Earn up to 4 miles per S$1 | Instant Activation*
HSBC Revolution Card is a rewards credit card that allows you to earn 10X Points on dining, travel, online, and contactless Visa PayWave and Apple Pay purchases. Benefits include no annual fees, attractive online rewards redemption catalogue, travel insurance, and more. It’s one of the best air miles, groceries, dining, and online shopping credit cards in Singapore.
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
MoneySmart Exclusive

Get S$199 Cash via PayNow or 3,500 SmartPoints  when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
 
PLUS: Stand to win 50,000 SmartPoints in Rollin’ Rewards!
Enrol in our Rollin’ Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints! That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).

Valid until 15 Dec 2024 - See more details below

Are you eligible?

    • Promotion is valid from 01-December-2024 to 15-December-2024

    • MoneySmart Exclusive gift is applicable for New-to-HSBC cardholders only

    • Customers need to apply through MoneySmart to be eligible

    • For HSBC TravelOne Card the first-year annual fee of S$196.20 (incl. GST) must be paid to be eligible for the promotion.

    • Applicants need to provide HSBC their consent to receive marketing and promotional materials from HSBC at the time of submitting their application

    • Spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following calendar month.

    • Log into your MoneySmart account and submit your claim by 15th January 2025

What you need to know

  1. Use 3,500 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want! 

  2. With 3,500 SmartPoints* earned, you can redeem:
    - Apple iPad (9th Gen) | Top up $160 more only
    - S$250 GrabGifts Vouchers | Redeem in full
    - Apple AirPods (4th Gen) with Active Noise Cancellation | Redeem in full
    - Hinomi Q1 Ergonomic Chair | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  3. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  4. Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 December 2024). 

  5. Get S$150 worth of GrabGifts vouchers in HSBC’s Christmas Spend & Get Promotion 2024. Valid till 31 Dec 2024. T&Cs apply.

  6. [Rollin’ Rewards] Enrol in our Rollin’ Rewards campaign by completing a simple 3-min questionnaire.

  7. [Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.

  8. [Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this HSBC Credit Card, submit the claim form, and have it successfully approved. 

  9. [Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.

  10. MoneySmart exclusive rewards do not stack with external or third party promotions unless otherwise stated. See T&Cs for details.

  11. *Instantly Activate Your Virtual Card for Google Pay and Apple Pay Shopping! T&Cs apply.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Using this card for any big purchases for bonus 10X Points

Good for

Young adults; homeowners; individuals who prefer a fuss-free, no annual fee, no spend limit credit card with straightforward bonus points categories

Categories to maximise this card

Online Spend on Dining, Shopping & selected Travel purchases

What people use it for

Paying for dining, booking your travels and shopping

Get if

You consistently spend around S$1,000 per month on food and online shopping and enjoy tracking and redeeming rewards points

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

HSBC Revolution Card Benefits 2024

HSBC ranks among the world's most extensive banking and financial service enterprises, serving about 39 million clients worldwide, and providing a wide range of services including Wealth and Personal Banking, Commercial Banking, and Global Banking & Markets.

When it comes to lifestyle rewards credit cards, HSBC offers an attractive selection ranging from premium cards like the HSBC Visa Infinite Credit Card, to low-hassle and great-for-everyday expenditure cards like the HSBC Revolution Card.

The HSBC Revolution Card has been around for close to a decade and is one of HSBC’s most well-known rewards points credit cards, designed for those who enjoy dining, shopping, and entertainment. Let’s find out in this review if this card is suitable for you.

Pros & Cons Of HSBC Revolution Credit Card

Pros

  • 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments
  • 1X reward point for every $1 spent on all other categories
  • Up to 21.15% fuel savings at Caltex and Shell
  • Interest rate of 26.90%, which is lower than many similar rewards credit cards (as per MoneySmart’s Credit Cards comparison tool)
  • No annual fee charges
  • Flexibility to convert reward points to cashback benefits or air miles
  • Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • No annual fee charges
  • Complimentary travel insurance
  • No minimum spend required

Cons

  • Cap of 10,000 rewards points per calendar month on eligible purchases
  • HSBC reward points awarded are valid for 3 years and 1 month from the date of opening of the credit card account, which is a shorter expiry period as compared to other cards like Citi Rewards Card
  • Cash advance transaction fee
  • Foreign currency transaction fee
  • Overlimit fee

HSBC Revolution Card Interest Rates & Fees

One of the best things about the HSBC Revolution Card is the no annual fee charge, although it still charges other fees such as cash advance transaction fee, minimum monthly payment, late payment fee, foreign currency transaction fee, and overlimit fee, just like all the other credit cards.

