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    Compare HSBC's Credit Cards is Rated as "Excellent!" by 11 Users

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    Compare HSBC's Credit Cards

    Credit Card Application

    HSBC credit cards come with multiple features and benefits. With an HSBC card, you’ll qualify for benefits like welcome bonus, annual fee waiver, cashback, airport lounge access, cash rebate, rewards points, air miles, discounts, dining and travel-related privileges. In order to apply for an HSBC credit card, you need to be a Singapore citizen, Permanent Resident, or a foreigner.

    With an HSBC card, you’ll qualify for an interest-free instalment payment plan. With this plan, you can convert your transaction worth S$500 and above into 0% interest monthly instalments. You can choose to pay over a period of 6, 12, 18, or 24 months. Another option would be the HSBC's Card Balance Conversion Plan, you can convert your big-ticket purchases into smaller monthly instalments. Your instalment period options will be 3, 6, and 12 months.

    Features & Benefits:

    • Earn attractive air miles on some cards.
    • Receive attractive cashback on many cards.
    • No minimum spend criteria or a cap on earning rewards for some cards.
    • Earn cash rebate on local groceries, dining, some recurrent bills and petrol.
    • Option to choose your own welcome gift while applying for a few premier cards.
    • Receive welcome gifts like merchandise, reward points, cashback or discounts as joining bonus.
    • Annual fee waiver for HSBC Advance customers. Other customers enjoy annual fee waiver for a year or more.
    • Earn higher reward points on dining, online shopping, entertainment, or other expenditure with some cards.
    • Make use of the 0% instalment payment plan to spread your retail payments over tenors of 6, 12, 18, and 24 months.

    Most Popular HSBC Credit Cards and What They Offer

    Check out the interest rates, annual fees, and more for HSBC cards, in the table below:

    Card Name Annual Fee Interest Rate for Transactions (p.a.) Interest Rate for Cash Advance Best Suited for
    HSBC Advance Card S$192.60 25.9% p.a. 28% p.a. Cashback
    HSBC’s Revolution Card S$160.50 25.9% p.a. 28% p.a. Online purchases Dining Entertainment
    HSBC Visa Platinum Card S$192.60 25.9% p.a. 28% p.a. Recurring bills Fuel Groceries Dining
    HSBC Visa Infinite Card S$650 25.9% p.a. 28% p.a. Travel Entertainment Dining
    HSBC Premier Mastercard (Perpetually waived) 25.9% p.a. 28% p.a. Travel Recurring bills Fuel Groceries Dining

    Recomended Cards of HSBC

    HSBC Visa Infinite Credit Card
    HSBC Visa Infinite Credit Card

    Best Travel Card

    • Instant sign-up gift bonus that gives you 35,000 air miles (as 87,500 HSBC Rewards Points).
    • Access to over 700 VIP airport lounges across the world.
    • Complimentary travel insurance.
    HSBC Revolution Credit Card
    HSBC Revolution Credit Card

    Best Rewards Points Card

    • 5 rewards points per dollar on online spending, entertainment activities and dining.
    • 1 rewards point with every S$1 you spend on other retail transactions.
    • No minimum qualifying spend criteria.
    HSBC Advance Credit Card
    HSBC Advance Credit Card

    Best Cashback Card

    • Get up to 3.5% cashback on all your retail spends if you’re an Advance customer. Retail customers can earn a cashback of 2.5%.
    • Minimum spend criteria have to be met to earn higher cashback.
    • Perpetual annual fee waiver for Advance banking customers.
    HSBC Premier Mastercard Credit Card
    HSBC Premier Mastercard Credit Card

    Best Cash Rebates Card

    • Up to 6% cash rebate on petrol.
    • Up to 5% cash rebate on recurring bill payments and at grocery stores.
    • Up to 2% cash rebate on food and beverage outlets (excludes hotel dining).
    HSBC Visa Platinum Credit Card
    HSBC Visa Platinum Credit Card

    Best Grocery Card

    • Up to 5% rebate on grocery, recurring bills, and petrol transactions.
    • Up to 2% rebate on dining at all food and beverage outlets in Singapore (excludes hotel dining).
    • Earn 1 rewards point for every dollar you spend with your card.

