Best HSBC Credit Cards in Singapore 2024

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.

Which HSBC Credit Card Is Best For You?

 

  • HSBC Advance Card: Best for Big-Ticket Purchases
  • HSBC Live+ Card: Best for Lifestyle Shoppers
  • HSBC TravelOne Card: Best for Overseas Spending and Frequent Travellers
  • HSBC Revolution Card: Best for Online and Contactless Spending
  • HSBC Visa Infinite Card: Best for Dining, Lifestyle and Luxury Benefits
  • HSBC Premier Mastercard Credit Card: Best for Local and Overseas Spending
Discover the best HSBC credit cards and apply now
Jump to: Compare and Find the Best HSBC Credit Cards in Singapore | Benefits of Using HSBC Credit Cards | Managing Your HSBC Credit Card | Frequently Asked Questions About HSBC Credit Card


Disclaimer: SingSaver assembles this 'best' list from cards listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before signing up for any financial product.


Best HSBC Credit Card Comparison

HSBC Live+ Credit Card

HSBC Live+ Credit Card

Cashback Dining
Up to 8  %
info
Cashback Supermarket
0.3  %
Cashback Petrol
5  %
info
Monthly Spend Required
S$ 600  per month
info

Offer Available

Welcome Offer
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) + S$100 cashback
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) + S$100 cashback

Valid until

30 September 2024

Welcome Offer
Up to S$300 cashback
Up to S$300 cashback

Valid until

30 September 2024

Things to consider for this product:

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Dining rebate

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Supermarket rebate

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Petrol rebate

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Rebate cap applied

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

Airmiles Local
1.2  miles per dollar
Airmiles Overseas
2.4  miles per dollar
Minimum Annual Income
S$ 30,000
Airport Lounge Access
4  visits per year*
info

2 Offers Available

Rewards Upgrade Campaign
Receive premium rewards worth up to S$1,664.25
Receive premium rewards worth up to S$1,664.25

+ 3 other gift options

Valid until

21 July 2024

SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

21 July 2024

SingSaver Exclusive Offer
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50)
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50)

Valid until

21 July 2024

SingSaver Exclusive Offer
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

21 July 2024

SingSaver Exclusive Offer
27,000 Max Miles
27,000 Max Miles

Valid until

21 July 2024

SingSaver Exclusive Offer
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

21 July 2024

Things to consider for this product:

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Unlimited air miles

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Airport lounge

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Travel insurance

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Bonus air miles

Only on SingSaver
HSBC Advance Credit Card

HSBC Advance Credit Card

Cashback Local
2.5  %
info
Cashback Base Rate
1.5  %
info
Monthly Spend Required
S$ 0
info
Cashback Overseas
2.5  %
info

2 Offers Available

Rewards Upgrade Campaign
Receive premium rewards worth up to S$1,664.25
Receive premium rewards worth up to S$1,664.25

+ 3 other gift options

Valid until

21 July 2024

SingSaver Exclusive Offer
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

21 July 2024

SingSaver Exclusive Offer
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

21 July 2024

SingSaver Exclusive Offer
Flujo BEA Office Chair (worth S$509)
Flujo BEA Office Chair (worth S$509)

Valid until

21 July 2024

SingSaver Exclusive Offer
S$350 eCapitaVoucher
S$350 eCapitaVoucher

Valid until

21 July 2024

Things to consider for this product:

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No monthly spend required

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Travel insurance

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Annual Fee waiver

remove

Rebate cap applied

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Cashback Local
2.5  %
info
Rewards Points Contactless Spend
10  point per dollar
info
Rewards Points Online Shopping
10  point per dollar
info
Annual Fee
No Annual Fee

Offer Available

Welcome Offer
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)

Valid until

30 June 2024

Welcome Offer
S$200 cashback
S$200 cashback

Valid until

30 June 2024

Welcome Offer
S$50 cashback
S$50 cashback

Valid until

30 June 2024

Things to consider for this product:

check

Mobile contactless rebate

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Online shopping rebate

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Travel rebate

check

No Annual Fee

Compare and Find the Best HSBC Credit Cards in Singapore
When comparing the best HSBC credit cards in Singapore, it is important to consider your monthly spending habits and the credit card benefits.
Benefits for HSBC Credit Cards
Rewards and Benefits

Start by evaluating the rewards and benefits that each card offers, such as cashback, miles or rewards points on certain purchases.

Associated fees for HSBC Credit Cards
Associated Fees

Next, consider the annual fee, interest rate, and any additional fees associated with the card. Additionally, look into the card's foreign transaction fees if you plan to travel frequently.

Read reviews about HSBC Credit Cards
Compare Reviews

It's helpful to compare the options available and read reviews from other cardholders before deciding. Ultimately, the right HSBC credit card will depend on your specific needs and how you plan to use it.

HSBC Credit Card Promotions in Singapore

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC credit card.