Read our HSBC Revolution Credit Card Review

The HSBC Revolution Card is a no-frills credit card that lets you earn HSBC rewards points for online and contactless transactions.

Compare HSBC Revolution Card vs. Citi Rewards Card vs. SCB Rewards+ Credit Card

Currently, the HSBC Revolution Card offers the lowest interest rate as compared to the Citi Rewards Card and Standard Chartered Rewards+ Credit Card and in terms of annual fee, you wouldn’t have to worry about paying the annual fees or remembering to waive the annual fees every year with the HSBC Revolution Card.

Moreover, it has one of the more attractive “10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent” rewards mechanics as it is applicable to all online or via contactless payments, unlike Citi Rewards Card’s “10X rewards points for every S$1 spent” mechanics which excludes expenditure that are travel-related or via mobile wallets, and SCB Rewards+ Card which limits its “10X rewards points for every S$1 spent” to only foreign currency transactions.

If you’re a car owner who drives often, you’ll also benefit from generous discounts which are up to 21.15% fuel savings at Caltex and Shell. Considering all these factors, the HSBC Revolution Card seems to be the best option for everyday spending (especially for online shopping), and those who own cars.

HSBC Revolution Card

Interest rate: 26.90%

Annual fee:None

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

  • Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments
  • 1X reward point for every $1 spent on all other categories
  • Up to 21.15% fuel savings at Caltex and Shell
  • Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • Cap of 10,000 rewards points per calendar month on eligible purchases
  • HSBC Reward points awarded are valid for 3 years and 1 month from the date of opening of the credit card account
  • No minimum spend requirement
  • Citi Rewards Card

    Interest rate: 26.90%

    Annual fee:$196.20 (incl. 9% GST, waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

  • Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles) for every S$1 spent on shopping, online purchases including food delivery and groceries via Grab, and transport via Gojek (excludes travel-related and mobile wallet transactions)
  • 1X reward point for every $1 spent on all other categories
  • Flexibility to earn and accumulate Citi Miles, Citi ThankYou PointsSM or get cashback benefits for payment of your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
  • Up to 14% fuel savings at Esso and Shell
  • 10X Rewards capped at 10,000 Points per statement month and expires every 5 years
  • SCB Rewards+ Credit Card

    Interest rate: 27.90%

    Annual fee:$196.20 (incl. 9% GST, first year waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners

  • Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles) for every S$1 spent in foreign currency
  • 5X rewards points for every S$1 spent locally
  • 1X reward point for every $1 spent on all other categories
  • First-year annual fee waiver option available upon sign up
  • Discounts and privileges at over 3,000 outlets from dining offers to shopping, travel and lifestyle benefits
  • Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment via SC EasyBill
  • 360° Rewards Point capped at 20,000 points per year
  • 360° Rewards Points awarded are valid for 3 years from the date of opening of the credit card account
  • No minimum spend requirement
  • HSBC Revolution Card Application

    Here are 3 simple steps to apply for the HSBC Revolution Card

    Step 1

    Apply via MoneySmart’s credit cards page

    You may begin your application by clicking on our HSBC Revolution Card application link. When you choose to apply online or through the HSBC Singapore app and via SingPass MyInfo, HSBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

    Step 2

    Provide all documentation required

    You’ll need to provide all the necessary documentation in order for HSBC to approve your credit card application. This list of documents include:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)
  • Step 3

    Receive your HSBC Revolution Card

    You’ll be able to activate your HSBC Revolution Card instantly through the HSBC Singapore app, and enter your 6-digit Unlock Code after the verification process, to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback benefits with your HSBC Singapore app!

    Frequently Asked Questions About HSBC Revolution Credit Card

    Are there any fees if I apply for the HSBC Revolution Card?

    No. The HSBC Revolution Card does not charge any annual fees, but does charge other fees including cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee, whenever necessary.

    Am I eligible for the HSBC Revolution Card?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the HSBC Revolution Card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).

    If I’m late for my monthly HSBC Revolution Card bill payment, how much do I have to pay?

    Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by HSBC at the point of your late payment.