Best HSBC Credit Cards in Singapore 2026
Updated: 15 Jan 2026
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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Credit Card | Product Name | 🔥 Hot Reward Pick | Min. Annual Income | Card Benefits | Ideal For | |
|---|---|---|---|---|---|---|
 | HSBC Live+ Credit Card | S$65,000 | 0.3 - 8 % | Cashback Chaser | ||
 | HSBC TravelOne Credit Card | S$65,000 | 1.2 - 2.4 | Jetsetter | ||
 | HSBC Revolution Credit Card | S$65,000 | 0.4 | Online Shopper | ||
 | HSBC Advance Credit Card | S$65,000 | 1.5 - 2.5 % | For All-round Cashback |
Why Trust SingSaver
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 Feb 01, 2026 to claim your reward
Participating Products:
HSBC Revolution Credit Card
:
For Online Shoppers
How to Qualify?
- Apply for HSBC Credit Cards with provided marketing consent through SingSaver by 1 February 2026
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of S$500 by the end of the following calendar month from card approval date to be eligible for reward
- Promotion is valid for new HSBC credit cardmembers only
- Terms and Conditions apply
Apply by Feb 01, 2026 to claim your reward
Cashback (Bonus)
5 - 8%Cashback (Baseline)
0.3 %Bonus Cap
S$ S$
250 / quarterApply through SingSaver and choose from 8 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.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- 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.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
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$65,000
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 8 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.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
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$65,000
Minimum Age: 21 years old
Airmiles (Dining)
4 miles / dollarAirmiles (Shopping)
4 miles / dollarAirmiles Bonus Cap
5,400 milesApply through SingSaver and choose from 8 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 Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Valid till 28 Feb 2026.
- 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.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- 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 individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases (valid till 31 Oct 2025). Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
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$65,000
Minimum Age: 21 years old
Cashback (Local)
2.5 %Cashback (Overseas)
2.5 %Cashback (Baseline)
1.5 %Apply through SingSaver and choose from 8 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.
- No monthly spend required
- Travel insurance
- Annual Fee waiver
- Cashback is capped at S$70 per calendar month.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
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$65,000
Minimum Age: 21 years old