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 and Contactless Payments
S$1 = 1X Point
on All Other Spend
S$0
Annual Fee
Online Promo
New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$200 Cashback from HSBC, while Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply.
Valid until 30 Jun 2024 - See more details below

Are you eligible?

    • Applicants must submit their Card application by 30 June 2024
    • Applicants must provide their consent to receive marketing & promotional materials from HSBC at point of application
    • Spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month

What you need to know

  1. New Cardholders can get a Samsonite ZELTUS 69cm Spinner (worth S$680) or S$200 Cashback
  2. Existing Cardholders can get S$50 Cashback
T&Cs

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; food delivery; travel bookings; contactless payment methods, specifically Visa PayWave and Apple Pay

What people use it for

Everyday groceries paid via Visa PayWave or Apple Pay; dining; travel bookings; online shopping

Get if

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

All Details

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HSBC Revolution Card Review 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

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

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.

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.

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
  • Welcome gift of 40,000 bonus Citi ThankYouSM Points (with a minimum spend of $800 in the first 2 months)
  • 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

    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.