HSBC Advance Card (📣Offer Only Available on SingSaver📣): Receive a Dyson V8 Slim™ Fluffy (worth S$509) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or a BEA Office Chair (worth S$509) or S$350 eCapitaVoucher upon activating and spending min. S$500 by end of the following calendar month from the card account opening date. Valid till 30 June 2024. T&Cs apply.

HSBC TravelOne Credit Card: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or an Apple Watch Series 9 (worth S$604.50) or S$400 eVoucher (Redeem from merchants like Klook) or 27K Max Miles upon activating and spending min. S$1,000 plus pay annual fee of S$196.20 by end of the following calendar month from the card account opening date. Available for both NTC and ETC holders. Valid till 30 June 2024. T&Cs apply.

⬆️Rewards Upgrade Campaign⬆️: Upgrade your rewards when you top up S$200 to get a Sony Portable Theatre System HT-AX7 (worth $$769). Alternatively, top up S$588 for a Sony ZV-1M2 Vlog Camera (worth $1,209) or top up S$1,099 for an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 30 June 2024. T&Cs apply.

HSBC Live+ Card

This card offers 8% cashback on dining, entertainment, and shopping spend (both local and overseas). It also offers up to 5% cashback on fuel spending at Caltex and Shell stations in Singapore, and 0.3% cashback on all other qualifying spend. It also includes exclusive deals and discounts at restaurants through their curated dining programme restaurants with accelerated cashback.

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HSBC TravelOne Card

The HSBC TravelOne Card is a newly launched miles credit card that offers 1.2 miles per dollar on local spending and 2.4 miles on overseas spending. These benefits are complimentary with the card as well: 4 free airport lounge visits per year, travel insurance with Covid-19 coverage, and access to ENTERTAINER with HSBC.

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HSBC Advance Card

The HSBC Advance Credit Card is a generous cashback credit card that offers up to 3.5% cashback on all spending. If you are looking for a cashback credit card for big-ticket purchases, like a wedding or home renovation, look no further! It also comes with complimentary access to ENTERTAINER.

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HSBC Revolution Card

The HSBC Revolution Credit Card is perfect for those looking to earn 10x rewards points on a variety of daily transactions via online and contactless spending. Cardholders will also enjoy complimentary access to ENTERTAINER, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.

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HSBC Credit Card Benefits and Rewards
HSBC credit card rewards

HSBC Credit Card Rewards

HSBC credit cards in Singapore allow you to redeem rewards points for cash credit, air miles, gifts and vouchers. Cardholders also get access to exclusive lifestyle and dining deals, airport lounges, and travel insurance coverage.

HSBC home&Away Privilege Programme

HSBC's home&Away privilege programme in Singapore provides cardholders with exclusive discounts and offers at selected merchants both locally and internationally. 

Cardholders can enjoy exclusive deals on dining, shopping, travel, and entertainment, and they can be easily found through the HSBC Mobile app or website. This programme is available to all HSBC credit and debit cardholders.

HSBC Low Balance Transfer Rate

HSBC's Card Balance Transfer programme in Singapore allows cardholders to transfer their outstanding balances from other credit cards to an HSBC credit card at a low promotional interest rate. This programme helps cardholders manage debt and save money on interest charges for up to 12 months.

HSBC Spend Instalment For Flexible Monthly Payments

HSBC's Spend Instalment programme in Singapore lets cardholders convert large purchases into interest-free monthly payments over 3 to 12 months, providing greater flexibility and convenience. 

Do note that a 3-5% processing fee will apply depending on your instalment period.

HSBC Credit Card with No Annual Fee!

HSBC's Revolution Credit Card in Singapore is a popular choice for those who want a credit card with no annual fee. It offers a generous 10x rewards points on all online shopping and contactless payments via Visa payWave, Apple Pay or Google Pay.
 
The HSBC Revolution Credit Card has no minimum spend requirement either and includes complimentary access to ENTERTAINER, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide. 

If you're after a credit card with no annual fee, look no further!
HSBC revolution card with no annual fees
Managing Your HSBC Credit Cards
How to apply for a new HSBC credit card

Applying for a HSBC Credit Card

To apply for an HSBC Credit Card in Singapore:

  1. Visit the HSBC website or HSBC Singapore app and select your credit card of choice. Alternatively, you can also apply for your HSBC credit card via SingSaver for exclusive rewards.

  2. Check the eligibility criteria and ensure that you meet the minimum age and income requirements.

  3. Submit your application online via Myinfo, and wait for approval. You may be contacted if additional information is required.

  4. Once your application is approved, you'll receive your credit card in the mail within a few days.

  5. Activate your card according to the instructions provided, and start using it for your everyday expenses to enjoy the benefits it offers.

You can also choose to apply for a card on person at an HSBC bank branch.

Activating HSBC Credit Card for Overseas Use

If you are planning to use your HSBC Credit Card overseas, you may need to activate it to prevent any interruptions to your card usage. Here are the steps to activate your HSBC Credit Card for overseas use in Singapore:

  1. Call 1800-HSBC NOW (1800-4722 669) or +65  6472 2669 if you are overseas.

  2. Select "*" followed by "5" for Overseas Enrolment.

  3. Follow the guided instructions.

You can also activate your HSBC Credit Card for overseas use via the HSBC Online Banking portal or HSBC Singapore mobile app.

