Best HSBC Credit Cards in Singapore 2026 Comparison
Only at MoneySmart: Get $400 worth of Cash Rewards when you apply for HSBC Credit Cards. Compare the best Singapore credit cards for cashback, dining, air miles, and shopping here.
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We found 6 HSBC credit cards for you!
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Latest HSBC Exclusive Promotions 2026
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| HSBC Revolution Credit Card |
| Spend S$500 from the Card Account Opening Date to the end of the following calendar month to receive S$420 cash or 6,140 SmartPoints (valued up to S$499 in gifts). Additionally, you could win a S$15,000 Dream Holiday to your destination of choice. | 5 Jun 2026 till 9 Jun 2026 |
| HSBC Live+ Card |
| Spend S$500 from the Card Account Opening Date to the end of the following calendar month to receive S$420 cash or 6,140 SmartPoints (valued up to S$499 in gifts). Additionally, you could win a S$15,000 Dream Holiday to your destination of choice. | 5 Jun 2026 till 9 Jun 2026 |
| HSBC TravelOne Card |
| Spend S$500 from Card Account Opening Date to the end of the following calendar month to receive S$400 cash or 6,140 SmartPoints (worth up to S$499 in gifts).
PLUS, win a S$15,000 Dream Holiday to your preferred destination. | 5 Jun 2026 till 9 Jun 2026 |
| HSBC Advance Credit Card |
| Spend S$500 from Card Account Opening Date to the end of the following calendar month to receive S$400 cash or 6,140 SmartPoints (worth up to S$499 in gifts).
PLUS, win a S$15,000 Dream Holiday to your preferred destination. | 5 Jun 2026 till 9 Jun 2026 |
Credit Card Reviews: Find the Best Card for You
Read every MoneySmart credit card review and find the card that matches your lifestyle!
Why Choose HSBC Credit Cards in Singapore?
HSBC offers credit cards in Singapore with global acceptance and benefits for diverse lifestyles—from air miles and cashback to everyday rewards.
Standout features include:
- Up to 20x reward points: HSBC Revolution Card delivers up to 20x reward points per dollar on contactless / online spend when paired with an Everyday Global Account ($50,000 balance required).
- Instant miles conversion: Redeem points to KrisFlyer, Asia Miles, and 20+ airline partners instantly via the HSBC app—no waiting periods.
- No annual fee option: Cards like the HSBC Revolution charges $0 annually, while other cards offer first-year waivers and spend-based renewals from $12,500–$25,000.
- ENTERTAINER App Access: HSBC Live+ and HSBC Advance cardholders get complimentary 1-for-1 dining and travel deals at over 200 merchants.
- Total Relationship Balance (TRB) benefits: Maintain $50,000 in HSBC deposits / investments to qualify for cards at lower income thresholds ($30,000 vs. standard $65,000).
How to Earn and Redeem HSBC Credit Card Rewards: Points, Cashback & Miles
Make your HSBC credit card work harder for you by mastering how to earn, redeem, and protect your rewards. Here’s a practical, step-by-step guide to help you maximise cashback, points, and air miles while sidestepping the most common pitfalls.
How to maximise reward points and cashback?
Match your card to your spending pattern:
- Match spending to card strengths: Use HSBC Revolution for online / contactless, HSBC Live+ for dining / shopping, HSBC Advance for high monthly spend (>$2,000), and HSBC TravelOne/Visa Infinite for travel.
- Hit minimum spend thresholds: HSBC Revolution's 20x rewards points requires Everyday Global Account ($50,000 balance); HSBC Advance's 2.5% cashback requires >S$2k monthly spend.
- Monitor cashback caps: HSBC Live+ Card caps at $250 per quarter, while HSBC Advance caps at $70 per month. Track your spending to avoid exceeding caps
- Stack with ENTERTAINER App: HSBC Live+ and HSBC Advance cardholders get complimentary 1-for-1 dining and lifestyle offers for additional value
Redeeming HSBC points and cashback
Step-by-step redemption process:
- Log in to HSBC Singapore App or internet banking
- Navigate to 'Rewards' Section to view your available balance
- Choose your redemption type:
- Confirm and submit. Most redemptions process instantly; miles transfer instantly with HSBC TravelOne/Visa Infinite, may take a few days for HSBC Revolution.
