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HSBC Revolution Credit Card

HSBC Revolution Credit Card

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Best for Online Shopping With No Annual Fee

HSBC Revolution Credit Card

10x Reward Point

Every S$1 Spent

Up to SGD200 cashback

Sign-up Gift

S$ 0

Min Spent

Love shopping online and earning bonus rewards? HSBC Revolution Credit Card allows you to earn up to 10 points (or 4 miles) on online spend and Visa contactless and Apple Pay purchases. Plus, it has no annual fee and has plenty of attractive rewards redemption choices.

Best for social and online shoppers that enjoy Visa contactless payments.

HSBC Advance Credit Card Rewards

  • No annual credit card fees
  • Earn 10x rewards points or 4 miles for every S$1 spent on online shopping, food delivery, or travel bookings
  • Earn 10x rewards points for contactless transactions.
  • Earn 1x reward point for all other types of spending
  • Now made from 85.5% recycled plastic.
  • Virtual card for mobile payments


  • Exchange your points for grocery vouchers.
  • Use the “Pay with Points” feature to offset your spending. You can redeem points starting at 4,000 rewards for 4,000 reward points for S$10.
  • Get instant discounts of up to 16% off petrol at Caltex stations
  • Get 14% off petrol at Shell stations
  • Up to 40% off electronic products and accessories at Singtel Online Shop. Valid till 20 August 2021
  • Up to 8% extra on top of your total bill with a minimum spend of S$150 at Zalora. Valid from 6 to 18 August 2021 only
  • Enjoy a 0% installment payment plan online or in-store over 12 or 24 months, with a minimum purchase of S$500 at Apple. Valid till 31 August 2021.
  • 10% off regular-priced items at Beyond the Vines with a minimum spend of S$100.
  • 20% off storewide with no min. spend for new Zalora customers. Promo code: “HSBCNEW2020”. Valid till 31 December 2020.
  • 10% off at Colour Me Mats with the promo code “HSBCCMM”. Valid till 31 May 2021.
  • 10% discount at TC Acoustic for all Klipsch products. Valid till 30 April 2021.


  • Attractive rewards on online, dining, travel, and VISA contactless payments.
  • Online shopping benefits
  • No annual fee


  • Lacks rewards for frequent travelers who shop overseas
  • Not suitable for low budgets

How to Apply

21 years old and above

Singapore and Permanent Residents
Salaried employee: S
Self employed or commission-based : S$40,000


Annual Fee
Fee waiver-NA- 
Annual Interest Rate25.9% p.a.
Late Payment FeeS$55
Cash Advance Fee S$15 or 6%, whichever is highest
Minimum Monthly Spend / Monthly Payment:S$50 or 3%, whichever is highest
Foreign Currency Transaction Fee1.8%

For Singaporean/Permanent Resident salaried employees:

  • A copy of your NRIC (front and back)
  • A copy of eCPF statement contribution
  • Latest 3 months’ computerized payslips or
  • Latest Notice of Assessment with latest 1 month’s computerized payslip


For Singaporean/Permanent Resident self-employed and commission-based earners:

  • A copy of your NRIC (front and back)
  • Latest 2 years’ Notice of Assessment


For Foreigners: 

  • A copy of your passport (front and back)
  • A copy of your Employment Pass (front and back) with at least 6 month’s validity at the time of application
  • Latest 3 months’ computerized payslip or
  • Latest Notice of Assessment with latest 1 month’s computerized payslip

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

How Does It Compare With Other Credit Cards In Singapore?


Credit Card



Annual Interest

Minimum Spend

Minimum Income Requirement

HSBC Revolution Credit Card

S$1= 10x points for every S$1 spent on online shopping, food delivery, or travel bookings


S$1= 4 miles


S$1= 1x points for all other types of spending




Singaporean/PR: S$30,000

Foreigner: S$45,000

Citi Cash Back Card


Up to 8% cashback on dining, groceries, and petrol


Up to 20.88% savings from Shell & Esso


Cashback capped at S$80 per category per month



Singaporean/PR: S$30,000

Foreigner: S$42,000

HSBC Visa Platinum Credit Card


5% cashback on Dining, Groceries, & Petrol


Cashback capped at S$2500



Singaporean/PR: S$30,000

Foreigner: S$40,000

Citi Cash Back+ Mastercard


1.6% cashback on eligible spend


Unlimited cashback cap



Singaporean/PR: S$30,000

Foreigner: S$42,000

Standard Chartered Unlimited Cashback Credit Card


Up to 1.5% cashback on eligible spend


Unlimited cashback cap



Singaporean/PR: S$30,000

Foreigner: S$60,000

American Express Singapore Airlines KriFlyer Credit Card

S$1=1.1 Miles on local spend


S$1=2 miles on overseas spend


S$1= 3.1 miles on Grab rides




Singaporean/PR: S$30,000

Foreigner: S$60,000

Benefits and Challenges

HSBC Revolution Card allows cardholders to maximize rewards through online shopping and contactless spend. One of its key benefits is its no high annual fee.

