HSBC Revolution nerfing Airbnb, Klook, Pelago and many hotels from January 2024

From January 2024, the HSBC Revolution Card will drop MCCs 4722 and 7011 from its bonus whitelist, meaning no more 4 mpd on some popular merchants.

Following its relaunch in August 2020, the HSBC Revolution has become a virtually essential card for miles chasers, with 4 mpd on dining, groceries, travel, shopping and transport. The absence of an annual fee and complimentary copy of The Entertainer are just the icing on the cake.

While the list of bonus categories is substantial, it’ll unfortunately be parred down from 1 January 2024, with the loss of several travel-related merchants. 

HSBC Revolution narrowing bonus whitelist

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Per an update to the HSBC website, MCCs 4722 and 7011 will no longer be eligible to earn 4 mpd from 1 January 2024 onwards. 

 

Starting from 1 January 2024, there’ll be changes in the qualifying transactions or eligible purchases.

The Merchant Category Codes (MCC) 4722 and 7011 will be removed from the list of eligible transactions and no longer be rewarded with 10× Reward points. Please refer to our credit card FAQ page for the changes in detail.

-HSBC

Instead, these transactions will earn 0.4 mpd, like all other non-bonus categories.

MCC 4722 refers to Travel Agencies & Tour Operators, which includes:

🏖️ MCC 4722 (Travel Agencies & Tour Operators)
(non-exhaustive)
  • Agoda
  • Changi Recommends
  • Expedia
  • Hotels.com
  • Kayak
  • KKday
  • Klook
  • Pelago
  • Skyscanner
  • Traveloka
  • Trip.com
  • All brick-and-mortar travel agents (e.g. Chan Brothers, CTC, Dynasty, EU Holidays, Nam Ho etc.)

This is a big loss for cardholders, no doubt. It means the end of 4 mpd for all major OTAs, as well as activities booking platforms like KKday, Klook and Pelago. And if you’re the kind of person who books travel through a traditional travel agency like Chan Brothers or Dynasty, you’re out of luck too.

MCC 7011 refers to Lodging- Hotels, Motels and Resorts, which includes:

🏨 MCC 7011 (Lodging- Hotels, Motels and Resorts)
(non-exhaustive)
  • Airbnb
  • Marina Bay Sands
  • Millennium Hotels & Resorts
  • M Social
  • Pan Pacific Hotels
  • Rakuten Travel
  • Resorts World Sentosa

Most major hotel chains have their own unique MCCs in the 3500-3999 range (refer to this document for more details), such as Hilton (MCC 3504), Hyatt (MCC 3640), Marriott (MCC 3509), and Wyndham (MCC 3722). However, real-world data points suggest it’s still possible for individual properties to code under MCC 7011, as the screenshot below shows.

Screenshot: Matthew

Moreover, there are a substantial number of medium-sized chains and independent hotels which fall under MCC 7011, not to mention Airbnb. 

What’s slightly ironic is that when the HSBC Revolution got rebooted in August 2020, MCC 7011 wasn’t on the whitelist. It was only after I contacted HSBC asking about this omission that it was subsequently added. Back to square one, I guess…

One potential workaround for the 4722/7011 nerfing is to pay with a BNPL service like Atome, where accepted. This codes as MCC 5999, which is still on the HSBC Revolution’s whitelist.

If you’re uncertain about the MCC of a particular merchant, here’s three ways of looking it up prior to purchase:

MethodEase of UseReliability
HeyMax●●●
📱 Instarem app●●●●
🤖 DBS digibot
●●●

Alternative cards to use

Fortunately, despite the nerf, there are still other cards which can earn you 4-6 mpd on these MCCs. 

💳 Best Cards for MCC 4722 & 7011
CardEarn RateRemarks
UOB Lady’s Card
Apply
6 mpd
Max S$1K per c. month. Must choose Travel as bonus category
Review
UOB Lady’s Solitaire
Apply
6 mpd
Max S$3K per c. month. Must choose Travel as bonus category
Review
DBS WWMC
Apply
4 mpd
Max S$2K per c. month
Review

The UOB Lady’s Cards will earn 6 mpd on MCC 4722 and 7011, provided Travel is selected as your quarterly bonus category. 

Explained: Which MCCs are included in the UOB Lady’s Card “Travel” category

Likewise, the DBS Woman’s World Card will earn 4 mpd on MCC 4722 and 7011, provided the transactions are processed online. In the case of hotel bookings, this means your reservation must be fully prepaid at the time of booking, not at the time of check-in/out.

To the extent that you’re able to pay in-person at a contactless terminal, the UOB Preferred Platinum Visa or UOB Visa Signature are also potential options for 4 mpd.

HSBC Revolution revised bonus categories

Despite the nerf of MCCs 4722 and 7011, the HSBC Revolution will continue to have a good-sized whitelist. 

CategoryMCCsExamples
(non-exhaustive)
Airlines, Car Rental, Lodging, Cruise Lines3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511Singapore Airlines, Scoot, Cathay Pacific, Emirates, Hilton, Hyatt, Marriott
Dept. Stores & Retail Stores4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999 Amazon, Best Denki, Book Depository, Harvey Norman, Lazada, Qoo10, Shopee, Taobao
Supermarkets, Dining & Food Delivery5411, 5441, 5462, 5499, 5811, 5812, 5813, 5814Cold Storage, Deliveroo, NTUC FairPrice, Sheng Siong, foodpanda, GrabFood, WhyQ
Transport & Membership Clubs 4121, 7997 Comfort, Grab, gojek,  TADA, Ryde, Fitness First
Bonuses apply regardless of whether spend is in SGD or foreign currency

This covers major spending categories such as restaurants, supermarkets, ride-hailing services, airlines, cruise liners, car rental, food delivery, and most kinds of shopping.

So even though the nerf is annoying, it’s far from a fatal blow. You’ll still find plenty of use cases for the HBSC Revolution, and will simply have to redeploy MCCs 4722/7011 to other cards.

Conclusion

From January 2024, the HSBC Revolution will be narrowing its list of travel-related merchants, with MCCs 4722 and 7011 no longer eligible to earn 4 mpd.

This means you’ll need to find an alternative card for Klook, Pelago and most OTAs, as well as Airbnb and selected hotels. But in an ideal scenario, you’d be using the UOB Lady’s Card or DBS Woman’s World Card for such bookings in the first place.

Any other big losses from the exclusion of MCC 4722/7011?

(HT: Roger)

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Benny egg

So this means that hotel dining transactions are not dubious again , as wasn’t it one of the revo’s beauty that hotel or restaurant would not have been a problem previously right?

Last edited 3 months ago by Benny egg
Traz

Think testing with a blocked DBS visa card is better, since MCC may differ for Visa as opposed to Mastercard

Ben

I suppose this affects flight ticket purchases via OTA (Trip, Traveloka) as well?
That’s disappointing.

CSS

Most of time I only use this card for Dining… local/overseas.
Hotels I usually paid using UOB VS (>1k FCY), if the Lady’s card exhausted the 3k cap.

CSS

Also to add, if anything fail, will fall back to general spending cards

chk

Thank you Aaron. I just saw email and wondering what was 7011 thought of TML….but OMG….exclusions are worse than I thought 😳

Kel

Guess my Revo card will stay home for future trips.

Last edited 3 months ago by Kel
Tony

Me too. I dislike this type of bait trick and somewhere along the line they pull the carpet from under you.

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