HSBC Revolution Credit Card

HSBC Revolution Credit Card

The HSBC Revolution Card earns 10X Rewards Points or 4 miles per S$1 spend (mpd) on online and contactless transactions across dining, shopping, and ride-hailing apps.

This bonus earn rate is capped at S$1,500 spend per calendar month. All other spend will earn 0.4 mpd only.

Best of all, there is no annual fee.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles / dollar
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Annual Fee
No Annual Fee
Monthly Spend Required
S$ 0
Minimum Annual Income
30,000
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2 Offers Available
Get 1x chance to win a Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a Suite Concert Experience
  • SingSaver Concert Giveaway promotion runs from 17 September 2025 to 30 September 2025.
  • Promotion is valid for new Citi/HSBC credit cardmembers only.
  • Apply for selected credit cards from Citi or HSBC during the promo period to receive 1x chance to win a suite concert experience to the world's hottest tour
    • Eligible applicant pool is shared across all participating providers.
  • Promotion is stackable with existing SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
SingSaver Exclusive Offer
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
SingSaver Exclusive Offer
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson OnTrac™ headphones (worth S$699) (Top up S$70)
SingSaver Exclusive Offer
Dyson OnTrac™ headphones (worth S$699) (Top up S$70)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)
SingSaver Exclusive Offer
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Shark TurboBlade Multi-Directional Cooling Fan (worth S$499)
SingSaver Exclusive Offer
Shark TurboBlade Multi-Directional Cooling Fan (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 21 September 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply and get approved for select HSBC credit cards, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for SingSaver Exclusive Offer reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.

Things to consider

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Online shopping rebate

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Travel rebate

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No Annual Fee

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Benefits

Cashback

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Cashback Base Rate
0.25  %
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Cashback Local
2.5  %
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Cashback Overseas
2.5  %
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luggage
Cashback Travel
2.5  %
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restaurant
Cashback Dining
2.5  %
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Cashback Retail
2.5  %
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Cashback Department Store
2.5  %
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contactless
Cashback Contactless Spend
2.5  %
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commute
Cashback Transport
2.5  %
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Cashback Local Online Shopping
2.5  %
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AirMiles

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Airmiles Base Rate
0.4  miles / dollar
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location_on
Airmiles Local
Up to 4  miles / dollar
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Airmiles Retail
4  miles / dollar
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restaurant
Airmiles Dining
4  miles / dollar
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shopping_bag
Airmiles Local Online Shopping
4  miles / dollar
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domain
Airmiles Department Store
4  miles / dollar
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shopping_cart
Airmiles Supermarket
4  miles / dollar
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Airmiles Flight Booking
4  miles / dollar
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commute
Airmiles Transport
4  miles / dollar
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luggage
Airmiles Travel
4  miles / dollar
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Airmiles Bonus Cap
5,400  miles
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flight
Airmiles Overseas
Up to 4  miles / dollar
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Quick Facts

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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.

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10X Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Valid till 28 Feb 2026.

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1X reward point for all other spending.

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No minimum spend required.

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No annual fee.

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Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.

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Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.

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Up to 16% and 14% off petrol at Caltex and Shell respectively.

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Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.

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Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.

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Compatible with Apple Pay, Google Pay, and Visa PayWave.

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Can convert between cashback, miles, or reward points flexibly.

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Great for individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more

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Read our review of the HSBC Revolution Credit Card.

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Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.

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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.

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1X reward point earned on public transport (via SimplyGo) only.

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HSBC reward points expire after 37 months.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
30,000
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Monthly Spend Required
S$ 0
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Fees / Repayment

Fees

Annual Fee Waiver
No Annual Fee
Annual Fee
No Annual Fee
Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 40
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
26.9  %
Interest on Cash Advance
28  %
Interest Free Period
20  Days

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Others

Association

VISA Platinum

Supported Payment Type

Google Pay

Apple Pay

Tags

HSBC Revolution Credit Card HSBC Revolution Credit Card

HSBC Revolution Credit Card

 

The HSBC Revolution Credit Card is ideal for those who want to maximise rewards on everyday digital payments and contactless transactions.