Cardholders earn up to 10x rewards points or 4 air miles per S$1 spent on online and contactless payments, such as Visa PayWave, Apple Pay, and Google Pay. This is also equivalent to 2.5% cashback. 

You can redeem rewards points in different ways:

  • You can convert them into air miles which you can use for free flights, upgrades, and more.
  • Another option is to redeem points through the HSBC catalog. You can choose from everyday treats like Starbucks vouchers or popular lifestyle products.
  • Lastly, you can also use your points to offset your bill. Starting with 4,000 points for S$10 and 400 points for S$1. This is equivalent to a 2.5% cashback rate.

Is there any drawback to using HSBC Revolution Credit Card?

While cardholders can easily earn miles from using the HSBC Revolution Credit Card’s online and contactless rewards option, all other categories of spending will only receive 1x reward point (or 0.4 miles).

That said, frequent travelers who love to spend overseas will not be able to maximize this rewards card. Individuals with diversified spending habits will also not benefit much from this card.

Additionally, the rewards points are capped at 4,000 rewards points on eligible transactions. To make the most out of the HSBC Revolution Credit Card, you’ll need to spend at least S$900 online or on contactless payment.

Our Verdict

With no annual fees and no min. Spend requirement, the HSBC Revolution card is a great rewards card where you can easily reap benefits. With 10x rewards points for every S$1 spent on online shopping and contactless transactions, it’s perfect for online spenders.

Although you won’t get actual money back, you can still use your points to offset your expenditures which is the next best thing. You can redeem your earned rewards points for vouchers or use their “Pay with Points” feature.

That said, the HSBC Revolution Card is a competitive rewards card and one of the easiest cards to use.

HSBC Revolution Card Frequently Asked Questions

You can earn 10x reward points on online spend and contactless payments. Refer to the illustration below for more detailed information:

Transactions within a single calendar monthReward points eligible based on transactionTransaction amountBase Points earnedBonus Points earned
Airline ticket (Online)10XSGD900900 x 1 = 900 Reward points900 x 9 = 8,100 Reward points
Food delivery (Online)10XSGD250250 x 1 = 250 Reward points250 x 9 = 2,250 Reward points
Department stores (Contactless Payment)10XSGD350350 x 1 = 350 Reward points350 x 9 = 3,150 Reward points
Restaurant dining (Non-Contactless Payment)1XSGD200200 x 1 = 200 Reward pointsNIL
Total1,700 Reward points9,000 Reward points*

*Illustration from HSBC website

You can only earn up to 10x rewards points on the first S$1,000 you spend every month. Any excess will only earn you 1x point per dollar spent.

That said, to maximize the use of your HSBC Revolution Card, you may want to cap your spending at S$1,000 per month.

With HSBC Revolution Card, you can make cryptocurrency transactions. Typically, these transactions are processed with the Merchant Category Code 6051 and classified as quasi cash transactions by HSBC. That said, you may have to pay cash advance fees and interest charges.


Key Takeaways:

  • The HSBC Revolution Credit Card offers 10x rewards points or 4 miles for every S$1 spent on online shopping, food delivery, or travel bookings.
  • One of its key benefits is its no annual fees and no min. spend requirement.
  • You can redeem points through HSBC’s catalog, exchange them for air miles, or use your points to offset your bill.

The HSBC Revolution Card is one of the least troublesome rewards cards on the market. It doesn’t charge annual fees and has a huge range of bonus rewards categories. Plus, it doesn’t have an expenditure cap.

But just like any credit card, you need to be smart about obtaining credit card debt.

Need to pay off your credit card debt? You may want to seek the loan services of a licensed moneylender. Loan Advisor is the best one-stop loan comparison site in Singapore with the latest information about the top licensed moneylenders. Request up to three loan quotes today to find the best deals.

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