All reward options are available to redeem online anytime, anywhere. 10

Enroll to earn 3X Points on fashion purchases

Bonus Points are available by invitation only and you must enroll. Elevate your style this Spring and earn more Points. Earn 3X Points (up to $3,000 spend) when you enroll, and use your credit card to pay at women’s, men’s and family clothing stores, shoe stores and cosmetic stores from April 01, 2024, through June 30, 2024.

•   Learn More Learn More Modal link

Let your 25% TAP Miles&Go bonus take you further

Transfer your HSBC Points to TAP Miles&Go between May 1 and May 31, 2024 (ET) and receive 25% Bonus Miles. TAP Miles&Go is the rewards programme for TAP Air Portugal.

•   Learn more Learn more Modal link

home&Away

Welcome to  home&Away , a unique program offering valuable benefits here and around the world. Enjoy a variety of offers from worldwide travel, shopping & unique experiences.

•   How to use How to use Modal link

• Travel benefits
• Manage my account
• Lost or stolen card?

HSBC Travel Credit

Earn up   to  $400 per year for all airfare, hotels and car rentals  booked through HSBC Travel powered by Priceline®

Trusted Traveler Credit

Receive one statement credit every 54 months for the  $100 Global Entry®  application fee or up to $85.00 to cover towards your  TSA Precheck  Application fee.

Rewards for Miles

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

•   How to use How to use Expedia offer Modal link

Unlimited Lounge Access

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

Enjoy exclusive day passes to luxury resorts. Earn a $30 statement credit on your next ResortPass booking.

Booking.com

Make the most of your travel. Get up to 7% off prepaid bookings for accommodation.

Take 3 rides, get a $5 Lyft app credit every month. Also, get 10% off scheduled Lyft rides to any U.S. airport using your HSBC Elite Credit Card.

2024 Priceless Surprises

Your next purchase could be a chance to win big! From now until September 30, 2024, use your HSBC Credit Card and earn entries for each eligible purchase for a grand prize trip that suits your taste. Your HSBC Mastercard Credit Card could get you closer to your choice of one of the 14 dream destinations! Let your purchases create lasting memories for you.

Everyday Value

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

New subscribers get $3 off Peacock Premium or $5 off Peacock Premium Plus each month when they use their HSBC Elite credit card to subscribe. Stream new movies from theaters, hit series, exclusive originals, live sports, and more.

Get 50% off your Alo Moves membership, plus 300 bonus points to Alo Access, Alo Yoga’s loyalty program.

Shop your favorite items and top deals all in one place. Plus, sign up for a complimentary ShopRunner membership to enjoy free 2-day shipping, exclusive discounts and more.

MLB® Postseason™ Sweepstakes

You could be at the ballpark to see your favorite team play in the  MLB® Postseason™  – compliments of your HSBC Premier Mastercard® Credit Card. Enter weekly until 9/29/24, and if your team makes it to the 2024  MLB® Postseason™ , you could win two (2) tickets to a home game – even the  World Series® 

Visit  baseballsweeps.mastercard.com  to enter.

Get more from your Card

Cell phone coverage 2.

Get reimbursed up to $800 per claim, if your cell phone is stolen or damaged.

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. 8

•   Explore 200+ Offers Explore 200+ Offers Modal link

Amazon Shop with Points TM

Unlock the power of your rewards with Amazon Shop with Points. Redeeming your Credit Card Rewards Points on Amazon.com is easy. Simply link your credit card to Amazon, shop the incredible selection of products, and select HSBC Rewards at checkout to pay with your Points.

Feel better knowing you’re not being overbilled. Get a complimentary HealthLock membership with a no-cost trial upgrade.

Enhanced Experiences

Priceless experiences®.

Enjoy hidden-gem experiences and special-access events virtually and worldwide.

Priceless Golf®

Play like never before, with priceless offers and global golf experiences.

Concierge Service

A personal assistant ready to help 24/7, worldwide.

Mastercard Travel & Lifestyle Services™

Get benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class companies across hotels, air travel, tours, cruises, car rentals and more.

• Peace of Mind

MasterRental™ Coverage 2

Receive coverage on most rental vehicles when you rent for 31 consecutive days or less with your HSBC Elite Credit Card.

Travel Medical Insurance

If you have a medical emergency away from home, Travel Services Medical Protection Insurance can  help you get the best care.

Travel Accident Insurance 2

Receive accidental death or dismemberment insurance coverage up to $1 million when travelling.

Trip Cancellation Insurance 2

Pays a benefit of up to $1,500 per insured person in the event your trip is cancelled for a covered reason. 

Mastercard ID Theft Protection™ 2

Provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft. 

Identity Fraud Expense Reimbursement 2

Reimburses for eligible expenses incurred in the process of restoring your credit, up to $1,000 per claim, resulting from identity fraud.

Purchase Assurance 2

Provides coverage for most new items purchased that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.

Price Protection 2

Reimburses for the difference in price, up to $250 per claim, on eligible items should you find the same item for a lower price.

Extended warranty 

Doubles the original manufacturer’s (or store brand) warranty up to 2 years.

Travel 

Peace of mind , world class rewards.

Get rewarded for every purchase you make 1 .