    Promotion

    HSBC runs promotions yearlong on categories including dining, shopping, travel, entertainment and more, online and in-store purchases. Some of the popular merchants where you can benefit from such promotions include Lazada, Swensen’s, Shell, Zalora, Expedia and more. You can learn more about HSBC promotions here.

    HSBC Rewards Programmes

    The reward programmes available on HSBC cards are as follows:

    • You can earn rewards points on eligible cards and spends through the HSBC Rewards Programme. The points can be redeemed for vouchers and cash credits from the rewards catalogue.
    • HSBC’s Mileage Programme that allows you to earn air miles on transactions you make with your card and fly for less. KrisFlyer miles (can be redeemed on Singapore Airlines) and Asia miles (can be redeemed on Air Asia) programmes are two of the most popular reward travel programmes in Asia. You can redeem your reward points for air miles in blocks of 5,000 rewards points. 5,000 rewards points = 2,000 air miles. If you have the HSBC Visa Infinite Credit Card, you’ll be eligible for the programme.
    • HSBC-Shell Escape Programme allows you to convert your card balance into free petrol. This offer is valid at Shell petrol stations across Singapore. For every S$5 charged to your card, you’ll earn 1 Shell Escape point. For a minimum monthly spend of S$2,000 on your card including a spend of S$200 at Shell petrol pumps in Singapore, you can earn up to 500 Shell Escape points which roughly translates to S$16 worth of petrol at a Shell petrol station in Singapore. You can enrol for this programme by downloading a form online. All HSBC cardholders are eligible to participate in this programme.
    • HSBC Premier Mastercard Preferential Rewards programme ensures that you can redeem most of the rewards offered by the bank by using 10% less reward points as compared to other cards. You can check the rewards catalogue available on the dedicated bank page to learn more about the rewards.

    Complimentary Privileges

    The following are some of the most exciting complimentary privileges that you’ll get with your card:

    • Personal travel insurance policy for you and your family that offers a sum insured of US2 million for Visa Infinite cardholders, S$1 million with Premier Mastercard credit card and S$300,000 with Advance, Visa Platinum and Revolution cards in case of an accident. To get this privilege, simply charge your travel expenses like ticket bookings on your card.
    • If you’re a holder of Premier Mastercard, Advance Visa Platinum, Visa Platinum or Revolution credit cards, you’re covered up to a maximum of S$500,000 for any mishaps that might occur on a golf course anywhere in the world.
    • With your HSBC Visa Infinite Credit Card, you can enjoy the hospitality and convenience of a priority pass lounge. Immigration clearance will be made faster and easier for you whilst abroad. You’ll also get limousine transfers.
    • With your Premier Mastercard Credit Card, you can enjoy free Uber rides, access to airport lounges and free Wi-Fi.
    • Make reservations at elite restaurants, book your flight tickets at short notice, or order exotic flowers for your spouse through the HSBC Visa Infinite Concierge.

    HSBC Credit Card Hotline: You can call the 24-hour customer care hotline in case of any queries. To learn more about the exclusive hotlines available to special category of cards, please refer to HSBC Cards Hotlines,.

    To redeem the reward points earned on your card, you can call the 24-hour rewards redemption hotline. Simply key in your rewards codes and redeem the points.