It allows you to earn 10X Reward Points (equivalent to 4 miles or 2.5% cashback per S$1) on eligible online and contactless spend, and 1X Reward Point on all other purchases.

Additionally, you’ll enjoy no annual fee, flexible redemption options for miles, cashback or vouchers, and exclusive Singsaver sign-up offers for added value.

Spend Category Rewards Earned
Online & Contactless Spending on:
  • Shopping
  • Dining
  • Ride Hailing
  • Memberships
  • Travel
 10X Rewards Points (4 mpd)
All Other Spend 1X Rewards Point

 

SingSaver’s Offer

Apply for the HSBC Revolution Credit Card, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards below:

  • Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)
  • Dyson Airstrait™ straightener (worth S$799) (Top up S$80)
  • Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50)
  • Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)
  • Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • Dyson OnTrac™ headphones (worth S$699)
  • S$420 Grab Vouchers
  • S$390 Cash via PayNow

 

Welcome offer comparison

Provider Offer
SingSaver Gifts worth up to S$899
HSBC Website

Spend S$500 to receive a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or S$200 cashback. 


Spend another S$500 to receive S$100 cashback.
Other Platforms S$390 Cash via PayNow or 6,140 SmartPoints

 

Best offer: The Singsaver promotion offers the most value, offering new card applicants the option to choose a gift worth up to S$899.

 

HSBC Revolution Credit Card at a glance

Rewards
5/5 Stars

  • Earn 10X Reward Points (equivalent to 4 miles or 2.5% cashback per S$1) on eligible online and contactless spend
  • 1X Reward Point on all other purchases
  • Points never expire and can be redeemed for miles, cashback, or vouchers
  • No minimum spend and no annual fee makes it easy to maximise rewards

 

Overseas spending
4/5 Stars

  • Earn 10X Reward Points on eligible overseas online and contactless transactions
  • Accepted globally as part of the Mastercard network
  • Competitive earn rate for frequent travellers when paired with miles conversion

 

Travel
3/5 Stars

  • Flexible redemption for flights, hotels, and travel vouchers via HSBC’s Rewards Programme
  • No complimentary lounge access or bundled travel insurance
  • Periodic travel partner promotions available through HSBC

 

Bill payment
2/5 Stars

  • No accelerated rewards on bill payments via AXS, SAM, or similar channels
  • Limited value for recurring utilities or tax payments

 

H3 Petrol
2/5 Stars

  • No direct petrol discounts or tie-ups with fuel brands
  • Petrol purchases earn base points only (1X Reward Point per S$1)
  • Other dedicated fuel or cashback cards offer better value for drivers


Annual interest rate and fees

  • Annual principal fee: None
  • Supplementary annual fee: None
  • Fee waiver: N/A
  • Interest-free period: 20 days
  • Annual interest rate: 27.8% p.a.
  • Late payment fees: S$100 if outstanding balance is more than S$200
  • Minimum monthly repayment: 3% of statement balance or S$50, whichever is higher
  • Foreign currency transaction fee: 3.25%
  • Cash advance transaction fee: 6% or S$15, whichever is higher
  • Overlimit fee: S$40

 

Minimum income requirements

  • Singaporean/PR minimum income: S$30,000
  • Self-employed/commission-based Singaporean/PR minimum income: S$40,000
  • Foreigner minimum income: S$60,000

 

Why apply for the HSBC Revolution Credit Card


Cashback benefits

  • Earn 10X Reward Points (equivalent to 4 miles or 2.5% cashback per S$1) on online and contactless transactions, including dining, groceries, shopping, and travel bookings
  • 1X Reward Point per S$1 on all other spend
  • Reward Points never expire and can be redeemed for miles, cashback, or vouchers

 

Additional benefits

  • Permanently no annual fee for both principal and supplementary cards
  • Flexible redemption options via HSBC’s Rewards Catalogue, with instant conversion to KrisFlyer, Asia Miles, and other partners
  • Regular merchant and travel partner promotions for added value

 

Everyday value

  • No minimum spend required to earn accelerated rewards, making it easy to benefit from every transaction
  • Broad eligibility on categories like online spend and contactless payments means rewards apply to daily essentials
  • Ideal for those who prefer fuss-free, long-term rewards without worrying about caps or annual fee renewals

 

SingSaver’s take

The HSBC Revolution Credit Card is ideal for Singaporeans who spend regularly on online shopping, dining, ride-hailing, and food delivery. Whether you're filling up your Shopee cart, ordering from GrabFood, or catching a ride on Grab, you'll earn 10X Reward points (4 miles per $1) on eligible transactions—capped at $1,000 per month. It's also great for those collecting miles for future travel, and with no annual fee, it offers solid value without extra cost.