3× Points on Travel

Earn three Points per dollar spent on new airline, hotel, car rental purchases and more.

2× Points on Dining

Earn two Points per dollar spent on dining purchases. From your daily coffee shop to five star restaurants. 

Enroll to Earn Bonus Points 9

Earn 3X Points on fashion purchases from April 01, 2024, through June 30, 2024.

Earn one Point per dollar spent on all other purchases.

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

60,000 Points, annually.

Redeem your points, your way!

20,000 Points

Can be redeemed for:

• $200 Cash Back
• Golf Equipment
• $300 trip booked with HSBC Travel

30,000 Points

Can be redeem for:

• $300 Cash Back
• $300 Dining Gift Card
• $450 trip booked with HSBC Travel

50,000 Points

• $500 Cash Back
• Robotic Vacuums
• $750 trip booked with HSBC Travel

Manage your card online 24/7

Tap & Go® for quick, secure payments

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

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

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

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

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

• Shop online
• Make in-app purchases
• Pay with your smartwatch or tablet

Get started by adding your HSBC Credit Card today.

• Apple Pay®³   Apple Pay®³ This link will open in a new window
• Google Pay™⁴   Google Pay™⁴ This link will open in a new window
• Samsung Pay™⁵   Samsung Pay™⁵ This link will open in a new window
• Fitbit Pay™⁶   Fitbit Pay™⁶ This link will open in a new window
• Garmin Pay™   Garmin Pay™ This link will open in a new window

Important documents

• Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download your HSBC Elite Credit Card Rewards & Benefits and Mastercard Guide to Benefits brochure Download link
• Download your HSBC Mastercard credit card Cardmember Agreement. Download your HSBC Mastercard credit card Cardmember Agreement. Download link

Please note: This Cardmember Agreement contains the Terms & Conditions for all HSBC consumer credit card products. For information about your credit card account pricing and fees, contact us via Live Chat  at or call the number located on the back of your card.

Financial Wellness

Financial Wellness Center

Your Money Counts

Seven Reasons It’s Time to Go Cashless

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

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

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

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

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

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

4  Google Pay is a trademark of Google LLC.

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

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

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

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

9  To be eligible for the campaign benefit, you must successfully enroll in the program within the specified enrollment period beginning April 1, 2024, through June 30, 2024. Bonus Points accumulation starts on the date after which you successfully enrolled into the program through the end of the campaign period June 30, 2024. Transactions made outside of this period are not eligible. Bonus points accrue based on Elite or Premier Credit Card type at the time of enrollment and will not change if account is moved to another HSBC credit card. Your credit card account must remain open, active, and in good standing to continue receiving the campaign benefit. By enrolling in the credit card campaign benefit, you confirm that you have read, understood, and agreed to the above terms and conditions and, you consent to receiving communications regarding the campaign benefit and related promotions via email or other means of communication provided by you. HSBC Bank USA, N.A. reserves the right to modify, suspend, or terminate the campaign benefit and its terms at any time without prior notice.

From April 1, 2024, through June 30, 2024, HSBC Elite Mastercard credit cardholders in good standing and after successful enrollment, will earn three (3) Rewards Program Points (one Rewards Program Point and two promotional Points), up to $3,000 on net new purchases made at stores or retailers classified under the following merchant category codes (MCC): (5311) Department stores, (5611) Men’s and boys’ clothing and accessory shops, (5621) Women's Ready to Wear Clothes  (5651) FAMILY CLOTHING STORES,  (5661) SHOE STORES, (5691) MEN'S AND WOMEN'S CLOTHING STORES , (5977) COSMETIC STORES. HSBC is not responsible for 1) the merchant’s transaction description, 2) the exclusion of merchants within a merchant category code, 3) delays in the merchant submitting the transaction, or 4) if the transaction date provided by the merchant differs from your actual purchase date. If at any point during the campaign you are no longer an Elite credit cardholder, you may no longer qualify to receive this offer. 

10  Certain restrictions, limits and exclusions may apply. Please see your HSBC Premier World or HSBC Elite World Elite Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure for details.

Connect with us

• Health & Leisure
• MTR Red Hot Stamp Card Reward
• The brand new Travel Guru membership programme
• Red Hot Spending Rewards - Mainland China & Macau
• HSBC Credit Card - Enrich your lifestyle with rewards
• Hong Kong MX
• Jade Garden
• Red Hot Shopping Special - MTR Malls
• Red Hot Travel Special – Mainland China & Macau
• Hong Kong Restaurant Week Spring 2024 – Winners' Edition
• Hotel Dining
• Chinese Cuisine
• Western Cuisine
• Japanese and Asian Cuisine
• HSBC EveryMile Credit Card Exclusive Overseas Spending Offer
• Emperor Cinemas
• Lai Sun Dining
• Cathay Pacific app
• Year-round Offers
• Earn & Burn RewardCash
• Red Hot Rewards of Your Choice
• HSBC Reward+ App
• Spending Instalment Plan
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Signature Card
• HSBC Visa Platinum Card
• HSBC Visa Gold Card
• HSBC Pulse UnionPay Dual Currency Diamond Credit Card
• HSBC UnionPay Dual Currency Card
• HSBC Visa Gold Card for Students

• Selected Dining Outlets

HSBC credit card brings you around the world. A series of travel rewards programmes with different merchant partners are launched for the first time, including frequent flyer and hotel loyalty programmes, rewarding you with time-limited offers to travel smarter! Through the HSBC Reward+ app, you can convert RewardCash into air miles and hotel points. Air miles or points will be instantly credited 4 to your account with no other handling fees. With so many more offers, it is now easier than ever to spend RewardCash, be ready to get on a flight anytime!

