All Details

• Key Features

  • No annual credit card fees

  • Get 10X Rewards Points, equivalent to 4 air miles per dollar spent

  • Redeem your rewards points for home, dining, retail, travel, or charity cash vouchers online or offset cash rebates on transactions online via rewards catalogue or the HSBC mobile app

  • Travel Insurance: Enjoy up to S$300,000 coverage when you charge travel expenses to card

Rewards

Excellent

• Base earn rate: 1 reward point per S$1 spent. No rewards cap

• 10X Points or 4 Miles bonus: On top of the base 1 reward point, get 9 extra reward points on every S$1 spent on Visa PayWave and Apple Pay contactless payment methods, online spending, food deliveries, and travel bookings

• Bonus rewards points earned capped at 9,000 reward points per calendar month, equivalent to around S$1,000 spend per month

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

• 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 groceries and dining transactions include grocery stores, supermarkets, candy, nuts, confectionery stores, bakeries, caterers, eating places and restaurants, bars, drinking places, nightclubs, fast food restaurants, and food delivery platforms such as GrabFood, FoodPanda, and Deliveroo

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

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

• Redeem your rewards points for home, dining, retail, travel, or charity cash vouchers online or offset cash rebates on transactions online via rewards catalogue or offset transactions via HSBC mobile app

• 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

Online Shopping

Excellent

• Download Entertainer with HSBC app for worldwide dining and hotel 1 for 1 deals and discounts

Air Miles

Excellent

• 4 Air miles per S$1 spend on 10X bonus points categories, i.e. Visa PayWave and Apple Pay contactless payment methods, online spending, food deliveries, and travel bookings

• Convert your HSBC rewards points to air miles by signing up for the HSBC Mileage Programme. Subject to S$42.80 annual programme fee and 3 weeks transfer processing time

• Singapore Airlines Krisflyer: Convert 25,000 HSBC rewards points to 10,000 SQ Krisflyer miles online via the HSBC Rewards redemption catalogue

• Cathay Pacific Asia Miles: Convert 25,000 HSBC rewards points to 10,000 Cathay Pacific Asia Miles online via the HSBC Rewards redemption catalogue

Petrol

Very Good

• 16% instant discount at Caltex

• 14% instant discount at Shell

Dining

Very Good

• Grain promotion: Enjoy 10% off bill with no minimum spend with Promo Code “HSBCGRAIN”. Valid till 30 Jun 2021

• WhyQ Promotion: Enjoy S$5 off bill with S$10 minimum spend with Promo Code “HSBCWHYQ5”. Valid till 30 Jun 2021

Annual Interest Rate and Fees

Annual Principal Fee	N/A
Supplementary Annual Fee	N/A
Fee Waiver	N/A
Interest Free Period	20 days
Annual Interest Rate	25.90%
Late Payment Fees	S$55
Minimum Monthly Repayment	3% or S$50, whichever is greater
Foreign Currency Transaction Fee	1.80%
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$40,000

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Google Pay

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