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    HSBC Credit Card Eligibility

    To be eligible for an HSBC credit card, you will have to fulfil the following requirements:

    • You must be 21 years or older to apply for a principal card.
    • You must be 18 years or older to apply for a supplementary card.
    • If you are a Singapore citizen, or a Permanent Resident and are a salaried employee, your annual income should be at least S$30,000.
    • If you are a self-employed/commission-based individual or a foreigner, your income per year should be at least S$40,000.
    • If you are unable to meet the minimum income requirements mentioned above, you should have a fixed deposit surety of at least S$10,000.

    Documents required you will have to fill up the application form and submit the following documents to process and approve your application:

    • Identity documents.
    • Income documents.
    • Completed and signed Letter of Instruction.
    Nationality Singaporeans/Permanent Residents Foreigners
    Income documents For salaried employees:

    A copy of:

    • Latest Notice of Assessment with last month’s computerised payslip or last three months’ computerised payslip.
    • eCPF statement submitted online through the HSBC website. You will need a SingPass login.
    For commission-based earners and self-employed individuals:

    Last two years’ Notice of Assessment

    For self-employed or commission-based earners:

    Last two years' Notice of Assessment

    For Salaried Employees:

    Your latest Notice of Assessment with one month's computerised payslip

    or

    Last three months' computerised payslip

    Signed copy of letter of instruction Letter of Instruction for Credit Card
    Additional documents In case you have applied for a supplementary card, you will have to submit a copy of both sides of your supplementary applicant/s' National Registration Identity Card In case your chosen mailing address is not the same as your address on the National Registration Identity Card, you will have to submit a billing proof such as telecom bill with applicant's entire name and chosen mail address In case you have applied for a supplementary card, you will have to submit a copy of both sides of your supplementary applicant/s' National Registration Identity Card For all applications, you will have to submit a billing proof such as telecom bill with applicant's entire name and chosen mail address
    Identification documents A copy of both sides of your National Registration Identity Card A copy of your passport and a copy of both sides of your employment pass with at least six months’ validity at the time of application

    If you predict any alterations in circumstances that might affect your ability to pay the card bills you are applying for, you must get in touch with the officials of the bank as soon as possible. The unforeseen circumstances could include a job loss, a change in your income, etc.

    Frequently Asked Questions

    Q. Does HSBC offer a student credit card?

    A. No, HSBC does not offer a student credit card.

    Q. How many supplementary cards can I apply for?

    A. You can apply for as many supplementary cards as you want.

    Q. What is the interest rate charged on HSBC credit cards?

    A. An Effective Interest Rate (EIR) of 25.9% p.a. will be applicable on all HSBC credit cards.

    Q. Can I make cash withdrawals using an HSBC credit card?

    A. Yes. You can withdraw cash in Singapore at overseas in over 120 countries using your HSBC credit card. However, cash advance fees will be applicable on each withdrawal made.

    Q. What is the minimum monthly payment on an HSBC credit card?

    A. The minimum monthly payment is S$50 or 3% of the card’s outstanding balance, depending on whichever of the two is higher.

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