Click here to find out more functions on HSBC Reward+!

Use your RewardCash just the way you like. Download Reward+ to start enjoying the experience.

HSBC credit card, the best credit card in town*. The one that has it all.

Please read the following remarks.

* According to Online Credit Card Survey conducted by Ipsos in Hong Kong (2023) (Sample size = 1,000 credit card holders in Hong Kong).

• You must connect your respective travel rewards programme account to HSBC Reward+ before making any miles or points conversions. You only need to connect once during the specific promotional period.
• You have to log in to your registered travel rewards programme account in the respective App or website to view balance. If you do not receive the extra offers, please contact the participating travel rewards partners.
• A minimum of $40 RewardCash is required for each conversion.
• British Airways Executive Club Avios will be credited to your Avios account within 2 weeks of conversion.
• The basic and bonus points of the travel rewards programmes (except Cathay Membership Programme) will be credited to your account in two separate entries after conversion.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play™ is a trademark of Google LLC.

Click here for Terms and Conditions

Call 2748 8033 Visit www.hsbc.com.hk/creditcard

To borrow or not to borrow? Borrow only if you can repay!

Reference number: Y22-U8-CAMH0701

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里先生 Mr. Miles | 里數攻略 | 信用卡酒店旅遊優惠情報

分享如何利用信用卡積分里遊世界，拆解信用卡魔鬼條款！

【解讀HSBC EveryMile旅遊保險】滙豐EveryMile信用卡預定酒店或機票免費送Travel Insurance

除咗 免費入機場Lounge ， 滙豐Everymile信用卡 其中一個大賣點係送免費旅遊保險Travel Insurance，點當然夾得係呢張 免年費信用卡 到，咁梗係有啲條件啦，不過都算貼地，中以下其中一個條件就有free travel insurance：

旅程必須符合以下(a)或(b)中列出的條件下，最長180日內出發:

//(a) 以香港發行的「滙豐EveryMile信用卡」為 受保旅程支付或結算全部費用後 ,包括:

• 出境或入境香港之海、陸、空交通費用;和/ 或
• 整個受保旅程的海外酒店費用;和/ 或

(b) 如未能符合上述 (a) 之要求,而以上 1)、2) 或 3) 其中一項或多於一項的部分費用以EveryMile信用卡所賺取的「獎賞錢」兌換,而有關之額外費用(包括稅項及燃油附加費及任何其他根據當地規定而需支付的費用(如適用))必須由持卡人以EveryMile信用卡支付。

此旅程必須以香港作為原出發地點及最終目的地,直至受保人返回及重新進入香港境內或每次旅程滿90天為止(以較早者為準)。 由香港出發的單程旅程不受保障 。//

以上(a)都易明，(b)就好似講咗里數換機票俾稅都適用， 但睇條款前題係要用HSBC EveryMile信用卡>Asia Miles>再兌換航班先算數 ，啫係你點都要用過HSBC EveryMile信用卡嚟換過Miles先有everymile travel insurance受保。

個保障範圍包咗手機遺失或損壞(上限HK$2,000) 同行程取消等等，保障都幾全面！而且仲涵蓋埋同行家人嘅有關保障，一家人去旅行嘅話可以買少幾份旅遊保險，計落真係可以慳返唔少！個優惠唔使登記咁麻煩，只要達成以上條件就得。

而我都知大家對於滙豐EveryMile信用卡嘅旅遊保險有好多問題，我都收集咗唔少讀者問嘅問題，我就嘗試下係下文答返大家常見嘅問題。

更多HSBC優惠： 滙豐信用卡優惠合集 、 HSBC信用卡比較 、 HSBC最紅飲食簽賬優惠 、 HSBC最紅網購優惠 、 HSBC最紅海外外幣簽賬2023

滙豐EveryMile信用卡旅遊保險

點樣先可以有everymile信用卡嘅free travel insurance？.

簡單嚟講everymile旅遊保險唔使登記，只要用Everymile信用卡全數支付訂酒店、機票或者報旅行團嘅費用，甚至乎用里數換機票用張卡嚟俾稅都可以免費有個旅遊保險(但都仲有條件)。

可以自行解讀下呢句(b) 如未能符合上述 (a) 之要求,而以上 1)、2) 或 3) 其中一項或多於一項的部分費用以EveryMile信用卡所賺取的「獎賞錢」兌換,而有關之額外費用(包括稅項及燃油附加費及任何其他根據當地規定而需支付的費用(如適用))必須由持卡人以EveryMile信用卡支付。

Everymile travel insurance包埋同行家人嗎？

持卡人、同行配偶同埋24歲或以下未婚子女(21歲以上就一定要係全日制學生)都可以受到EveryMile信用卡旅遊保險嘅保障，但係記得持卡人一定要一齊去而且費用係用EveryMile卡支付先可以免費享有個保障。