    HSBC's Card Eligibility Requirements

    The following are the eligibility requirements you’ll have to meet to get approval for the following cards:

    Cards Name Minimum Income Residents (p.a.) Minimum Income Foreigners (p.a.) Minimum Age Other criteria
    HSBC Advance Card HSBC’s Revolution Card HSBC Visa Platinum Card S$30,000 p.a. S$40,000 p.a. 21 years FD collateral of S$10,000 is acceptable if min. income is not sufficient
    HSBC Visa Infinite Card S$120,000 p.a. S$120,000 p.a. 21 years FD collateral of S$30,000 is acceptable if min. income is not sufficient
    HSBC Premier Mastercard S$30,000 p.a. S$40,000 p.a. 21 years Must be a Premier Banking member

    Documents Required For HSBC Credit Cards

    Singaporeans and Permanent Residents

    • A letter of instruction which must be completely filled with signature.
    • A copy of NRIC (front & back).
    • Income proof documents for salaried employees:
      • A copy of eCPF statement.
      • Latest computerised salary slips for 3 months or latest Notice of Assessment along with last month’s computerised salary slip.
    • Income proof documents for self-employed or commission-based earning people:
      • Notice of Assessment for past 2 years.
    • For supplementary cards, a copy of NRIC (front & back).
    • A billing proof document such as Utility bill or Telecom bill, if your mailing address is not the same as your NRIC. This document must have your full name and your desired address.

    Foreigners

    • A letter of instruction which must be completely filled with signature.
    • Identification documents must be submitted:
      • A copy of passport.
      • A copy of Employment Pass (front & back).
    • Income proof documents for salaried employees:
      • Latest computerised salary slips for 3 months or latest Notice of Assessment along with last month’s computerised salary slip.
    • Income proof documents for self-employed or commission-based earning people:
      • Notice of Assessment for past 2 years.
    • For supplementary cards, a copy of NRIC (front & back).
    • A billing proof document such as Utility bill or Telecom bill. This document must have your full name and your desired address.

    Loan on HSBC Credit Cards

    With your card, you can not only make purchases but also borrow cash to meet your short-term cash needs. In addition to cash advance facility, the cards offer you the chance of borrowing money through the Cash Instalment Plan and Card Instalment Plan. You can also start a personal line of credit for more liquidity.

    UOB Credit Card

    Security Features

    To ensure that you enjoy seamless and safe services on your HSBC card, the bank has introduced many security features such as:

    • Activation of magnetic stripe for retail purchases made abroad. This has to be done every time you leave Singapore.
    • Each card will have contactless features that make transactions fast and completely secure.
    • An OTP will be sent to your registered mobile every time you make an online transaction to minimise chances of fraud.
    • You’ll receive SMS alerts after every successful card transaction. This is a default service and is available completely free of charge.

    HSBC Increase Credit Limit Review Request

    If you want to increase the credit limit on your card, you’ll simply have to download, fill and send back the Credit Limit Review Form available on the bank’s website. You’ll also have to append the following support documents:

    Salaried Employees

    • Computerised payslips for the last three months
    • Proof of CPF contribution for the last six months
    • Most recent notice of assessment and payslips

    Self-employed and commission-based employees need to provide notice of assessment for the last two years and foreigners working in Singapore will have to provide their employment pass with a minimum validity of six months.

    The form can be either uploaded directly to the bank’s website or mailed to the Robinson Road branch of the bank.


    Things to Know About HSBC Credit Cards

    How to Redeem Points

    Rewards Catalogue/HSBC Mileage Programme

    Redeem your rewards points in the following ways:

    • Exchange for cash credits.
    • Redeem for holiday vouchers from more than 600,000 travel options.
    • Exchange your points for miles if you are enrolled for the Frequent Flyer Programme.
    • Redeem for vouchers in categories including shopping, dining, wine, gifts, Caltex petrol, Shell fuel, car wash at Caltex, Starbucks, etc.

    This can be done through the HSBC Rewards Catalogue.

    How to Redeem Miles

    Internet Banking/Phone Banking

    You can redeem your miles at the rate of 5,000 Rewards points for a block of 2,000 miles. This programme includes Asia Miles and KrisFlyer miles. You must sign up for the HSBC Mileage Programme. Then, you can convert your rewards points to miles. This programme has an annual fee of S$40. The airline partners include Malaysia Airlines, Airberlin, Air Canada, Air China, Air India, Vistara, Singapore Airlines, etc. The redemption can be done either through internet banking or phone banking.

