Updated November 2018
Looking for the best HSBC credit card in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.
Up to 3.5%
Cash Back on All Spend
S$125
Cash Back Cap per month
S$0
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
S$1= 5X Points
on Online, Dining and Entertainment
S$1= 1X Point
on All Other Spend
1 Point = 0.4 Miles
Rewards to Miles Conversion for Selected Airline Partners
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $150 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
S$1 = Up to 1.25 Miles
Local Spend
S$1 = Up to 2.25 Miles
Overseas Spend
35,000 Miles
Welcome Gift
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $650 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $120,000 |
|---|---|
| Foreigner | $120,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
5%
Cash Back on Dining, Groceries, Petrol
S$250
Cash Back Cap per quarter
S$600
Min. Spend per month, per quarter
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
HSBC rewards programme offers a generous range of rewards to suit all tastes. If you have the HSBC Premier MasterCard you enjoy preferential rate on rewards redemption.
When you use your card for an eligible transaction, you automatically receive points, which you can then use to redeem rewards. When you have accumulated enough points to make a redemption, you can browse the HSBC rewards catalog to see what you qualify for. If you own the HSBC Premier Card, you enjoy preferential rewards. For instance, other HSBC credit card holders need 10,500 points to redeem the S$50 HSBC’s Jewellery Voucher (valid at Joyalukkas and Lee Hwa Jewellery) but if you have the HSBC Premier MasterCard, you only need 9,450.
The rewards catalog offers a wide range of rewards that include vouchers, frequent flyer miles, products, movie passes, and travel packages. Some highlights include $30 wine vouchers that can be redeemed at 75CL.SG or The Straits Wine Company, $50 Dynasty Travel vouchers, Golden Village movie passes and a 70cl bottle of Roku Gin. You can also swap your points for cash donations to selected charities.
To make a redemption on the rewards you have accumulated by making purchases on your HSBC credit cards, you can use the internet banking account or use phone banking. Or, you can fill up the redemption form and send to the bank via fax or post. Redemption typically requires 3 weeks.
HSBC cardmembers enjoy many dining, travel, shopping and entertainment promotions. Current promotions include 20% off storewide at Lazada capped at $10, $10 off Deliveroo when you spend at least $40 and 15% off at Zalora.
The Entertainer subscribers also get to unlock exclusive Entertainer with HSBC deals that include 1-for-1 main courses at Fat Cow, Jamie’s Italian Singapore and Kith Cafe.
Currently, there is an ongoing promotion where you can get a Samsonite Astra 55cm luggage or $100 cash back when you apply by 31 December 2018 and spend a minimum of $600 within the first month. There is an additional gift of $50 worth of Grab rides when you apply online by 31 October 2018.
Check out our blog for more personal finance tips and insights.
The HSBC Weekdays Movie Card gets you 10 Golden Village weekday movie tickets for $70, while their All-Days Movie Card gets you 10 Golden Village movie tickets on any day of the year for $95. Both cards also entitle you to $1 off the Combo of the Week. To qualify for the HSBC Movie Card, you must be an HSBC credit or debit cardholder. You can purchase the HSBC Movie Card at any Gold Village box office or online at gv.com.sg.
The HSBC credit card hotline is 1800 4722 669. You can check your account balance, report loss of credit cards and reach a customer service officer through the hotline. To reach HSBC Personal Banking, you can call +65 6472 2669.
You may scroll up to compare HSBC credit cards and apply for one via MoneySmart. You must be at least 21 years of age with a minimum yearly income of $30,000 for Singaporeans and permanent residents (PR). Before applying, get ready your income documents (eCPF) and a photocopy of the front and back of your NRIC.
Checking your HSBC credit card is easy with the mobile banking app. Access the app by keying in your username and password. Click on “Balances”. From the list of accounts and credit cards displayed, select the one that you want to view. At the same time, you can also see the latest credit card transactions, the payment due date for your credit card bill and statement balance.
In order to see the progress of your HSBC credit card application, you can use the special Credit Card Application Tracker on HSBC’s website. Simply key in your date of birth and NRIC number and you will be able to easily check the application status of your HSBC credit card.
If you prefer a cashback card, you might want to go for the HSBC Advance Card, as you can earn up to 3.5% on all transactions as an advance banking customer. If you prefer reward points, go for the HSBC Revolution card, which gives you 5x points on entertainment, dining and online purchases and 1 point per dollar for all other purchases. The HSBC Visa Infinite Credit Card is the best HSBC air mile card as it offers 1.25 air miles for every $1 spent locally and 2.24 air miles for every $1 spent overseas.