Cancelling Your HSBC Credit Card

If you no longer need your HSBC Credit Card or have found a better alternative, you may want to cancel the card to avoid any unnecessary fees. Here are the steps to cancel your HSBC credit card in Singapore:

  1. Call the HSBC customer service hotline at 1800-HSBC NOW (1800-4722 669) to speak to a customer service representative.

  2. Verify your identity by providing personal details and answering security questions.

  3. Request for the cancellation of your credit card and confirm the reason for cancellation.

  4. Follow the instructions given by the customer service representative to settle any outstanding balances or fees.

  5. Cut up and dispose of the cancelled credit card to prevent any unauthorised usage.

  6. Wait for confirmation of the credit card cancellation, which will typically be sent via email or mail.

  7. Ensure that any automatic payments or standing instructions linked to the cancelled credit card are updated with the new payment details.

  8. If you have any unused rewards points or miles, redeem them before the cancellation of the credit card.

You can also cancel your HSBC Credit Card via Internet Banking or the HSBC Singapore mobile app.
How to check for my HSBC credit card balance

How to Check Your HSBC Credit Card Balance?

To keep track of your HSBC credit card balance and avoid exceeding your credit limit, you can check your balance through various channels. Here are the steps to check your HSBC credit card balance in Singapore:

  1. Log in to your HSBC Online Banking account using your username and password.

  2. View your credit card balance and recent transactions under the 'Accounts' tab.

  3. Alternatively, you can use the HSBC Singapore mobile app on your mobile device to check your credit card balance and transactions.

  4. To check your credit card balance via phone, call the HSBC customer service hotline at 1800-HSBC NOW (1800-4722 669) and follow the prompts to access your account information.

  5. You can also check your credit card balance and transactions at any HSBC ATM in Singapore.

  6. If you prefer to receive regular updates on your credit card balance, you can enroll in HSBC's eStatement service to receive monthly electronic statements.

  7. Do check your credit card bill or statement regularly to ensure that your credit card transactions are correct.

  8. If you notice any discrepancies or unauthorized charges, report them to HSBC immediately to prevent further damage.

How to Request for an Annual Fee Waiver for Your HSBC Credit Card?

Here are the steps to request for an annual fee waiver for your HSBC credit card in Singapore:

  1. Call the HSBC customer service hotline at 1800-HSBC NOW (1800-4722 669).

  2. Request to speak to a customer service representative regarding an annual fee waiver for your credit card.

  3. Explain your situation and reason for requesting the waiver, such as being a long-time customer with good payment history or facing financial hardship.

  4. Provide any necessary documents or information requested by the customer service representative.

  5. Wait for confirmation of the annual fee waiver, which will typically be sent via email or mail.

  6. If your request is denied, you can try again at a later time or consider switching to a different credit card with more favorable fees and benefits.

Remember to pay your credit card balance in full and on time to maintain good credit standing and increase your chances of future fee waivers.

Redeeming your HSBC Credit Card Rewards Points for Cash Credit

If you've been collecting HSBC Credit Card Reward Points and would like to redeem them for cash credit, here's how to do it:

  1. Log in to your HSBC Online Banking account using your username and password.

  2. Under the 'Rewards' tab, select 'Cash Credits' as your redemption option.

  3. Select the number of points you wish to redeem for cash credit.

  4. Confirm the redemption request and wait for the cash credit to be processed.

  5. The cash credit will be applied to your HSBC credit card balance, reducing the amount you owe.


Alternatively, you can choose to redeem your points for other rewards such as air miles, shopping vouchers or merchandise, depending on your preference.

The redemption rates and options may vary depending on your specific credit card type and rewards programme.

Remember to check the HSBC rewards catalogue for more details and terms and conditions.

Frequently Asked Questions About HSBC Credit Cards

To apply for a credit review for your HSBC credit card in Singapore, you can call the HSBC customer service hotline at 1800-HSBC NOW (4722 669) or visit any HSBC branch in person. 

A credit review can help you increase your credit card limit, depending on your creditworthiness and financial standing.

HSBC credit card approval times can vary depending on several factors, including your credit score, income level, and documentation. In Singapore, it typically takes around 5-7 business days to process a credit card application and receive a decision from HSBC.

There are certain HSBC Credit Cards that come with instant approval. In such cases, a digital credit card will be provided to you instantly.

To track your HSBC credit card application status in Singapore, you can log in to your HSBC online banking account or call the HSBC customer service hotline at 1800-HSBC NOW (4722 669). 

You will need to provide your application reference number and personal details for verification.

The primary cardholder can apply for a supplementary card for their spouse, children, or other family members. 

You can apply for a supplementary card online through your HSBC Online Banking account or HSBC Singapore mobile app. Alternatively, you can call the HSBC customer service hotline at 1800-HSBC NOW (4722 669) for assistance with your application.