    How to Use the Internet Banking Login

    You can use HSBC’s Internet Banking Service to perform all kinds of online transactions, enquiries, etc. HSBC’s Internet Banking Portal enables you to enjoy low transaction rates and discounts on rewards points’ redemption. There are several activities that you can perform on your HSBC Internet Banking Portal such as:

    • Online enquiries.
    • Update personal details.
    • Read credit card information.
    • Redeem rewards points and miles.
    • Pay bills and view transaction details.
    • Browse the rewards catalogue for HSBC.
    • View account summary and available balance.
    • Activate or deactivate card for overseas usage.
    • Apply for a temporary increase in credit card limit.
    • View and download card statements for past 12 months.
    • Apply for other HSBC credit cards or supplementary credit cards.

    How to Check the Unbilled Transaction

    Online Banking Portal

    In order to check unbilled transaction details, you must login to your internet banking account. Under ‘Accounts – View list of accounts’, you must click on your card number. Here, you will be able to see the list of unbilled transactions for your card.

    How to Check the Reward Points Earned

    Mobile Banking/Hotline/Online Banking

    In order to check the rewards points that you have earned, do the following:

    • Use your mobile banking app.
    • Call HSBC’s 24-hour customer service hotline.
    • Check via Internet Banking. You can use the redeem button on the bottom page to view your points.

    How to Check the Points and Miles That Are About to Expire on HSBC Card

    Internet Banking/Mobile Banking

    You can check the Rewards points expiry information online using Internet Banking or Mobile Banking. Alternately, you can call HSBC’s 24-hour customer service hotline to get this information.

    How to Pay Taxes Using This Banks Credit Cards

    HSBC’s Tax Payment Programme allows you to pay your taxes. You must charge your tax amount to your HSBC credit card and consolidate your payments to a single account. There are two payment options to choose from – ‘one-time-payment’ and ‘monthly instalments’. Also earn rewards for paying taxes using your HSBC credit card. You will get 1 Rewards point for every S$1 charged to your card.

    Is There A Mobile App?

    There is an HSBC Mobile Banking App which you can download on your smartphone or tablet from Google Play or App store. This app enables you to manage all your finances from anywhere. The services include day-to-day banking, foreign currency transactions, bill payment, fast transfers, etc. HSBC Bank has customised the mobile app, especially for credit card customers. The features include:

    • Know the latest credit card promotions.
    • View card details and up-to-date transaction history.
    • Face ID or Touch ID login (only for supported Apple devices).

    How to Check Status of My Requests

    On HSBC website/Hotline

    You can check the status of your requests such as credit card application status, activation & cancellation of your card, etc. in the following ways:

    • Online, on HSBC’s website.
    • Call HSBC’s 24-hour customer service hotline.

    How to Convert Bill to Instalment Payment Plans

    With HSBC’s Card Instalment Plan, you can pay your large purchases in small instalments. The tenure ranges from 6, 12, 18 or 24 months, which are interest-free. In order to get this plan, you must charge your card with a minimum of S$500 at the HSBC’s participating merchants. A few of the participating merchants are listed below:

    • Active Notebooks
    • Action Salon
    • Beauty Empire Face & Nails
    • AT Reservation Network
    • Asian Lifeskills Centre
    • Aisin Asia

    The complete list is available on the HSBC website.

    Are There Referral Programmes?

    HSBC Bank provides the HSBC Premier International referral programme. If you refer your family or friends to this programme, you will be rewarded for every referral. If your referee has an increase in Total Relationship Balance of S$200,000 for a minimum of 90 consecutive days, you will receive 2 days and 1-night deluxe room stay at selected hotels of Shangri-la Hotels & Resorts.

    About HSBC Bank

    HSBC is one of the first banks to be set up in Singapore, way back in 1877. It remains one of the largest players in retail banking and wealth management sectors around the world. The parent bank of HSBC Singapore has a presence across 67 countries and territories around the world. HSBC is known for its strong retail network globally. Its network of self-service terminals and Premier Centres are strategically present around the world to offer convenient banking solutions to its customers.It’s a qualifying full bank with presence in retail banking, commercial banking, wealth management, investment banking, insurance, capital and security markets among others. Let us take a look at the credit cards offered by the bank.

