HSBC Revolution Credit Card

The rewards credit card ideal for savvy online shoppers that allows you to earn up to 10X Points on online purchases or through contactless payment. Have the freedom to choose miles as your reward instead, with 4 miles for every dollar spent ($1 = 4 miles). This credit card also includes no annual fees, no required minimum spend and more.

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• Pays to access additional features

Card Features & Details

1) Key Features

• 10X Reward Points (= 4 miles or 2.5% cashback per dollar) on online and contactless spending with no minimum spend required
• Get 1X Reward Points on all other spendings
• No annual fees
• Points can be used to offset spending

2) Benefits

Points

• 1X base reward point for every S$1 spent on all eligible transactions and are not subject to any cap
• 9X bonus reward points for every S$1 spent on eligible online and Visa contactless payments
• Bonus points are capped at 9,000 rewards points per calendar month
• Examples of eligible Visa contactless payments: Visa payWave, Apple Pay, and Google Pay
• Reward points expire after a 37-month period from the subsequent month it is awarded
• Additional 1% with HSBC Everyday+ Rewards Programme, up to S$300 per calendar month (S$500 for HSBC Premier customers)

HSBC Promotions & Privileges

• Exclusive deals and offers for: 
• Online and in-store shopping
• Hotels, flights and packages
• Dining, with 1-for-1 offers using the ENTERTAINER with HSBC app
• Complimentary coverage on:
• Online purchases for losses or damages
• Complimentary travel insurance coverage
• Fuel savings at any Caltex or Shell petrol station islandwide using the HSBC Revolution Credit Card:
• Caltex: 14% instant discount on Diesel/Regular 92/Premium 95, 16% instant discount on Platinum 98
• Shell: 14% instant discount at any Shell stations

3) Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans, PRs and Foreigners
• Minimum annual income:
• S$30,000 for Singaporeans/PRs
• S$40,000 for Foreigners
• Or a fixed deposit collateral of S$10,000

4) Fees & Charges

• Annual principal fee: S$0 (waived annually)
• Supplementary card annual fee: Free for life
• Late payment fees: S$100
• Repayment grace period: Depends on monthly credit card statement
• Your minimum payment amount will be calculated as:
• 100% of the monthly instalment amount for each of your cash instalment plans and spend instalment plans, if you have any;
• Plus: 100% of any interest, late fees, annual credit card fees and overlimit fees charged to your account
• Plus: 1% of your remaining outstanding balance (i.e. your total outstanding balance less the amounts set out under the previous two bullet points)
• Plus: the excess amount above your credit limit, if your account is overlimit, or SGD50, whichever is greater.
• *The total amount under the 2nd and 3rd plus is subject to a minimum of S$50 (in the currency of your account).
• However, if your total outstanding balance is less than S$50 (in the currency of your account), your minimum payment amount will be your total outstanding balance.
• Cash advance charges: S$15 or 6% of the amount drawn, whichever is higher.
• Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period. 

Frequently Asked Questions

Can you enjoy annual fee waiver for the HSBC Revolution Credit Card?

• Yes, the annual fee for the HSBC Revolution Credit Card is waived for every year.

Who should apply for the HSBC Revolution Credit Card?

• For shoppers who enjoy shopping online and using contactless purchases
• Those who want freedom to choose between earning points or miles

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

• Minimum annual income:
• S$30,000 for Singaporeans/PRs
• S$40,000 for self-employed or commission-based Singaporean or Permanent Resident
• S$40,000 for Foreigners
• Or a fixed deposit collateral of S$10,000