Best HSBC Credit Cards In Singapore (2023)

HSBC Credit Cards offer among the best benefits in the market, but unlocking them may require some effort.  

HSBC credit cards remain a popular choice for many Singaporeans. This is due to a combination of factors, including accessibility, clear value propositions and solid rewards.

The bank offers a slim catalogue of only five credit cards, but such a disciplined approach pays off, with each card aimed at a particular niche. 

Further enhancing the appeal is the solid reward and benefits that await users, which in some cases are among the best in the market. Provided you’re willing to fulfil the qualifying criteria, you could very well find the best value with HSBC credit cards. 

In this article, we’ll explore each of HSBC’s card offerings in the context of the following:   

• Best for cashback
• Best for online shopping
• Best for families and diners
• Best for accelerated air miles

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Best HSBC credit cards in Singapore

Best for	Credit card	Key benefits
Cashback	HSBC Advance Credit Card HSBC Premier Mastercard Credit Card	Up to 3.5% cashback, no minimum spend 5% cashback on local and overseas dining, groceries and transport
Online shopping and contactless payments	HSBC Revolution Credit Card	10x points (4 miles) per S$1 spent on online and contactless purchases
Best for families and diners	HSBC Visa Platinum Credit Card	5% cashback on dining, groceries and fuel with minimum spend of S$600 per month
Best for accelerated air miles	HSBC Visa Infinite Credit Card	Up to 1.25 miles per S$1 spent locally, and 2.25 miles per S$1 spent overseas

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Best for cashback: HSBC Advance, HSBC Premier Mastercard

Cashback is one of the most popular credit card perks, and it’s easy to see why. It’s basically instant savings that are accrued as you spend on your favourite items or purchases. 

HSBC credit cards offer two options for earning cashback. Want to get savings on a variety of transaction types? You’ll like the HSBC Advance Credit Card, which gives you up to 3.5% cashback on all spending. 

Alternatively, if you want to receive more cashback across local and overseas dining, groceries and transport, choose the HSBC Premier Mastercard Credit Card that gives you 5% cashback and up to S$1,800 savings in a year. Note that you’ll need to be a Premier Banking customer to apply for this card. 

	HSBC Advance Credit Card	HSBC Premier Mastercard Credit Card
Key benefits	1.5% cashback, no minimum monthly spend 2.5% cashback with minimum spend of S$2,000 per month  Extra 1% cashback for Advance Banking customers	5% cashback on local and overseas dining, groceries and transport High cashback cap of S$150 per month
Cons	Monthly cashback capped at S$70 For Advance Banking customers, monthly cashback capped at S$125	Only open to Premier Banking customers Minimum spend of S$600 required to earn cashback

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Best for online shopping and contactless payments: HSBC Revolution

If you spend most of your money online (and frankly in today’s stay-home world, who doesn't?) and like to collect reward points that you can use for a variety of perks, have a look at the HSBC Revolution Credit Card.

It awards 10X points per dollar (equal to 4 miles per dollar) on all online and contactless payments, making it a great card for digital natives, or those looking to bank up air miles to travel in style when borders finally re-open.

	HSBC Revolution Credit Card
Key benefits	10X points per S$1 on online purchases and contactless payments 10X points equivalent to 4 mile per dollar  1X points per S$1 on all other purchases No minimum monthly spend required No annual fees
Cons	Maximum 10,000 rewards points capped at 10,000 per month

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Best for families and diners: HSBC Visa Platinum

Looking for a way to save money when feeding the family or indulging your gastronomic tastes? How does 5% cashback sound?

That’s the perk you can enjoy with the HSBC Visa Platinum Credit Card, which gives you 5% cashback when you spend on local dining and groceries (including online grocers and supermarkets).

Topping up your vehicle at Caltex and Shell will also give you 5% cashback, on top of 16% discount.

	HSBC Visa Platinum Credit Card
Key benefits	5% cashback on local dining, groceries (including online) and fuel
Cons	Minimum spend of S$600 per month, consecutive 3 months, required to qualify for cashback Cashback capped at SS$250 per quarter

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Best for accelerated air miles: HSBC Visa Infinite 

The HSBC Visa Infinite Credit Card is a premium credit card aimed at high income earners (you need S$120,000 in annual income to be eligible), and comes with corresponding high-level perks. 

It grants accelerated air miles earn rate with up to 1.25 air miles per dollar spent locally, and 2.25 air miles per dollar overseas. It also grants other travel perks such as unlimited airport lounge access worldwide, free limo rides, expedited immigration clearance, complimentary travel insurance and more. A card designed for well-heeled frequent fliers.

	HSBC Visa Infinite Credit Card
Key benefits	1 mile per S$1 spent locally (1.25 miles from second year onwards)  2 miles per S$1 spent overseas (2.25 miles from second year onwards) Unlimited VIP access to airport lounges worldwide Complimentary travel insurance worth S$2 million 1 x airport lounge access and expedited immigration clearance per S$2,000 spent
Cons	Minimum spend of S$50,000 per year required to earn accelerated air miles Maximum 24x airport lounge access and 24x expedited clearance claimable per year High annual fee of S$656.08 (S$492.56 for HSBC Premier customers) No annual fee waiver

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Sign-up promotions for HSBC credit cards

Thinking of trying out any of these HSBC credit cards? Be sure to make use of these sign-up promotions to enjoy rewards!

 

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