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 transactions across dining, shopping, and ride-hailing apps.

This bonus earn rate is capped at S$1,000 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
 % cashback
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Annual Fee
No Annual Fee
Monthly Spend Required
None
Minimum Annual Income
S$ 30,000
3 Offers Available
Get 1x chance to win a VIP Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
  • SingSaver Giveaway promotion runs from 16 April 2025, 9:00 AM SGT to 4 May 2025.
  • Promotion is valid for new applicants of American Express / Citi / HSBC / Standard Chartered credit cards or IG / Longbridge / Webull stock brokerages only.
  • Apply for participating credit card or stock brokerage products during the promo period to receive 1x chance to win a VIP Suite Concert Experience!
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

+ 1 other gift options

  • Rewards Upgrade promotion is valid until 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • Apply 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.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.
Dyson Airstrait™ straightener (worth S$799)
SingSaver Exclusive Offer
Dyson Airstrait™ straightener (worth S$799)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • 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 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 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • 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 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 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • 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 reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
Dyson V12 Origin (worth S$749)
SingSaver Exclusive Offer
Dyson V12 Origin (worth S$749)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • 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 reward.
  • Promotion does not stack with other welcome offers from HSBC.
  • Terms and Conditions apply.
GoPro HERO13 Black Action Camera (worth $590)
SingSaver Exclusive Offer
GoPro HERO13 Black Action Camera (worth $590)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new HSBC credit cardmembers only.
  • 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 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 Supermarket
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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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 Hotel Booking
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
4,000  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 reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).

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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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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 homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.

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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 9,000 bonus reward points per calendar month on eligible purchases.

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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 (unlike Citi Rewards’ ThankYou Points of 60 months).

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
None
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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

Read Singsaver’s full review of the HSBC Revolution Credit Card

 

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

  • Welcome offers for new cardholders, such as up to $300 cashback or a Samsonite luggage gift upon meeting minimum spend requirements.

  • 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

 

Who is this card for

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.

Compare to other cards

For those who prefer reward points over cashback, the HSBC Revolution Credit Card is a top pick, offering 10X Reward points (equivalent to 4 miles per $1) on online dining, shopping, travel, and ride-hailing. That matches the Citi Rewards Card, which also provides 10X points on similar online categories, though HSBC has the edge with no annual fee for life and no conversion fees when transferring points to airline or hotel partners.

In contrast, the DBS Live Fresh Card is more cashback-focused, offering up to 6% cashback on shopping and transport, but it comes with category spend requirements and a $196.20 annual fee (waived in the first year). Citi Rewards also charges an annual fee (waived for the first year) and limits bonus point earnings to $1,000 spend per month, the same cap as HSBC Revolution.

For added perks, HSBC Revolution also includes exclusive 1-for-1 dining deals via the ENTERTAINER with HSBC app—a benefit that’s not offered by Citi Rewards. If you’re after no-fuss rewards, no fees, and strong miles conversion value, the HSBC Revolution Credit Card is one of the best no-annual-fee cards for digital natives and savvy point collectors alike.

HSBC Revolution Credit Card

Interest rate: 25.9%

Annual fee: No annual fee

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

Benefits:

  • 10X Reward points (equivalent to 4 miles per $1) on eligible online dining, shopping, travel, and ride-hailing transactions (capped at $1,000 per calendar month)
  • No annual fee for life
  • Exclusive 1-for-1 offers via the ENTERTAINER with HSBC app
  • Free transfers of Reward points to airline and hotel partners (no conversion fees)

DBS Live Fresh Card

Interest rate: 27.8%

Annual fee: $196.20 (first year waived)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • Up to 6% cashback on shopping and transport spend (requires a minimum spend of $800 per month)
  • 0.3% unlimited base cashback on all spending
  • Additional 5% Green Cashback on selected eco-eateries, retailers, and transport services
  • Access to Fresh Deals, including entertainment, shopping, dining, and travel offers

Citi Rewards Card

Interest rate: 27.9%

Annual fee: $196.20 (first year waived)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

Benefits:

  • Earn 10X Citi ThankYou Points (equivalent to 4 miles per $1) on eligible online purchases, including online groceries, food delivery, ride-hailing, and online & in-store shopping at department stores and clothing retailers
  • Bonus points are capped at 9,000 points ($1,000 spend) per statement month
  • Points are valid for up to 5 years
  • Redeem points for a variety of rewards, including miles, cash rebates, and merchandise through the Citi ThankYou Rewards program
  • Up to 17% fuel savings at Caltex and up to 14% at Esso and Shell

 

Credit card application

Step 1: Start your application on SingSaver

Click the “Apply Now” button on this page to begin your application. You’ll be redirected to HSBC’s official application portal after entering your email address so that we can send you the exclusive rewards details.

Then, to speed things up, log in with your SingPass MyInfo. 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.

Step 2: Submit required documents (if needed)

In some cases, HSBC may request additional documents like:

  • Latest payslip or CPF Contribution History

  • Income Tax Notice of Assessment (NOA)

  • Proof of address for foreigners

Step 3: 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.

Step 4: Redeem your SingSaver rewards

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.

 

Credit card application resources

Not sure this card is right for you? Explore our expert picks for the best credit cards across cashback, rewards, and travel.

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.

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