Everymile旅遊保險有咩保障？

保險涵蓋個人意外、醫療、行李延誤、財物、證件及手機保障及旅程取消保障等等。詳情可以睇返保單：

中文： https://www.hsbc.com.hk/content/dam/hsbc/hk/tc/docs/credit-cards/everymile/everymile-insurance-policy-factsheet.pdf

英文： https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/credit-cards/everymile/everymile-insurance-policy-factsheet.pdf

旅遊保險有無限定要係邊到出發？可以保障幾耐？

個旅程一定要係由香港出發嘅 來回旅程 ；旅遊保險會保障你成個旅程，最多90日。

附屬卡持有人有無得用旅遊保險？

滙豐EveryMile信用卡無出附屬卡的。

滙豐EveryMile信用卡迎新

• 優惠期：2024年3月1日至2025年2月28日期間
• 達HK$8,000，有 $800 「獎賞錢」(相等於 16,000 里)
• 啟動新卡後成功申請「現金套現」分期計劃，獲批金額達港幣20,000元或以上，並選擇12個月或以上還款期，有額外 $200「 獎賞錢」 ( 相等於 4,000 里 )
• 「全新信用卡客戶」：於處理其申請時 沒有任何 由滙豐已批核的個人信用卡基本卡的客戶
• 首2個月月結單完全無須還卡數，並不會產生財務費用或逾期費用，讓您消費更輕鬆自在 (適用於新信用卡客戶及需於發卡後首60個曆日內啟用實體信用卡，毋須登記)
• 達HK$8,000，有 $200 「獎賞錢」(相等於 4,000 里)
• 係Agoda book酒店同國泰買機票有優惠
• 增加至16種飛行常客計劃或酒店獎勵計劃，拎嚟兌換里數或者酒店staycation都得！
• 八達通增值及eBanking繳費都有回贈
• HSBC信用卡優惠 夠多夠密
• 滙豐EveryMile信用卡仲送埋每年 HSBC免費旅遊保險
• 6次機場貴賓室+ 機場酒吧Intervals 俾你玩

• 2023年9月1日至2024年2月29日期間，全新信用卡客戶如果啟動新卡後再成功申請「現金套現」分期計劃，獲批金額達港幣20,000元或以上，並選擇12個月或以上還款期，享 $200 「獎賞錢」（相等於2,000里）
• 簡化回贈方式，無需登記，無最低簽賬要求，網上簽賬4%回贈！超市簽賬2%回贈！其他本地及海外簽賬都有1%回贈！
• 夠彈性，以 「獎賞錢」RC 形式存入，可以配合HSBC Reward+ App「賞付款」功能抵扣簽賬交易，亦可以直接轉換為里數或喺 e-Shop 換禮品／coupon
• 每月結單週期首HK$10,000網上繳費有0.4%回贈，市面上絕大部份銀行已沒有相關回贈
• 海外註冊商戶港幣付款之信用卡交易無需手續費 （如Airbnb／Booking.com／Agoda用港幣俾錢其他卡可能要收1%手續費）
• 直接 轉換「獎賞錢」至里數戶口 免手續費
• Red Card Deliveroo 優惠
• 獎賞錢有效期於簽賬後最多2年，最少1年(按簽賬年度計算)

基本迎新：HSBC Visa Signature網上申請迎新獎賞高達$800「獎賞錢」（相等於8,000里）

• 優惠期：2024年3月1日起至2025年2月28日
• 不可獲享迎新： 於合資格信用卡批核日起計之過去 12 個月內曾取消任何滙豐個人信用卡基本卡
• 全新信用卡客戶：獲享$800「獎賞錢」迎新＋套現HK$20,000或以上及12個月或以上還款期: 額外$200「獎賞錢」＝$1,000「獎賞錢」
• 現有信用卡客戶：獲享$200「獎賞錢」
• A.迎新：$800「獎賞錢」
• B.基本獎賞錢回贈(0.4%)：$32「獎賞錢」
• C.最紅自主獎賞(2%)：$160「獎賞錢」
• D.滙豐Visa Signature卡尊享額外回贈(1.2%)：$96「獎賞錢」
• 加總以上👉 總共 $1,088 獎賞錢(相等於13.6%「獎賞錢」或HK$0.74/里)
• E. 再套現港幣20,000元或以上，並選擇12個月或以上還款期 : $200「獎賞錢」
• A - E加埋總共 $1,288 「 獎賞錢」
• 食中 最紅自主 5X類別，Visa Signature做到高達3.6%回贈/ $2.78=1里
• 經常有特別Bonus, e.g. HSBC萬寧 / HSBC百老匯 或其他 HSBC信用卡優惠
• 海外註冊商戶港幣付款信用卡交易無需手續費 (如Airbnb/Uber用港幣俾錢其他卡可能要1%手續費)
• 每月結單週期首HK$10,000 網上銀行ebanking繳費 有0.4%回贈，市面上絕大部份銀行已沒有相關回贈
• HSBC獎賞錢轉換飛行里數無手續費 ，換Asia Miles更可即時到賬
• 獎賞錢有效期於簽賬後最多2年，最少1年(按簽賬年度計)
• 玩法相對複雜，要注意既限時優惠/條款/最低簽賬要求多，唔識玩平日本地簽賬只得$25=1里
• 如果唔中最紅自主六類別，平日簽賬得$25=1里
• 優惠推廣期：2024年3月1日起至2025年2月28日
• 全新信用卡客戶 ：獲享$800「獎賞錢」，再套現港幣20,000元或以上，並選擇12個月或以上還款期可獲享額外 $200「獎賞錢」
• 現有信用卡客戶 ：獲享$200「獎賞錢」
• 全年簽賬高達2.4%「獎賞錢」回贈
• 滙豐新舊客戶都可以食迎新
• 開卡門檻唔算高，年薪要求HK$15萬（即月薪HK$12,500）就申請到
• 網上繳費都有回贈（每月首HK$10,000先有）
• 於百佳、屈臣氏及豐澤簽賬可享高達6倍 「易賞錢」積分
• 八達通自動增值得0.4%回贈
• 增值電子錢包（ Payme 、 八達通 、 Wechat Pay 及  Alipay ）唔計迎新合資格簽賬

