Best HSBC Credit Cards in Singapore (Jan 2025)

Last updated on 11 January 2025

Below, you’ll find mini reviews of the best HSBC credit cards in January 2025.

These cards are also featured in Suitesmile’s lists of the best cards in Singapore for:

Best for Miles	• HSBC Revolution
Online Shopping	• HSBC Revolution • HSBC Live+
Dining	• HSBC Live+
General Spending	• HSBC TravelOne • HSBC Advance
Foreign Currency	• HSBC Revolution • HSBC TravelOne
General Spending	• HSBC TravelOne
Ride-Hailing	• HSBC Revolution
Public Transport	• HSBC Advance • HSBC TravelOne
Hospital/Clinics	• HSBC Advance
Airport Lounge	• HSBC TravelOne

💡 Click on the + Card Summary buttons below to view the key details of each card.

HSBC Revolution

Earn 4 mpd on selected online spending

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC Revolution Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on selected online spending categories like:

Online Shopping
Ride-Hailing

The 4 mpd earn rate can be enjoyed for eligible spendings of up to $1,000 per calendar month (no minimum spend, foreign currency counts).

Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.

This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions.

Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions other than Europe, Japan and South Korea.

Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
3 years from transaction
(37 months to be exact)

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points
(10,000 miles)

💲Transfer fee
Free

🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online spending (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.

📜 Terms & conditions

HSBC TravelOne

Earn 1.2 mpd on local spend, 2.4 mpd on foreign currency

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC TravelOne Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.4 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners gives you fantastic flexibility. For this reason, I recommend using this card over other General Spending cards with similar earn rates.

Cardholders are also entitled to 4 free airport lounge visits (via DragonPass) per calendar year! For example, if you apply for the card in March 2023, you will get 4 free visits for the current year, plus 4 more free visits from 1 January the following year.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
$196.20
(Get 25k points (10k miles) when you pay the annual fee from the 2nd year onwards. Get first-year waiver, if you don’t want the sign-up bonus.)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
3 years from transaction
(37 months to be exact)

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points
(10,000 miles)

💲Transfer fee
Free

🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

HSBC Live+

Get up to 8% cashback on Dining and Shopping

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC Live+ Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you a strong 8% cashback on Dining, Shopping and Entertainment when spending at least $600 per calendar month, for 3 consecutive months in a calendar quarter.

This cashback amount is capped at $250 per quarter — equivalent to $3,125 in spending per quarter, or $1,042 per month.

Take note that the 8% cashback amount will drop to 5% from 1 Apr 2025.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback amount is credited into the card within 2 months, after the end of each calendar quarter.

📜 Terms & conditions

HSBC Advance

Get up to 3.5% cashback on almost everything

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC Advance Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you 1.5% cashback on almost everything, with no minimum spending required. Cardholders can receive an additional 1% cashback when they spend at least $2,000 in a calendar month. Monthly cashback amount is capped at $70 ($2,800 worth of spending).

Cardholders can also get an additional 1% cashback (total 3.5%) with HSBC Everyday+ Rewards Programme. To qualify, cardholders will need to credit their salary or deposit at least $2,000 into the bank account and perform at least 5 transactions on the card. Additional 1% cashback is capped at $300 per calendar month.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of next calendar month.

📜 Terms & conditions