if you had been reading my articles, you will know that I have mentioned over and over again to avoid HSBC credit cards for air miles because their conversion rate is damn bad and they can suka-suka change their Terms and Conditions overnight!

I used to have a HSBC credit card but I had to terminate it to stop their pesky pest telemarketers to stop calling me!

Recently HSBC has been promoting their new Travel One MasterCard and a few people contacted me to ask if it is any good – and my answer to them is go see their conversion rate to air miles and you will conclude that all HSBC credit cards are useless!