    HSBC Credit Card Reviews

    • HSBC Credit Card
      "one of the few cards that gives points for insurance"
      0.5 4.0/5 "Great!"
      I was using a cashback card that gave me 1.5% cashback on my insurance premium until i discovered the HSBC Revolution card. 2 miles/dollar is definitely a better reward than 1.5% cashback!
      Was this review helpful? 17
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "great card for earning rewards"
      0.5 4.0/5 "Great!"
      this is a great all-in-one card. I don't like carrying too many credit cards in my wallet but i still want to get decent rewards. The HSBC revolution card does just that cause its accelerated points for dining, online and entertainment covers quite a lot of bases.
      Was this review helpful? 12
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "Online transactions earn me 5x Rewards"
      0.5 5.0/5 "Blown Away!"
      I like the HSBC revolution card. It fits my lifestyle and gives me 2 miles on the categories that are most relevant to me. There are other cards out there that offer better 'mileage' for these categories, but i dont think there's any that offers this combination.
      Was this review helpful? 10
      , singapore
      Reviewed on Oct 17, 2017
    • HSBC Credit Card
      "Recurring telco bills, grocery and fuel cashback is good. "
      0.5 4.0/5 "Great!"
      I use my HSBC card mainly for petrol, buying groceries, and mobile bills to hit the $800 requirement every month. I've been getting $120 back every quarter, so that's pretty good.
      Was this review helpful? 8
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "not useful"
      0.5 2.5/5 "Just OK"
      Low cashback rate that is hard to even get. The only good thing about this card is the 5% cashback on telco bills. But my phone and internet bills are only $70 a month.
      Was this review helpful? 5
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "the best card for recurring telco bills"
      0.5 5.0/5 "Blown Away!"
      There's no competition when it comes to cashback on recurring telco bills. With the HSBC Visa Platinum card, I get 5% off every month just by spending $400 every month. It works out for me because since my combined starhub bill is already more than $400.
      Was this review helpful? 8
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "quarterly cashback mechanic is not good"
      0.5 2.0/5 "Expected more"
      The quarterly spend requirement is ridiculous. I missed my cashback so many times just because 1 out of 3 months I didn't spend as much. Other cards are easier to use, and even give more cashback.
      Was this review helpful? 8
      , singapore
      Reviewed on Oct 16, 2017
    • HSBC Credit Card
      "saving on my insurance premiums every month"
      0.5 4.5/5 "Excellent!"
      I've got a family of 5 and monthly insurance premiums eat into my savings quite a bit. I'm glad that the HSBC Advance card allows me to earn $35 cashback on insurance premiums every month. I made sure to become an Advance Banking customer to get an additional 1% cashback.
      Was this review helpful? 7
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "not enough ancillary benefits"
      0.5 3.5/5 "Pretty good"
      I got the HSBC Advance card when they had a nice sign-up promotion, but aside from using it on my insurance premiums, I don't think it's a very useful card. There aren't many other perks a HSBC card gives, unlike other bank cards.
      Was this review helpful? 6
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "gorgeous card"
      0.5 5.0/5 "Blown Away!"
      I love the new HSBC card designs, especially the red lion head of the HSBC Advance card.
      Was this review helpful? 6
      , singapore
      Reviewed on Oct 10, 2017
    • HSBC Credit Card
      "better than the other cashback cards of this nature"
      0.5 5.0/5 "Blown Away!"
      Although the HSBC Advance card has a cashback cap, unlike the Amex or Stan Chart versions, I find that I can still comfortably spend within the limit and occasionally even get 2.5% cashback. I'll use a different cashback card for things like groceries or dining, and use the Advance card for purchases that usually don't earn cashback on other cards.
      Was this review helpful? 6
      , singapore
      Reviewed on Oct 10, 2017
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