S$1 = 10X Points

on Online Spend on Travel, Shopping & Dining

S$1 = 1X Point

on All Other Spend

Earn 4 Miles

for every 10 Points

All Details

• Key Features

  • From 1 July to 31 October 2025, earn up to 10X Reward points on online and contactless spending (equivalent to up to 4 miles or 2.5% cashback for every dollar you spend)

  • 1X Reward point for all other types of spending.

  • No min. spend required.

  • No annual fee

  • Receive complimentary access to ENTERTAINER with HSBC app to enjoy 1-for-1 dining deals and more.

  • For a limited time from 1 July to 31 October 2025, earn a higher monthly cap of 13,500 Bonus Points. Other terms and conditions apply.

  • Discover a world of possibilities with your Reward points. Redeem from a wide selection of over 20,000 rewards, from flights and hotel stays to the latest gadgets, gift cards and more! Enjoy free, instant conversion of airline miles and hotels points at 20 transfer partners.

Rewards

Excellent

• 10X Points or 4 Miles: From 1 July to 31 October 2025, earn up to 10X Reward points on online and contactless spending (equivalent to up to 4 miles or 2.5% cashback for every dollar you spend)

• 1× Reward point per dollar spent on other purchases

• For a limited time from 1 July to 31 October 2025, earn a higher monthly cap of 13,500 Bonus Points

• Eligible travel-related transactions include airlines, car rentals, hotels and cruises

• Eligible departmental and retail stores transactions include computer and network services, electronic, and camera stores, florists, marketplaces, department stores, duty-free, clothing, shoes, jewellery, leather and accessories stores, book, music and record stores, drug stores and pharmacies

• Eligible dining transactions include candy, nuts, confectionery stores, bakeries, caterers, eating places and restaurants, bars, drinking places, nightclubs

• Eligible transport transactions include taxicabs and limousines such as Grab and Gojek rides

• Eligible memberships transactions include athletic recreational and golf, and country clubs

• Discover a world of possibilities with your Reward points. Redeem from a wide selection of over 20,000 rewards, from flights and hotel stays to the latest gadgets, gift cards and more! Enjoy free, instant conversion of airline miles and hotels points at 20 transfer partners.

• HSBC Rewards terms and conditions: General exclusions such as payments via EZ-Link, YouTrip, AXS, tax, utilities, cash advances, payments to financial, governmental, insurance, educational institutions do not qualify for cash back

• HSBC Rewards points earned expire in 37 months’ time, aka 3 years and 1 month

Air Miles

Excellent

• From 1 July to 31 October 2025, earn up to 10X Reward points on online and contactless spending (equivalent to up to 4 miles or 2.5% cashback for every dollar you spend)

• 1× Reward point per dollar spent on other purchases

• Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details

• Singapore Airlines Krisflyer: Convert 30,000 HSBC Rewards points to 10,000 Singapore Airlines Krisflyer miles online via HSBC Singapore mobile app

• Cathay Pacific Asia Miles: Convert 25,000 HSBC rewards points to 10,000 Cathay Pacific Asia Miles online via HSBC Singapore mobile app

Petrol

Very Good

• Get instant discounts of up to 16% off petrol at Caltex stations or 14% off at Shell stations.

Cash Back

Very Good

• From 1 July to 31 October 2025, earn up to 10X Reward points on online and contactless spending (equivalent to up to 4 miles or 2.5% cashback for every dollar you spend)

Dining

Very Good

• 10X Points or 4 Miles: From 1 July to 31 October 2025, earn up to 10X Reward points on online and contactless spending (equivalent to up to 4 miles or 2.5% cashback for every dollar you spend)

• Eligible dining transactions include candy, nuts, confectionery stores, bakeries, caterers, eating places and restaurants, bars, drinking places, nightclubs

Annual Interest Rate and Fees

Annual Principal Fee	S$0
Supplementary Annual Fee	S$0
Interest Free Period	20 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100 if the minimum payment is not received on or before the Payment Due Date
Minimum Monthly Repayment	3% or S$50, whichever is greater
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or $15, whichever is greater
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name & Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

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Visa Contactless
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