- For catalogue items (gadgets, vouchers, statement credits): Browse 20,000+ options, select your reward (min. 4,000 points for statement credits), confirm
- For air miles (HSBC Revolution, HSBC TravelOne, HSBC Visa Infinite only): Select 'Convert Points' or 'Redeem Miles', choose airline partner (KrisFlyer, Asia Miles, etc.), enter member number and transfer amount
💡 MoneySmart Tip: Check the minimum and increments for miles conversion (e.g. 10,000 miles blocks), and ensure your airline account details are accurate to avoid failed transfers.
Common pitfalls & how to avoid them
Missed bonuses | Always check current promos; for example, the MoneySmart exclusive $400 cash/SmartPoints gift for new cardholders (valid May 2026) and spend the required amount (typically $500 within set timeline). |
Points expiry | Set reminders to redeem regularly. Don't wait till the last minute |
Redemption deadlines | High-demand catalogue items may sell out fast during promotional periods. |
Not hitting minimum spend | Track your monthly/quarterly spending to ensure you meet thresholds for bonus rates. |
Overlooking caps | Monitor your spending to avoid exceeding cashback caps and earning zero additional rewards. (e.g. HSBC Advance cashback is capped at $70 per month). Spending beyond the cap earns no extra rewards for that period. |
⭐ For a deeper dive on rewards credit cards and strategic tips, check out our comprehensive guide to rewards credit cards in Singapore.
HSBC Credit Card Fees and Charges to Know
HSBC credit cards come with a variety of fees and payment options that can make a real difference to your bottom line if you’re not careful. Here’s what to expect—and how to steer clear of common traps.
HSBC credit card fees: Breakdown
Card | Annual fee (Principal/Supplementary) | Waiver criteria | Late fee | Foreign transaction fee | Cash advance fee |
HSBC Revolution | None | None because no annual fee | $100 | 3.25% | 8% or $15, whichever is higher |
HSBC Live+ | $196.20 / Free (up to 5 cards) | 1st year free; waive with $12,500 annual spend | $100 | 3.25% | 8% or $15, whichever is higher |
HSBC TravelOne | $196.20 / N/A | Waived with $25,000 annual spend | $100 | 3.25% | 8% or $15, whichever is higher |
HSBC Advance | $196.20 / N/A | 1st year free | $100 | 3.25% | 6% or $15, whichever is higher |
HSBC Visa Infinite | $662.15 / None | N/A | $100 | 3.25% | 6% or $15, whichever is higher |
- Overlimit fee for most cards: $40
- Minimum monthly repayment: Typically 3% or $50 (whichever is higher), or 100% of instalment plan amount due plus interest/fees.
- To request for annual fee waiver: Call HSBC Credit Card hotline at 1800-HSBC NOW (4722 669) or use the HSBC Singapore app.
Instalment plans, balance transfers & cash advances
Service | Fees / rates | Key details |
Instalment plans | 0% with processing fee OR merchant-specific interest rate | Pay in full by instalment end; otherwise standard interest (up to 27.8% p.a.) applies |
Balance transfers | Typically 1-2% of transferred amount | Standard rates (26.9%–27.8%) apply after promo period ends |
Cash advances | 6-8% or $15 (whichever higher) + up to 28.5% p.a. interest from day 1 | Use only in emergencies |
HSBC Credit Card Eligibility & Application Guide
Getting a new HSBC credit card in Singapore is easier when you understand the eligibility rules, onboarding steps, and common application issues upfront. Here’s a complete, jargon-free guide for locals, PRs, and foreigners—whether you’re after everyday rewards, cashback, air miles, or premium perks.
HSBC credit card eligibility criteria
All HSBC credit cards need to be at least 21 years old to apply. And if applying for the HSBC Revolution, HSBC Live+, HSBC TravelOne, HSBC Advance, you’ll need the following minimum annual income:
For Singapore Citizens/Permanent Residents:
- $65,000 annual income, OR
- Maintain Total Relationship Balance (TRB) of S$50,000 with HSBC: $30,000 (salaried) / $40,000 (self-employed) annual income
For foreigners: $65,000 annual income
HSBC Visa Infinite: $120,000 annual income (regardless of residency status)
How to apply for an HSBC credit card?
