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  • Find The Best HSBC Credit Card is Rated as "Excellent!" by 13 Users

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    Find The Best HSBC Credit Card

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    HSBC offers 5 credit cards in Singapore, which are suitable for both local and overseas spends. With an HSBC card, you’ll get to enjoy several benefits in the form of rewards points, welcome gifts, air miles, cash rebates and cashback, airport lounge access, and various other discounts and offers. You can apply for one right here on BankBazaar.

    HSBC Advance Card: Best to Earn Cashback

    • Earn back of up to 3.5% on all transactions if you are an Advance Banking customer.
    • Earn up to 2.5% if you don’t have an Advance Banking relationship with the bank.
    • You don’t have to pay any annual fee if you’re an Advance Banking customer.

    If you’re an HSBC Advance banking customer, you’ll earn a cashback of 3.5% when you spend above S$2,000 per month and a cashback of 2.5% when you spend S$2,000 or lower per month. In case you’re not an Advance Banking customer, you’ll earn 1.5% cashback when you spend S$2,000 and below in a month, and a 2.5% cashback when you spend above S$2,000 in a month. The cashback caps are S$70 and S$125 for non-Advance Banking and Advance Banking customers, respectively.

    If you’re a new applicant, you’ll get to choose your welcome gift. You can either opt for a cashback of S$100 or get a Samsonite Astra 55cm Luggage (costs S$350). If you’re an existing cardholder, you’ll earn S$50 cashback. Both these offers are for applications submitted by 31 August 2018 and approved by 30 September 2018. You’ll also need to spend S$600 on the card within a month of getting the card approved.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    HSBC’s Revolution Card: Best to Earn Rewards Points

    • Earn 5x Rewards points on entertainment, dining, and online purchases (equal to 2 miles per dollar spent).
    • Get 1 point per dollar for all other purchases.
    • The annual fee will be waived for the first 2 years.

    This card will let you earn 5 Rewards points per S$1 spent on online transactions, and dining and entertainment spends made in Singapore. Apart from shopping, online spends also include insurance premium payments, food orders, and ticket bookings for travel, hotel, concerts, movies, and other similar purchases. With any other retail transactions, you will earn 1 Rewards point. You can redeem your points for anything ranging from dining and travel vouchers to air miles. You can also get up to 16% discount on fuel purchases at Shell and Caltex stations.

    Receive cashback by referring your family members or friends to get an HSBC credit card. This offer will expire on 30 November 2018. With each successful referral, you’ll receive a cashback of S$30. The maximum cashback you can earn via referrals is capped at S$90. The joining perk of Samsonite luggage/S$100 and S$50 cashback also applies to this card.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$160.50 p.a. 25.9% p.a. 28% p.a.

    HSBC Visa Platinum Card: Best Suited for Daily Spends

    • Earn rebates of up to 5% on your daily spends.
    • With every single dollar spent, you will also get 1x Rewards point.
    • Get annual fee waiver for the initial 2 years.

    With this card, you’ll get a cash rebate of 5% on recurring cable TV, mobile, and internet bills. On your fuel and grocery spends, you’ll get a cash rebate of 5% if you spend S$800 in all 3 months of a quarter, and 3% if you spend at least S$400 but less than S$800. On your dining bills, you’ll get 2% cash rebate on spending S$800 and 1% on spending between S$400 and S$800. Here, dining includes all kinds of food & beverage outlet in Singapore (excluding eateries inside hotels). However, if you spend less than S$400, you won’t earn any cash rebate.

    In addition to cash rebate, you will also get 1 Rewards point for every dollar you spend using your HSBC Visa Platinum Card. When you this card at a Caltex or a Shell fuel station, you will get an instant discount of 16% and 14% respectively as well. The welcome gift of luggage or S$100/S$50 cashback also applies to this card.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 25.9% p.a. 28% p.a.

    HSBC Visa Infinite Card: Best Suited for Travel

    • Limitless access to more than 1,000 VIP airport lounges across the world.
    • Expedited immigration clearance and free trips to the airport in a limousine.
    • Travel insurance coverage (complimentary) of up to US$2 million.

    With this premium card, you can earn up to 2.25 air miles for every dollar you spend. Air miles will be credited to you as HSBC Rewards Points. In order to convert your Rewards Points into air miles, you need to enrol into the HSBC's Mileage Programme. The regular earn rate is 1 air mile per S$1 local spend, and 2 air miles per S$1 overseas spend. The step-up earn rate is 1.25 air miles per S$1 local spend, and 2.25 air miles per S$1 overseas spend. The step-up rate applies when you spend S$50,000 or more in the previous year.

    Enjoy the privilege of accessing more than 1,000 VIP airport lounges across the globe without any limitation on entries. Also enjoy special rates on the Visa Luxury Hotel Collection. There are also several dining perks, golfing benefits, and concierge service on this card. Additionally, upon card approval you’ll get 35,000 air miles that are redeemable with 40+ airlines.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$650 25.9% p.a. 28% p.a.

    HSBC Premier Mastercard: Best Rebate Card to Enjoy Travel Perks

    • You’ll earn a cash rebate of up to 6% on your daily expenses.
    • Every dollar you spend will earn you 1 Rewards point.
    • Enjoy free travel insurance cover of up to S$1 million.

