HSBC credit cards
Compare HSBC credit cards and choose the one with rewards and perks tailored for your lifestyle and spending habits.
HSBC credit cards offer generous rewards for different types of spenders. Whether you’re looking for a credit card that gives you cashback or a travel card that earns air miles and rewards, HSBC offers a broad range of benefits for different cardmembers.
Find out which cards are on offer from HSBC and learn the eligibility requirements before applying.
Compare credit cards from HSBC
Types of HSBC credit cards
HSBC offers a wide variety of credit cards in Singapore, including cashback, air miles and rewards cards, and even a credit card that potentially offers a perpetual fee waiver. Cardholders can also benefit from a large range of value-added financial services with their cards, including cash instalment plans, balance transfer, balance conversion and even a tax payment program. Compare your options based on the following types of cards and your financial needs.
HSBC has several cashback credit cards including the HSBC Visa Platinum Card and HSBC Advance Credit Card. These provide cash rebates on various types of spending both locally and online, including on daily expenses, such as groceries, petrol, dining and bill payments, as well as on shopping and entertainment. Some unique privileges that cardholders could benefit from include earning rebates on paying recurring bills, transit payments and insurance (which is usually excluded by banks in Singapore) and accumulating both cashback and air miles with one card.
While some individuals may prefer directly earning cash rebates with a cashback card, others might want a rewards credit card that lets you accumulate points and air miles quickly. Rewards cards can provide more flexible and exclusive redemption options such as flight and travel deals, discounts on hotels, dining, entertainment and vouchers to redeem a wide range of merchandise and services. Some HSBC rewards cards, including the HSBC Revolution Credit Card, also have no minimum spend requirements and no cap on the points you can earn.
HSBC also offers several air miles cards, including the HSBC Visa Infinite credit card as well as the HSBC Revolution Credit Card and HSBC Visa Platinum Card. With an air miles card from HSBC, cardholders can expect to earn points on a wide range of local and online spending, including online shopping, food delivery services such as Foodpanda and when paying recurring bills. Members may also benefit from an annual fee waiver if minimum spend requirements are met. Other privileges and perks may include unlimited access to VIP airport lounges worldwide, complimentary travel insurance coverage, welcome offers on qualifying spends and no additional fees for eligible supplementary cardholders.
Features of an HSBC credit card
If you’re unsure whether an HSBC credit card is right for you, consider the following features:
- Travel privileges. All HSBC credit cardholders can access HSBC’s home&Away Privilege Programme, which offers privileges both locally and on your travels when you charge expenses to your card. These include discounts on shopping and deals on a wide variety of travel and dining experiences.
- Supplementary cards. All supplementary cards will not incur additional fees for life. You can apply for up to five supplementary cards.
- Mobile payments. HSBC offers the convenience of Apple Pay on your Apple devices for fast and secure transactions.
- Rewards program. All HSBC primary cardholders with a valid HSBC Visa or Mastercard credit card are eligible for the HSBC Rewards program. This program is additional to any card-specific benefits you can enjoy. Every dollar charged to your credit card earns you one reward point, which you can then use to redeem shopping, dining and entertainment vouchers, gifts and cash rebates.
- Welcome gifts. New cardholders may be eligible to receive a range of sign-up offers or cashback on eligible minimum spends charged to your card.
- Exclusive lifestyle perks. Enjoy a range of dining, lifestyle and petrol privileges curated by Entertainer via the Entertainer with HSBC mobile app. These include numerous 1-for-1 deals on dining, leisure, wellness and entertainment across Singapore, Malaysia, Hong Kong, London and more.
How to apply
You can apply for an HSBC credit card online in about 15 minutes.
Follow these steps to apply for an HSBC credit card:
- Compare all of HSBC’s credit cards in the comparison table above.
- Pick the credit card that best suits your lifestyle and financial needs.
- Check the eligibility criteria for your credit card of choice and see if you meet the eligibility requirements by selecting “Compare” in the table.
- When you’re ready to apply, click “Go to site” to start your online application with HSBC.
Before applying, make sure you’ve met the following eligibility requirements and have all the necessary documents on hand.
While specific requirements may vary depending on the specific HSBC card you apply for, most HSBC credit cards have the following requirements:
- Age. You must be at least 21 years old as the primary card applicant. Supplementary card applicants must be at least 18 years old.
- Minimum income. Most HSBC credit cards require the following minimum income levels:
- S$30,000 for Singapore citizens or Singapore permanent residents (SPRs)
- S$40,000 for self-employed or commission-based Singaporeans, SPRs and foreigners who reside in Singapore
- Fixed deposit collateral. If you don’t meet the minimum income requirements, you can still apply with a minimum S$10,000 fixed deposit to be maintained with the bank as long as your account is open.
- Residential status. Singaporean citizens, permanent residents and foreigners can apply for an HSBC credit card. However, foreigners may be subject to higher income requirements and stricter employment criteria.
- Credit history. Applicants must have a good credit rating (such as no recent episodes of bankruptcy or defaults) and checks will be made prior to approval.
- Advance and Premier membership. Certain HSBC credit cards are only open to Advance and Premier relationship customers. These cards come with their own eligibility requirements.
Make sure you have the following information and documents ready when you apply:
- Personal details.You’ll need to provide personal details including your name, email address, phone number, residential address and National Registration Identity Card (NRIC) or passport and employment pass both with at least six months’ validity.
- Credit card information.You’ll need to provide your credit card number and disclose information including your annual income bracket, whether you currently hold an HSBC credit card and the type of card you wish to apply for (cashback, air miles or rewards for example).
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