Pros & Cons

Pros Cons
  • Earn 10X Reward points (equivalent to 4 miles per $1) on eligible online dining, shopping, travel, and ride-hailing transactions
  • No annual fee for life
  • Exclusive 1-for-1 offers on dining, travel, and lifestyle experiences via the complimentary ENTERTAINER with HSBC app
  • Points are valid for 37 months, providing ample time to redeem rewards
  • Bonus earn rate capped at $1,000 per month; spending beyond this earns only 1X point per $1 (0.4 miles)
  • Bonus points apply only to specific online transactions within a whitelist of Merchant Category Codes (MCCs); many categories have been removed over time
  • Not ideal for KrisFlyer miles collectors, as the conversion rate is less favorable compared to other cards

 

 

Card comparison

Card Miles/Rewards Annual Fee (Principal) Other Perks
HSBC Revolution Credit Card Earn 10X Reward Points (4 mpd / ~2.5% cashback equivalent) on online and contactless spend; 1X on all other spend None Points never expire; flexible redemption for miles, cashback or vouchers; frequent dining, retail, and travel partner promotions
DBS LiveFresh Card Up to 6% cashback on shopping and transport spend (minimum monthly spend of S$800 required); 0.3% on all other spend S$196.20 (1-year waiver) Eco-friendly recycled plastic card; zero FX fees on point-of-sale transactions at select Asian destinations; exclusive online and retail partner promotions
Citi Rewards Card 10X Rewards Points (4 mpd) on online and in-store shopping; 1X on all other spend (capped at S$1,000/month for bonus rate) S$196.20 (1-year waiver) Points valid for 5 years; redeemable for miles, cashback or vouchers; wide airline transfer partners including KrisFlyer, Asia Miles, Qatar Privilege Club

 


Application process

  1. Click “Apply Now” on this page.
  2. Login with your SingPass MyInfo to speed up the application process. HSBC will automatically retrieve your personal and income details, so you don’t have to fill in everything manually. 
    Most applicants receive a decision within minutes.
  3. Submit required documents (if needed).
  4. Receive and activate your card. Once approved, your HSBC Live+ Credit Card will be mailed to you. You can activate and manage your card using the HSBC Singapore mobile app.
  5. After you’ve completed the required minimum spend, follow the instructions in the reward redemption email from SingSaver. Submit your application reference number and any required documents within the stated deadline to claim your exclusive gift.

 

Frequently asked questions about the HSBC Revolution Credit Card

Are there annual fees for the HSBC Revolution Credit Card?

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No, the HSBC Revolution Credit Card has no annual fee—it’s permanently waived for all cardholders.

What is the income requirement for the HSBC Revolution Credit Card?

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The minimum annual income required is $30,000 for Singaporeans and PRs, and $40,000 for foreigners. If you don’t meet the income requirement, you may still apply with a fixed deposit of at least $10,000 as collateral.

What is the mile per dollar or cashback offered?

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You’ll earn 10X Reward points (equivalent to 4 miles per $1 or roughly 2.5% cashback) on eligible online spending in categories like dining, shopping, and ride-hailing, capped at $1,000 per month. All other spend earns 1X point (0.4 miles per $1).

Are there extra perks for the credit card?

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Yes. Perks include 1-for-1 dining and lifestyle deals via the ENTERTAINER with HSBC app, complimentary e-Commerce protection for online purchases, and free conversion of reward points to airline and hotel partners with no transfer fees. Reward points also have a generous validity of 37 months.

Related pages

  • Best HSBC Credit Cards in Singapore 2025
  • Best air miles credit cards
  • Best travel credit cards
  • Best travel rewards credit cards
  • Best cashback credit cards
  • Best online shopping credit cards
  • Best credit cards for restaurants

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.