Best HSBC Credit Cards in Singapore 2025
Updated: 3 Jul 2025
HSBC credit cards offer a wide range of benefits, including cashback rewards, competitive interest rates, and no annual fees. They also provide unique features such as contactless payments and insurance benefits such as travel insurance and purchase protection. With a focus on innovation, convenience, and customer satisfaction, HSBC credit cards are a reliable and rewarding choice for consumers.
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Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Card Benefits | Ideal For | |||
|---|---|---|---|---|---|---|---|---|
 | HSBC Live+ Credit Card | S$999 | S$589 | 0.3 - 8 % cashback | Cashback Chaser | |||
 | HSBC TravelOne Credit Card | S$999 | S$589 | 1.2 - 2.4miles / dollar | Jetsetter | |||
 | HSBC Revolution Credit Card | S$999 | S$589 | 4miles / dollar | Online Shopper | |||
 | HSBC Advance Credit Card | S$999 | S$589 | 1.5 - 2.5 % cashback | For All-round Cashback |
Don’t miss out on these great deals:
📲 Tap into the Revolution ✈️
For a limited time, earn 10X reward points (4 mpd) on new categories - online travel and contactless spending - when you apply for the HSBC Revolution Credit Card!
Apply by Jul 06, 2025 to claim your reward
Participating Products:
HSBC Revolution Credit Card
:
For Online Shoppers
How to Qualify?
- Apply for eligible HSBC Credit Cards through SingSaver by 6 July 2025
- Activate your card and spend a minimum of S$500 by the end of the following month from card approval date to be eligible for reward
- Promotion is valid for new HSBC credit cardmembers only
- Promotion does not stack with other welcome offers from HSBC
- Terms and Conditions apply
Apply by Jul 06, 2025 to claim your reward
Cashback (Bonus)
5 - 8%Cashback (Baseline)
0.3 %Bonus Cap
S$ 250 / quarterApply through SingSaver and choose from 6 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 26.9 %
- Interest on Cash Advance: 28 %
- Interest Free Period: 20 Days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$600 - S$1000
- Min. Annual Income: S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
- Minimum Age: 21 years old
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.4 miles / dollarFree Lounge Access
4 visits per year*Apply through SingSaver and choose from 6 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 26.9 %
- Interest on Cash Advance: 28 %
- Interest Free Period: 20 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: None
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$0
- Minimum Annual Income: S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
- Minimum Age: 21 years old
Airmiles (Dining)
4 miles / dollarAirmiles (Shopping)
4 miles / dollarBonus Cap
3600 milesApply through SingSaver and choose from 6 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
- Read our review of the HSBC Revolution Credit Card.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 9,000 bonus reward points per calendar month on eligible purchases.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 26.9 %
- Interest on Cash Advance: 28 %
- Interest Free Period: 20 Days
Fees
- Annual Fee: No Annual Fee
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$0
- Minimum Annual Income: S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
- Minimum Age: 21 years old
Cashback (Local)
2.5 %Cashback (Overseas)
2.5 %Cashback (Baseline)
1.5 %Apply through SingSaver and choose from 6 premium rewards:
.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Read our full review of the HSBC Advance Credit Card.
- Cashback is capped at S$70 per calendar month.
Repayment Details
- Minimum Payment: 3 %
- Late Payment Charge: S$100
- Interest on Purchase: 26.9 %
- Interest on Cash Advance: 28 %
- Interest Free Period: 20 days
Fees
- Annual Fee: S$196.20
- Foreign Currency Transaction Fee: 3.25 %
- Air Miles Conversion Fee: S$40
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$2,000
- Minimum Annual Income: S$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
- Minimum Age: 21 years old