HSBC Revolution Credit Card
HSBC Revolution Credit Card
- S$1 = 10X Points
- on Online Spend on Travel, Shopping & Dining
- S$1 = 1X Point
- on All Other Spend
- S$0
- Annual Fee
Get S$199 Cash via PayNow or 3,500 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
Are you eligible?
Promotion is valid from 01-December-2024 to 31-December-2024
MoneySmart Exclusive gift is applicable for New-to-HSBC cardholders only
Customers need to apply through MoneySmart to be eligible
For HSBC TravelOne Card the first-year annual fee of S$196.20 (incl. GST) must be paid to be eligible for the promotion.
Applicants need to provide HSBC their consent to receive marketing and promotional materials from HSBC at the time of submitting their application
Spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following calendar month.
Log into your MoneySmart account and submit your claim by 30th January 2025
What you need to know
Use 3,500 SmartPoints to redeem any product from our Rewards Store such as:
- Apple iPad (9th Gen) | Top up $160 more only
- S$250 GrabGifts Vouchers | Redeem in full
- Apple AirPods (4th Gen) with Active Noise Cancellation | Redeem in full
- Hinomi Q1 Ergonomic Chair | Redeem in full
- OR many other options available at our Rewards Store today.
- For more information regarding SmartPoints, refer to our FAQ here.SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
[Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 50,000 SmartPoints
[Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this HSBC Credit Card, submit the claim form, and have it successfully approved.
[Rollin’ Rewards] Redeem Epic Rewards with 50,000 SmartPoints such as:
- iPhone 16 Pro Max (18,760 SmartPoints)
- AND Apple Watch Ultra 2 (12,345 SmartPoints)
- AND Apple AirPods Pro (4,030 SmartPoints)
- AND Apple iPad Air Wi-Fi 11” (10,030 SmartPoints)[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.
Get S$150 worth of GrabGifts vouchers in HSBC’s Christmas Spend & Get Promotion 2024. Valid till 31 Dec 2024. T&Cs apply.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 December 2024).
MoneySmart exclusive rewards do not stack with external or third party promotions unless otherwise stated. See T&Cs for details.
*Instantly Activate Your Virtual Card for Google Pay and Apple Pay Shopping! T&Cs apply.
All Details
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HSBC Revolution Credit Card Benefits 2024
When it comes to lifestyle rewards credit cards, the HSBC Revolution Credit Card is a great, fuss-free card for everyday expenditures. As one of HSBC's most well-known rewards points credit cards, it's designed for those who enjoy dining, shopping, and entertainment. Curious to learn more? Keep reading to find out if this card is suitable for you.
Customer Reviews on MoneySmart Credit Card Applications
Pros & Cons Of HSBC Revolution Credit Card
Pros ✅
- 10X reward points (equivalent to 4 air miles or 2.5% cashback) per $1 spend on select online categories such as travel*, retail shopping, dining, transport, and club memberships
- 1X reward points per $1 spend on eligible contactless transactions and other payments
- No minimum spend required
- Up to 16% off petrol at Caltex or 14% off petrol at Shell
- Slightly lower interest on purchases at 27.8% p.a
- No annual fee
- Flexibility to convert reward points to cashback or air miles
- Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
- Up to S$1 million complimentary travel insurance when you charge your full travel fare to card
*Reverts to base 1X reward points (0.4 miles per dollar) from 1 Jan 2025
Cons ❌
- Total cap of 10,000 reward points per calendar month on eligible purchases; bonus reward points subject to 9,000 point cap
- HSBC reward points awarded are valid for 37 months
- Contactless transactions no longer earn 9X bonus reward points, only 1X base reward points
Ready to Revolutionise Your Spending?
The HSBC Revolution Card is a no-frills credit card that lets you earn HSBC reward points and convert them into seamless cashback or air miles!
Comparison: HSBC Revolution Card vs Citi Rewards Card vs DBS Woman’s World Card
Although the HSBC Revolution Credit Card has undergone significant changes this year, it remains a reliable choice loved by rewards enthusiasts and miles chasers – especially when pitted against similar cards like the Citi Rewards Card and DBS Woman’s World Card.
In particular, its “10X rewards points (equivalent to 4 air miles or 2.5% cashback) for every S$1 spent” rewards mechanics encompasses a broad range of eligible online categories like travel, retail, dining, ride-hailing services, and even club memberships. Plus, if you’re a driver, you’ll benefit from its respective fuel savings at Caltex and Shell stations.
While the HSBC Revolution Credit Card primarily earns HSBC reward points, it’s largely regarded as a reliable miles credit card ideal for travel bookings and other overseas expenditure.
Interest rate: 27.8%
Annual fee: None
Minimum annual income:
Card benefits:
Interest rate: 27.9% p.a.
Annual fee: $196.20 (First year waived)
Minimum annual income:
Card benefits:
Interest rate: 27.8%
Annual fee: $196.20 (First year waived)
Minimum annual income:
Card benefits:
However, do note that from 1 Jan 2025, travel-related transactions will no longer earn 10X reward points.
Ready to be a Miles Chaser?
Discover other miles credit cards here and unlock more privileges!
HSBC Revolution Credit Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats | |
|---|---|---|
| Age | 21 and above | 21 and above |
| Income | S$30,000 | S$40,000 |
| Documents required | For salaried employees: For self-employed: | For salaried employees: For self-employed/commission earners: |
How to apply for HSBC Revolution Credit Card in Singapore?
Here are 3 simple steps to apply for the HSBC Revolution Card:
Apply via MoneySmart
Start your application by clicking the “Apply Now” button via MoneySmart.
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
Provide all documentation required
You’ll need to provide all the necessary documentation for HSBC to approve your card application.
This list of documents include:
For more specific details, refer to the above section.
Receive your HSBC Revolution Card
Activate your HSBC Revolution Card instantly via the HSBC Singapore app.
Select the HSBC Revolution credit card account > “View more” > “Manage cards”.
Once activated, you can start tracking your miles and rewards with your expenses.
Frequently Asked Questions About HSBC Revolution Credit Card
Are there any fees if I apply for the HSBC Revolution Card?
- No. The HSBC Revolution Card does not charge any annual fees, but does charge other fees including cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee, whenever necessary.
Am I eligible for the HSBC Revolution Card?
- Yes. If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $40,000 (Foreigners), you’re eligible to apply for the HSBC Revolution Card.
If I’m late for my monthly HSBC Revolution Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by HSBC at the point of your late payment.
How to redeem HSBC credit card points?
- HSBC reward points can be redeemed via the HSBC Singapore app. Its Pay with Points programme allows you to convert your points for statement credits.
How to convert HSBC rewards points to miles?
- Enrol under HSBC’s Mileage Programme to start redeem air miles from a range of frequent flyer programmes such as Asia Miles and KrisFlyer.
You can pool points across HSBC credit cards before redeeming them at a minimum block of 25,000 HSBC reward points for 10,000 miles.
Conversion fees are also waived till 31 Jan 2025, thereafter S$43.20 membership fee might apply. Is the HSBC Revolution Credit Card a good choice for online shopping on Shopee?
- Yes. The HSBC Revolution Card is great for earning miles on online shopping platforms like Shopee.
Shopee is classified under MCC 5262 (Marketplace), making it an eligible merchant earning 10X reward points (4 miles per dollar) for HSBC Revolution cardholders. Do HSBC reward points expire?
- Yes. HSBC reward points expire 37 months from the date of acquiring said points. For example, points earned on 1 Jan 2024 will expire on 1 Feb 2027.