HSBC Pulse 銀聯卡迎新

• 優惠期：即日起至2024年3月31日
• 經網上申請，並於發卡後首60個曆日內累積簽賬達HK$8,000，可享 $800「獎賞錢」 + 新春額外迎新優惠：額外$288「獎賞錢」
• 啟動新卡後再成功申請「現金套現」分期計劃，獲批金額達港幣20,000元或以上，並選擇12個月或以上還款期，再享額外$200「獎賞錢」(相等於 2,000 里)
• 現有客 戶 網上 迎新優惠經網上申請，並於發卡後首60個曆日內累積簽賬達HK$8,000， 有$200「獎賞錢」 (相等於 2,000 里)
• 不可獲享迎新：於合資格信用卡批核日起計之過去 12 個月內曾取消任何滙豐個人信用卡基本卡
• 內地同澳門簽賬交易費用全免(Pulse銀聯雙幣鑽石卡尊享)
• 用港幣同人民幣結賬，唔需要擔心匯率波動
• 食中 最紅自主 5X類別做到低至$4.17
• 優惠期·：2024年3月1日起至2025年2月28日
• 全新信用卡客戶：獲享$800「獎賞錢」(加埋套現HK$20,000或以上及12個月或以上還款期: 額外$200「獎賞錢」)
• 全新信用卡客戶如果啟動新卡後再成功申請「現金套現」分期計劃，獲批金額達港幣20,000元或以上，並選擇12個月或以上還款期，再享額外$200「獎賞錢」（相等於2,000里）
• 食中 最紅自主 5X類別加 最紅海外及網上獎賞 ，做到高達2.4%回贈/ $4.17=1里
• 經常有特別Bonus, e.g. HSBC萬寧 / HSBC百老匯 或 其他HSBC信用卡優惠
• 海外註冊商戶港幣付款信用卡交易無需手續費 (如Airbnb/Booking.com用港幣俾錢其他卡可能要1%手續費)

滙豐滙財金卡-學生卡迎新

• $300「獎賞錢」(須於於發卡後首 60 個曆日內簽賬滿HK$2,000或以上)
• 繳交學費享高達額外$400「獎賞錢」回贈
• 網上簽賬享高達4.4%「獎賞錢」回贈
• 用八達通自動增值或PayMe增值有回贈
• 於CGV Cinemas睇戲有優惠

滙豐EveryMile信用卡其他優惠

滙豐 EveryMile信用卡香港及海外 免費機場貴賓候機室服務 或指定機場食肆之免費餐飲服務(香港及海外都有)

• 環亞機場貴賓室及指定機場食肆： 名單
• 免費機場貴賓室及餐飲服務(包括 機場外賣 及 機場空中酒吧Intervals )

HSBC EveryMile信用卡專享海外簽賬優惠

每階段首$15,000海外簽賬低至HK$2/里！每階段要簽賬滿$8,000！就算計返現金回贈都有2.5%！

• 階段1：2024年1月1日至3月31日
• 階段2：2024年4月1日至6月30日
• 優惠推廣期：2024年1月1日至2024年12月31日
• 憑 滙豐EveryMile卡 或 Visa Signature卡 於國泰App，以Apple Pay或Google Pay單一簽賬滿$5,000並繳付所有有關費用（包括稅項及附加費） 👉 即享 $300簽賬回贈  ( 條款 )
• 每位客戶每月最多可享港幣300元簽賬回贈
• 優惠只適用於由香港出發的航班及由香港發出的機票

HSBC EveryMile信用卡Agoda優惠

• 預訂全球酒店可享低至85折優惠
• 每月不定時推出限定快閃優惠
• 更多優惠： Agoda優惠碼
• 享受24小時Visa禮賓服務，更有專屬熱線隨時為您服務

滙豐 EveryMile申請網址： MrMiles.hk/hsbc-mile-apply

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HSBC TravelOne Card: Miles game, meet shake-up

The HSBC TravelOne Card boasts competitive earn rates and lounge entitlements, but what excites me the most are its transfer partners.

HSBC has launched the HSBC TravelOne Card, its first entry-level miles card for the Singapore market.

Do we really need another miles card? Well, that’s the thing- it’d be a mistake to dismiss the TravelOne as “just another miles card”.

