Why Trust MoneySmart?In Singapore, the HSBC Revolution Credit Card is the only HSBC credit card offering a true “no annual fee for life” policy.
This permanent waiver applies to both principal and supplementary cards, not as a short-term promotion but as an ongoing feature designed to give users lasting rewards value without worrying about annual charges.
HSBC Revolution Credit Card (No Annual Fee)
The HSBC Revolution Credit Card is a lifetime no-annual-fee rewards card, making it unique among HSBC’s offerings for both main and supplementary cardholders—no minimum spending required.
Best For: Online shoppers, digital-first users, and those who pay with contactless methods like Apple Pay and Google Pay
Key Rewards: Earn up to 10X Reward Points per S$1 on eligible online and contactless payments—roughly equal to 4 miles or about 2.5% cashback
Permanent Updates:
From 1 April 2026, the 4 miles per dollar earn rate becomes a permanent feature
The card is issued as a Visa Signature
Complimentary travel insurance is included again for eligible spenders
Other HSBC Cards (with fee waiver conditions)
Most other HSBC credit cards in Singapore have an annual fee (around S$196.20 with GST) that may be waived if you meet specific requirements. Here’s how they compare:
HSBC Visa Platinum
Automatic waiver for the first 2 years
Subsequent years: Fee waived with annual spend of at least S$12,500
HSBC Live+ Card
First-year fee waived automatically
Following years: Waived with minimum S$12,500 annual spend
HSBC TravelOne Card
First-year fee waived
Later: Waiver requires at least S$25,000 spend per membership year
HSBC Premier Mastercard
Annual fee (introduced in 2025) is waived for customers with Premier status who maintain a Total Relationship Balance of at least S$200,000
If you don’t meet the spending or relationship balance needed for an automatic waiver, you can still request an annual fee waiver through HSBC’s hotline.
