HSBC Revolution Credit Card Review
The HSBC Revolution Credit Card is a rewards card designed for online shoppers with no annual fees attached.
written_by SingSaver Team
updated: May 07, 2025
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In Summary
Seedly rating: 3.4 stars
No annual fees ever and no minimum spend required—just starting spend to enjoy 10x Reward points on local and overseas online purchases. Could the HSBC Revolution Credit Card be the rewards card of choice for online shoppers?
HSBC Revolution Credit Card review
HSBC Revolution Credit Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 4 miles / dollar |
| Annual Fee | No Annual Fee |
| REWARDS | |
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HSBC Revolution Credit Card review
Rates, fees, and ongoing promos
Annual fee
$0
Online spend
10x Reward points or 2.5% cashback
All other spend
1x Reward point
Min. income (Singaporeans)
$30,000 per annum
Min. income (Foreigners)
$40,000 per annum
Introductory promo
$300 cashback for new HSBC cardholders
Foreign transaction fees and administrative fees may apply.
More details from HSBC
View rates and fees information.
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Annual fees are waived for this Rewards credit card.
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Earn 10x reward points on local and overseas online spend. All other types of spending will earn you 1x Reward point. No minimum spend is required.
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Easily offset your spending with your Reward points, by using the HSBC app. You can also split your purchases into monthly instalments.
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HSBC’s 10x Reward points are made of two components: Base points (1x) and Bonus points (9x). Base points are credited into your account based on your statement cycle, whereas you’ll only see your Bonus points reflected on your account by the last day of the following calendar month.
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Some online transactions are not eligible for Reward points. For example, cryptocurrency transactions, payments for insurance premiums and payments to education institutions will not earn you any points.
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Minimise the hassle of compiling your supporting documents by applying with SingPass! Check to ensure that your financial information is up to date on MyInfo before you sign up.
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Detailed review
Looking for a rewards credit card to earn benefits on your online spending? The HSBC Revolution Credit Card might just be The One. With 10x Reward points on local and overseas online spend, and 1x Reward point for all other types of spending, it’s easy to see the appeal of this card. Best of all, you never have to worry about paying annual fees!
New HSBC cardholders can benefit from redeeming up to $300 cashback while existing HSBC cardholders get $50 cashback. Upon providing marketing consent and spending $1,000 from your account’s opening date till the end of the following month, you’ll be able to choose between $300 cashback, or $100 cashback and a Samsonite ZELTUS spinner luggage bag.
>> MORE: Best cashback credit cards.
SingSaver x HSBC Revolution Credit Card Exclusive Offer
Get S$370 cash, a Dyson Supersonic™ or Dyson WashG1™, Apple iPhone 16 or iPad (A16), a Sony HT-AX7 speaker, or a PS5 when you apply for an HSBC Revolution Credit Card via SingSaver and make a min. spend of S$500 by the end of the following month from card approval date. Valid till 30 June 2025. T&Cs apply.
Compare to other cards
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Benefits and perks
No annual fees
With no annual fees to speak of, you won’t have to worry about the HSBC Revolution Credit Card eating into your budgeting for membership fees. You’ll be able to focus instead on racking up those Reward points for your desired benefits.
10x Reward points on any online spend
Being able to earn big rewards for only online purchases may seem limiting, but if you mainly spend online, you might be able to shrug off this restriction.
Whether you’re booking a flight to Bangkok, or if you just went on an online shopping spree to refresh your wardrobe—you’ll have the satisfaction of knowing those 10x Reward points will come rolling in. That is, until you hit the $1,000 monthly spend ceiling, upon which your 10x Reward points will become 1x Reward point(s).
Flexible rewards redemption
Thanks to the HSBC app, redeeming your Reward points and turning them into miles or hotel stays is as effortless as it gets. With HSBC’s huge list of hotel and airline partners, you’ll definitely find deals to your liking no matter what your schedule looks like. Or, you could simply use your Reward points to offset your purchases, via the app’s Pay with Points function.
>> MORE: The Best Credit Cards For Shopping
Turn your spending into next level vacays
Unlock the travel experiences you’ve been dreaming of with the perfect card that matches your reward preferences and travel habits.
Drawbacks and considerations
High bonus earn rate, low monthly rewards cap
Though the prospect of earning 10x Rewards points on almost any kind of online transaction is an enticing one, there’s a catch. The HSBC Revolution Credit Card has a relatively low monthly rewards cap of $1,000.
What this means is that after your monthly spending exceeds $1,000, your earn rates dip from 10x to 1x Reward point(s). Whether this is a disqualifying factor for you depends on your spending habits. If you consistently find yourself breaching this threshold, this card may not be the best match for you.
Other related cards
Only online spend gets you 10x Reward points
As mentioned earlier, how hard this limitation hits depends on how you spend. If online shopping doesn’t make up much of your monthly expenditure, your ability to garner Reward points may be limited. On the other hand, if you love shopping deals on groceries or skincare products online, the HSBC Revolution Credit Card may be able to help you maximise your spending and rewards.
The best shopping credit card is waiting for you
Enrich your retail experience offline and online, with the perfect credit card for shopping. Discover cards that offer optimal cashback and exclusive rewards.
Discontinued complimentary travel insurance
Back in the day, HSBC Revolution Credit Card members would be able to enjoy complimentary travel insurance by simply charging the full cost of their air ticket to their credit card. Unfortunately, this programme is being discontinued. From 1 April 2025, HSBC’s complimentary travel insurance benefit will no longer be something HSBC Revolution Credit Card holders can make use of.
This follows HSBC’s cessation of awarding 9x Reward points for contactless transactions in July 2024, along with their decision to discontinue awarding 9x Reward points for travel-related transactions from January 2025.
Thinking of switching cards? Compare the best credit cards available in 2025 here.
The Singsaver team is committed to impartial and independent reviews of all financial products, which will always be available for free. However, none of our content should be regarded as constituting financial advice or personalised recommendations.
Is this the right card for you?
The HSBC Revolution Credit Card is designed for habitual online spenders who are relatively low spenders. Since you only get 1 Reward point for every dollar you spend above $1,000 per month, this is probably not the best pick for people who regularly spend much higher amounts online.
Hoping to turn all the Reward points you’re getting into air miles or other benefits? The HSBC Revolution Credit Card is a great way to accumulate points. Since Bonus points are subject to a cap of 9,000 Bonus points per calendar month, while Base points are not subject to any limits, you may eventually be able to accrue enough points for your desired rewards.
HSBC Revolution Credit Card
HSBC Revolution Credit Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 4 miles / dollar |
| Annual Fee | No Annual Fee |
| REWARDS | |
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product_details
Alternate pick: Miles
Seedly rating: 2.5 stars
HSBC TravelOne Credit Card
A reliable travel card for elevating your travel experience
Earn up to 2.4 miles or 6x Reward points on overseas spend, and up to 1.2 miles or 3x Reward points on local spend. New HSBC cardholders can redeem 36,000 bonus miles when they apply.
Shopping around for different benefits?
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SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.