I attended the launch event today and spoke with the team behind the product. There’s a lot to get into, but here’s the key highlights:

• A 20,000 miles sign-up offer with S$800 min. spend, valid for new and existing customers
• 1.2 mpd on local spend, 2.4 mpd on FCY spend
• 4 complimentary lounge visits per calendar year
• No conversion fees till 31 December 2023
• Transfers completed “instantly or within one business day” 
• 12 hotel and airline transfer partners

I want to focus specifically on the final point, because that’s what’s got me the most excited. Not only does HSBC now have the most transfer partners in Singapore (taking the crown from Citi), it intends to add new airline and hotel partners at an aggressive pace, and I mean aggressive. The goal is more than 20 partners by the end of 2023!

I’ve seen the roadmap, and while I can’t share specifics, there are some names that would make the miles community here very happy…

Overview: HSBC TravelOne Card

The HSBC TravelOne Card (which I suspect we’ll soon be calling the T1 Card, given the styling on the card face) has a minimum income requirement of S$30,000 . If you do not meet the minimum income requirement, a minimum fixed deposit collateral of S$10,000 will apply. 

Cardholders will pay an annual fee of S$194.40, waived from the second year onwards if they spend at least S$25,000 in a membership year. 

It’s not clear from the T&Cs whether cardholders will receive any miles for paying the annual fee each year.

HSBC TravelOne Cardholders earn:

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

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

While it won’t be a substitute for a 4/6 mpd card, these are very compelling earn rates compared with other entry-level general spending cards. That’s all the more when you remember that HSBC awards points for transactions as small as S$0.50, compared to S$5 for the UOB PRVI Miles Card and OCBC 90 ° N Card, its two closest rivals. 

My main concern here is the lack of a bonus category. While earn rates of 1.2/2.4 mpd are decent, it’ll take quite a lot of spending to reach a critical mass of points, especially since HSBC excludes CardUp and ipaymy transactions from earning rewards, and because points don’t pool with other HSBC cards.

Sign-up bonus

From 11 May to 31 August 2023 , customers who apply for a HSBC TravelOne Card will enjoy 20,000 bonus miles (in the form of 50,000 HSBC points) when they:

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

This offer is valid for both new and existing HSBC cardholders. 

The qualifying spending period is as follows:

20,000 miles for S$800 spend and a S$194.40 annual fee is a tidy return; put it another way, you’re paying about 0.97 cents per mile (S$194.40/20,000 miles), which is a great price especially when you factor in transfer partner variety. 

If you’re a new HSBC cardholder, you’ll also receive a further S$30 cash when you apply via SingSaver. You can use any of the links in this post, or refer to this article. 

Bonus crediting

Bonus miles (in the form of HSBC points) will be credited within 90 days from the card opening date, provided the eligibility criteria is met.

Terms & Conditions

The terms and conditions for the welcome offer can be found here.

Points Expiry

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

Transfer Partners

Here’s what I think is the biggest selling point of the HSBC TravelOne Card: transfer partners.

HSBC points could previously be transferred to just Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles, but the HBSC TravelOne Card comes with nine airline and three hotel partners. 

Conversions can be done via the HSBC Singapore app ( Android | iOS ) and are processed “instantly or within one business day” (except Accor, which takes five business days). During the media event, they consistently emphasised the “instant” aspect, but the website uses more nuanced language “instant or within one business day”. I suppose that’s just in case.

All conversion fees will be waived until 31 December 2023.  It’s unclear what they’ll be after that, so stay tuned.

The upshot is that HSBC (9 airlines, 3 hotels) has now wrestled the “most transfer partners” crown from Citibank (10 airlines, 1 hotel).

It’s nice to see three hotel partners, although the transfer ratios won’t be worthwhile for most people. This isn’t a HSBC-specific problem, mind you; Citibank and Standard Chartered have similarly weak ratios for hotels. We might just need to accept that we’ll never have a decent hotel points card in Singapore.

On the airline side, all three alliances are represented: Star Alliance (SIA, EVA) oneworld (BA, Cathay, Qantas) and SkyTeam (Air France/KLM, Vietnam).

In addition to mainstays like Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles,  it’s great to see British Airways Executive Club with their sweet spots for short-haul Economy travel. Don’t forget that British Airways Avios can also be used within Qatar Privilege Club too, which offers great value for Singapore-Europe/North America travel, with no fuel surcharges. 

This will also be the first time Vietnam Airlines LotusMiles has partnered with a bank in Singapore. I don’t know a lot about this programme, but based on some quick research I don’t think there’s much to get excited about; award tickets cost significantly more during peak periods, there are fuel surcharges, and partner awards can’t be booked online.

What you should be excited about, however, are HSBC’s plans to ramp up its airline and hotel partner count over the rest of 2023. HSBC aims to have more than 20(!) airline and hotel partners by the end of 2023, including one name I can’t disclose now, but let me put it this way: if it happens, it’s going to make a lot of miles chasers very happy. 

Lounge Visits

HSBC TravelOne Cardholders enjoy four complimentary lounge visits per calendar year, provided by DragonPass.

This is a relatively generous allowance for the segment in which the card competes.

Two interesting things to note.