Step | Action | What to Do | Time Required |
1 | Check eligibility | Review the eligibility table above to confirm you meet age (21+), minimum income ($65,000 standard or $30,000 with TRB ≥$50k), and residency requirements. | 2 minutes |
2 | Gather documents | You’ll need to prepare the following documents:
| 5 minutes |
3 | Choose your card | Match card to your spending pattern:
| 3-5 minutes |
4 | Apply via MoneySmart | Click "Apply Now" on your preferred HSBC credit card and access exclusive MoneySmart promos: cash credits, SmartPoints for Apple products, or gift redemptions not available on bank sites directly. Use Singpass MyInfo to auto-retrieve your personal details and seamlessly fill up the application form. ⭐ Remember to submit your email address through our MoneySmart Rewards Form to qualify for our sign-up rewards and track the gift status. | Immediate |
5 | Submit application | Complete the online form via HSBC website or app. Upload documents through MyInfo (Singaporean/PR) or manually (foreigners). For complex cases (secured cards, unique expat circumstances), visit any HSBC branch. | 5-10 minutes |
6 | Wait for approval | Depending on the bank and card, it may take up to 3–5 business days, or longer in special cases. | Varies by card |
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FAQs About HSBC Credit Cards in Singapore
Which HSBC credit card is best for air miles in Singapore?
HSBC TravelOne Card and HSBC Visa Infinite Credit Card are top picks for air miles.
The HSBC TravelOne Card offers up to 2.4 miles per $1 on eligible foreign currency spend, instant redemption to 20+ airline / hotel partners, 4 complimentary airport lounge visits yearly, and up to S$150,000 complimentary travel insurance coverage (including for COVID-19).
Meanwhile, the HSBC Visa Infinite Card offers up to 2.25 miles per $1 on eligible foreign currency spend, unlimited airport lounge access at 1,100+ locations worldwide, complimentary limo transfers, and up to S$2.75 million complimentary premium travel insurance coverage.
What's the best HSBC cashback credit card in Singapore?
The HSBC Live+ Card delivers up to 8% cashback on dining, shopping, and entertainment ($250 quarterly cap).
The HSBC Advance Credit Card offers 2.5% cashback on all eligible spend for those spending >$2,000/month (otherwise 1.5% cashback), with automated cashback crediting and $70 monthly cap.
Does HSBC have a no annual fee credit card?
Yes, HSBC Revolution Credit Card charges $0 annual fee with no waiver requirements.
However, other HSBC cards offer first-year waivers (Live+, Advance) or spend-based waivers (TravelOne: >$25,000 yearly spend; Live+: >$12,500 yearly spend).
Which HSBC cards offer airport lounge access?
- HSBC Visa Infinite: Unlimited access for main and supplementary cardholders at 1,100+ lounges worldwide via LoungeKey (present card + boarding pass)
- HSBC TravelOne: 4 complimentary visits per year for primary cardholder and guests (register via HSBC app)
Other HSBC cards do not include lounge access by default.
How long do HSBC Reward Points last before expiring?
HSBC Reward Points expire after 37 months from the date of earning.
Set reminders to redeem regularly. Rewards points can be converted to miles, redeemed for statement credits, gadgets, or vouchers via the HSBC Singapore app.
Can I use HSBC credit cards for contactless payments like Apple Pay and Google Pay?
Yes, all HSBC credit cards support Apple Pay and Google Pay. You can activate your virtual card instantly via the HSBC Singapore app for immediate use, even before your physical card arrives.
What is HSBC Total Relationship Balance (TRB) and how does it help?
TRB (Total Relationship Balance) is the sum of your deposits, investments, and insurance with HSBC.
Maintaining ≥$50,000 TRB lets you qualify for HSBC credit cards at lower income thresholds:
- Standard requirement: $65,000 annual income
- With TRB ≥$50,000: $30,000 (salaried) or $40,000 (self-employed)
This applies to Revolution, Live+, TravelOne, and Advance cards.
Where can I compare more HSBC credit cards or find application guides?
Explore MoneySmart's HSBC credit card provider page for complete card comparisons, or browse:
- Best cashback credit cards in Singapore
- Best rewards credit cards in Singapore
- Best miles credit cards in Singapore
- Best travel credit cards in Singapore
- Credit card application guide
- Benefits of HSBC credit cards in Singapore
- Which HSBC credit cards have no annual fee?