Melbourne - LA , 10th May 2016 , example flight i pulled up is $759.28, or 66,600 pt
so 20,000 HSBC points could get you 11,500 velocity points, versus $100 as a gift card
the 11,500 velocity points is 17.2% of the flight total, which is supposedly $ equivalent to $130.50
so 30% more value in...