First, the allowance is based on calendar year , not membership year. This means that a HSBC TravelOne Cardholder who gets approved in May 2023 will receive four visits to use from May to December 2023, then another four visits come 1 January 2024 (unused visits cannot be carried forward).

They could theoretically use up to eight lounge visits in their first membership year, regardless of whether they choose to renew the card. 

Second, it’s interesting to see that HSBC is going with DragonPass for the TravelOne Card, since the HSBC Visa Infinite uses LoungeKey.

And yet I’m glad they have, because the DragonPass network is arguably more useful given Plaza Premium’s divorce from The Collinson Group (which runs Priority Pass and LoungeKey). DragonPass members can still access Plaza Premium Lounges as per normal, and at some airports (e.g. Kuching, Penang) that’s the sole contract lounge option.

Lounge visits can only be used by the principal cardholder, however. That’s a bit odd, since you can normally share allowances with other cards. 

Travel Insurance

An expected feature, but still worth mentioning: HSBC TravelOne Cardholders who charge their air tickets to the card will receive complimentary travel insurance coverage (including COVID-19) of up to US$100,000, underwritten by HSBC Life. 

This covers both the cardholder and their family. 

HSBC has confirmed that coverage will also apply in situations where you redeem a ticket with miles and use the HSBC TravelOne Card to pay the taxes and surcharges. 

What excites me most about the HSBC TravelOne Card is not its earn rates or lounge access, competitive though they may be. It’s the possibilities. 

This card isn’t even one day old and it’s already dethroned Citi in terms of transfer partners, with plans to pull even further ahead as 2023 progresses. Granted, not all the new partners will be “useful” to miles chasers, and otherwise useful ones may have transfer ratios that negate their value. We simply don’t know at this point.

But I’m choosing to be optimistic here. After a steady diet of KrisFlyer and Asia Miles (nothing wrong with them, mind you), it’s refreshing to see the miles universe expanding in Singapore. New programmes mean new sweet spots, new routing rules, new quirks and loopholes that diligent users can leverage. It’s about time, if you ask me. 

What’s missing here is the addition of a bonus category. With earn rates of 1.2/2.4 mpd, it would take a significant amount of spending to earn your way to a redemption. The next step here would be to expand the new partners to the HSBC Revolution , because that’s when things will truly fall into place. 

What do you make of the new HSBC TravelOne Card?

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Act fast: uob lady’s savings account open to men, ahead of schedule, is citi payall still worth using with a 2.6% fee, 51 comments.

No mention when the HSBC points will expire?

standard 37 month expiry policy, same as rest of hsbc cards. will update the post.

Does it work with amaze to hit the minimum spend of $800??? Cardup is excluded but not shown whether amaze spend is included.

hsbc has not excluded amaze- yet.

does paying annual fee renewal get you 10k miles?

The article says lounge can be used by principal cardholder bringing their guest with them. But the T&C that’s linked doesn’t mention?

clarified with hsbc that lounge visits are only for principal cardholder. updated, thanks.

Aaron, I understand that HSBC Points can’t be transferred to new airline partners yet, but when do you think that will happen? Asking as my Revolution points expire in October. Thanks

i do not know.

can i pool them together with hsbc revo card?

points do not pool.

im assuming TravelOne Card and Revolution card cant be pooled?

Would the points here pool with Revolution? Thanks!

just saw it does NOT. thanks

why singsaver?

Can’t milelion run its own redemption program?

yeah why not have run your own redemption program

yeah why not have your own redemption program

yeah not have run your own redemption program

Great to see development in the miles game in Singapore. I hope HSBC joins the fray for premium cards, 120k and 500k segments as well!

Competition is only good for the consumer.

They already do have a 120K card?

The Visa Infinite

Exciting times!!!

Unless I’m forgetting anything, 2.4mpd for FCY is best in class right?

well SCB VI offers 3 mpd, but has a min spend of $2k. it would be best in class for a general spending card.

Hard pass for me if the points don’t pool. Never going to be earning enough miles to make sense.

Also why do cards like these and the revised Amaze come with those concave cut outs at the end?

tiny bit of comfort for pushing it into the card reader, and also helps users instantly tell which side to push in.

an accessibility feature for visually impaired individuals, it lets them know which end to insert

Interesting… but somewhat unconvinced that the broader list of transfer partners is worth skipping 4/6 mpd. I would love to be proven wrong though.

2 things ok? General vs category spending card

I know we shouldn’t just a credit card by its looks, but that’s a beautiful card design!

Actually, what interest me is the hotel points transfer. 10k initial pts on Accor that should be EUR200? Better than IHG 20k @ USD0.5cents/pts

Qatar Privilege Club does charge fuel surcharge:

• Long haul economy:  US$70
• Long haul business:  US$140
• Short haul economy:  US$35
• Short haul business:  US$70

these are award segment fees, not fuel surcharge. they’re annoying for sure, but nowhere as bad as YQ. *shrugs*

Now I wonder how they gonna upgrade their VI card given the poor earning rate on the card

Curious to know if any miles will be given upon renewal from 2nd year onwards.

Good card but sadly I think it doesn’t offer any annual fee renewal. I am wondering if it’s possible to get subsequent annual fee waive if not I may not hold this for long other than potential cardup exploit.