    When you spend at least S$400 per month for all 3 months of a calendar quarter, you’ll get 5%, 3%, and 1% cash rebate on recurring bills, grocery, and dining spends respectively. On fuel spends you’ll earn 3% rebate, and if you buy from Shell and Caltex, you’ll also get an instant discount of up to 16%. When you spend at least S$800 per month for all 3 months of a quarter, you’ll earn 5% cash rebate on recurring bill payments and grocery bills, and 2% on dining spends. On fuel spends, you’ll get 6% rebate, in addition to a maximum of 16% savings at Caltex and Shell.

    When you apply for this card, you’ll also qualify to choose a welcome gift between a cashback of S$150 and 10,000 air miles (will be given as 25,000 HSBC Rewards points). Travel perks on this card include hotel and airline booking discounts, airport lounge access, travel insurance of up to S$1 million, and discounted rates on Boingo Wi-Fi usage.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    Permanently waived 25.9% p.a. 28% p.a.

    Compare HSBC Cashback Cards

    HSBC offers 3 credit cards that qualifies you to either earn cashback or a cash rebate. Here is a quick snapshot:

    HSBC Advance Card HSBC Visa Platinum Card HSBC Premier MasterCard
    Specific Recurring Bills Up to 3.5% Up to 5% Up to 5%
    Fuel Spends Up to 3.5% Up to 5% Up to 6%
    Grocery Shopping Up to 3.5% Up to 5% Up to 5%
    Other Spends Up to 3.5% NA NA
    Accrual of Rewards points NA S$1 = 1 Rewards point S$1 = 1 Rewards point
    Cashback on Dining Up to 3.5% Up to 2% Up to 2%
    Sign-up offer*

    A Samsonite Astra 55cm Luggage or a cashback of S$100

    For HSBC online applications, an extra Samsonite RED Bockiee Backpack

    A Samsonite Astra 55cm Luggage or S$150 cashback

    For HSBC online applications, an extra Samsonite RED Bockiee Backpack

    10,000 air miles or a cashback of S$150
    Golfing privileges No No Yes
    Global dining privileges No No Yes
    Travel privileges No No Yes
    Other Promotional offers Yes Yes Yes

    *Sign-up offers are subject to terms and conditions. Please check with the bank before applying for one.

    Compare HSBC Rewards Cards

    HSBC offers only one rewards credit card. All rewards points earned are on every S$1 spent. Take a look at the benefits in the table below:

    HSBC's Revolution Credit Card
    Online Transactions 5
    Dining 5
    Entertainment Purchases 5
    Other Transactions 1
    Welcome Bonus
    • S$100 cashback or a Samsonite Astra 55cm Luggage
    • Online applicants get an extra Samsonite RED Bockiee Backpack
    Validity of Rewards points 3 years
    Supplementary card Free for life

    Compare HSBC Miles Cards

    HSBC offers one exclusive card that is that is specially meant for travellers. Here is the summary of benefits:

    HSBC Visa Infinite Credit Card
    Local Up to 1.25
    Overseas Up to 2.25
    Airport lounge access Yes
    Complimentary limousine transfer Yes
    Expedited immigration clearance Yes
    Complimentary travel insurance Yes (Up to US$2,000,000)
    Welcome gift on card approval 35,000 air miles
    Luxury Hotel privileges Yes
    Concierge service Yes
    Golfing privileges Yes
    Lifestyle privileges 10X HSBC Rewards points at participating merchants
    Spa benefits Yes
    Dining benefits Yes

    *Welcome gift is subject to terms and conditions. Please check with the bank before applying for one.

    Why HSBC Credit Cards: Features & Benefits

    • Low late payment fee at S$55.
    • Make use of the 0% instalment payment plan to spread your retail payments over tenors of 6, 12, 18, and 24 months.
    • 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 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.

    Eligibility Requirement for HSBC Cards

    The following are the eligibility parameters 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, Revolution Card, and 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
    HSBC Credit Card

    Documents Required

    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.

    HSBC Card Promotions

    HSBC runs promotions yearlong on categories such as dining, shopping, travel, and entertainment. You can learn more about HSBC promotions on our dedicated page.

    Find More

    HSBC Card Rewards Programmes

    HSBC rewards your credit card usage with cashback, cash rebates, air miles and rewards points. Learn everything about earning and redeeming the rewards on our page.

    Find More

    HSBC Credit Card Hotline

    Call the bank’s 24-hour customer care service in case of any queries. Learn more about the exclusive numbers for credit cards on our page on HSBC Card Hotlines.

    Find More

    HSBC Credit Card Reviews

    • HSBC Credit Card
      "Apt card for cash rebate"
      0.5 5.0/5 "Blown Away!"
      The best part of this card is the 5% cash rebate on my recurring telco bills which is the best in the market
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 13, 2018
    • HSBC Credit Card
      "Best card for rewards"
      0.5 5.0/5 "Blown Away!"
      Very useful card to earn reward points especially when it comes to online spends
      Was this review helpful? 3
      , singapore
      Reviewed on Sep 13, 2018
    • 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? 23
      , 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? 19
      , 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? 14
      , 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? 10
      , 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? 8
      , 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? 10
      , 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? 10
      , 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? 10
      , 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? 9
      , 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? 11
      , 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? 11
      , singapore
      Reviewed on Oct 10, 2017
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