I mean amaze* exploit

Can you tell us which is the one partner which will make a lot of mile chasers happy? I promise not to tell anyone.

Transfer partner would be – just like the partnership HSBC has for EveryMile Credit Card in Hong Kong.

Frequent flyer programmes

Aeroplan Asia Miles™ British Airways Executive Club Avios* Etihad Guest Emirates Skywards Finnair Plus Flying Blue Infinity MileageLands* Lotusmiles 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™

Talking about a massive hype up heading, leading into a product that whilst good also comes with some major issues that means it fizzles out, and then an unspecified promise that it is goong to be so awesome later on at some unspecified point in the future. Quite a let down as you sift through how this product could have so easily been improved but as it is now is decidedly so-so. It is a bit sad that what is actually a decent product is going to be let down by uncertainty over one factor – annual fee. Is this …  Read more »

thanks for taking the time to share your thoughts! some valid points here worth discussing. is it a perfect product? hardly- but few things are. Re: annual fee, we’ll need to see what happens towards the end of the first year, but let’s cross that bridge when we get to it. In the meantime, paying the first year AF gets you the sign-up bonus (even for existing customers, mind you- that’s very rare among banks), so it’s something I’m ok with. Obviously if the AF cannot be waived in the second year, there’ll be an exodus of cardholders- and then …  Read more »

Pass for me. HSBC service & support sucks big time and this is where I don’t want to stuck with them. Also the sign up offer 20,000 if I spend 600 & pay the annual fee. The cost of the mile is > 1c (including the 600). Payall can give me that without another card.

Waive annual fee liao

miles devaluation is so bad nowadays, paying such rates now also need to think twice

Is it me? or does the card looks like a world elite mastercard?

Not just you. It really looks like the logo- but it’s a world mc

Same. I think it’s coz the logo is silver, not the red and yellow one.

How about payment of NTU fee using the card?

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Get up to $800 rewardcash / 16,000 miles when you apply for an everymile card now. t&cs apply..

Please note that Asia Miles and Marco Polo Club have been combined under Cathay Membership Programme.  For more details, please visit: www.cathaypacific.com

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• Convert your RewardCash for up to 15+ travel rewards programmes, including frequent flyer and hotel loyalty programmes on the HSBC Reward+ app
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Convert your RewardCash to use at 15+ travel rewards programmes – the widest coverage in Hong Kong

Exclusively for everymile card customers.

Convert your RewardCash (RC) on the HSBC Reward+ app at a preferential rate of $1 RC = 20 miles or points at 15+ travel rewards programmes.

Redeem free tickets from over 110 airlines and enjoy other travel privileges around the world.

Frequent flyer programmes

• Cathay membership programme

British Airways Executive Club Avios *

Etihad Guest

Emirates Skywards

Finn air 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 One 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.

Other HSBC credit card customers

Convert your RewardCash into miles at any of these 3 frequent flyer programmes:

Every $1 RC = 10 miles

• British Airways Executive Club Avios**

Every $1 RC = 15 miles

• Singapore Airlines KrisFlyer**

** For customers who hold a valid Premier Mastercard

Redeem miles and points in just a few taps on the HSBC Reward+ app!

• HSBC Reward+ app
• Other channels (not applicable to EveryMile cardholders)

Log on to the HSBC Reward+ app and:

1. Add your account (first-time users only)

• Choose your preferred travel rewards programme. Select 'Use RC', then 'Miles & Travel Privileges'.
• Enter your travel rewards programme account details 1 to add your account 2  to the HSBC Reward+ app.

2. Convert your RewardCash into miles or points

• Choose a travel rewards programme.
• Enter the amount of RC you want to convert 3 to proceed.

Once your RC has been successfully converted, you'll receive confirmation by SMS and email. The converted miles or points will be added to your connected account instantly for most programmes 4 .

3. Redeem flights or hotel accommodation with your miles or points

• Visit the website of the travel rewards programme to redeem tickets or other travel privileges using the miles or points you've earned.

1. Complete an enrolment form (first-time users only)

• Complete an enrolment form 2 and submit it to us.

Download enrolment form

Enrol online  (for Cathay membership and Singapore Airlines KrisFlyer only)

Note: Please allow up to 2 working days for us to process your enrolment.

2. Convert your RewardCash into miles

• Complete a conversion form 3 and submit it to us online or via email.

Download conversion form

Convert online  (for Cathay membership and Singapore Airlines KrisFlyer only)

Note: Please allow up to 2 weeks for your request to be processed.

3. Redeem flights with your miles

• Visit the website of the frequent flyer programme to redeem tickets using the miles you've earned.

HSBC Reward+ app 

Other channels (not applicable to everymile cardholders) .

1   Your name for the travel rewards programme account must match your name in HSBC records

2   If you have not enrolled in any travel rewards programmes yet, visit their websites to enrol right away. You'll receive a membership number upon your enrolment.

3   You must convert a minimum of $40 RC per conversion.

4   Please refer to the table in the 'Exclusively for EveryMile Card customers' section above for the most up-to-date list of travel rewards programmes. Kindly allow 2 weeks for your miles or points to be converted for Infinity MileageLands, Singapore Airlines KrisFlyer and British Airways Executive Club Avios.

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