HSBC Revolution Credit Card Singapore Guide: Benefits & Rewards

The HSBC Revolution Credit Card is one option Singaporeans can consider if they want to earn HSBC Reward points without paying an annual fee.

The card is especially useful for travellers and shoppers who frequently pay online or use contactless payments such as Apple Pay, Google Pay and Visa payWave.

Here is everything you need to know about HSBC Revolution Credit Card before applying a new one.

HSBC Revolution Credit Card Overview

The card does not require a minimum monthly spend to earn rewards. However, the higher 20X reward rate comes with an additional HSBC Everyday Global Account requirement.

Who Can Apply for the HSBC Revolution Credit Card?

To apply, you must be at least 21 years old.

Singaporeans and Singapore permanent residents generally need a minimum annual income of S$30,000 while the minimum income requirement for foreigners is S$40,000. Applicants are subject to HSBC's approval.

You can apply using MyInfo through Singpass, which can reduce the need to submit additional income documents.

HSBC Revolution Credit Card Benefits

1. Earn up to 20X Reward Points

The main attraction of the HSBC Revolution Credit Card is its accelerated rewards programme.

Cardholders can earn up to 10X Reward points per S$1 on eligible online and contactless spending. This is equivalent to up to 4 miles per S$1 based on HSBC's stated conversion illustration.

Eligible spending can include categories such as:

If you maintain at least S$50,000 in average daily balance in your sole HSBC Everyday Global Account in the relevant calendar month, you can unlock an additional 10X Reward points.

This brings the total to 20X Reward points per S$1 on eligible spending, equivalent to up to 8 miles per S$1 based on HSBC's illustration.

2. Earn Reward with Contactless Payments

The HSBC Revolution Credit Card is convenient for everyday purchases because eligible contactless payments can qualify for accelerated rewards.

This includes payments made through Visa payWave, Apple Pay and Google Pay, provided the transaction meets the relevant eligibility and merchant category requirements.

For Singaporeans who regularly use mobile wallets for coffee, shopping, transport or dining, this can make it easier to accumulate Reward points without changing your usual spending habits.

3. No Annual Fee

Another advantage is that the HSBC Revolution Credit Card currently has its annual fee waived.

This makes it more appealing if you want a rewards card without having to factor an annual card fee into your spending strategy.

4. Complimentary Travel Insurance

Since 1 April 2026, HSBC has upgraded all HSBC Revolution Credit Cards from Visa Platinum to Visa Signature.

The upgrade includes complimentary travel insurance covering flight inconvenience and personal accidents of up to S$1 million for the cardholder and family, subject to the applicable terms and conditions.

For Singaporeans who travel overseas regularly, this adds another layer of protection when using the card for eligible travel expenses.

5. Redeem Reward Points for Travel

HSBC Reward points can be redeemed for travel rewards, including airline miles and hotel points.

HSBC also allows eligible cardholders to redeem rewards instantly through its mobile app, with no redemption fee until further notice.

This can be useful if you prefer converting your everyday spending into travel rewards instead of cashback.

6. Online Purchase Protection

The card also provides complimentary coverage for certain online purchase losses or damages.

This can be an added benefit for Singaporeans who frequently shop online, although the applicable coverage terms and conditions should be checked before relying on the protection.

7. Supplementary Cards for Family

HSBC allows primary cardholders to share the card's benefits with family members through supplementary cards.

You can get up to five supplementary cards free for life, with supplementary cardholders aged 18 and above.

This can be useful for households that want to consolidate eligible spending and accumulate Reward points through multiple cardholders.

HSBC Revolution Credit Card Rewards

Understanding how the Reward points work is important before applying.

For eligible transactions, cardholders receive:

The 10X rate has a monthly bonus cap of 9,000 Bonus Points.

Cardholders who maintain at least S$50,000 in the HSBC Everyday Global Account have a higher monthly bonus cap of 22,800 Bonus Points.

Base Reward points are not subject to this bonus cap.

HSBC Revolution Credit Card Welcome Rewards

New HSBC cardholders can receive 42,000 Reward points, equivalent to 16,800 miles, when they apply for the HSBC Revolution Credit Card and spend S$1,000 from the card account opening date until the end of the following month.

Existing HSBC cardholders can instead receive S$50 cashback when they spend S$500 during the same qualifying period. Marketing consent is required to enjoy the offer, and other terms and conditions apply.

Is the HSBC Revolution Credit Card Worth It?

The HSBC Revolution Credit Card can be a good choice if you regularly spend online or use contactless payments and want to earn travel focused rewards.

It is particularly worth considering if you:

1. Shop online frequently
2. Use Apple Pay or Google Pay regularly
3. Spend on eligible travel bookings
4. Want to earn miles from everyday spending
5. Prefer a card with no annual fee
6. Travel overseas and value complimentary travel insurance

However, the highest 20X reward rate requires you to maintain at least S$50,000 average daily balance in an HSBC Everyday Global Account. If you do not meet this requirement, the standard accelerated rate is up to 10X on eligible spending.

HSBC Revolution Credit Card Pros and Cons

Tips on HSBC Revolution Credit Card Rewards

Use it for eligible online spending: Put eligible online shopping, travel bookings and other qualifying purchases on the card to maximise Bonus Points.

Pay with your mobile wallet: Use Apple Pay or Google Pay for eligible contactless purchases where possible.

Check merchant categories: A transaction may be online or contactless but still fail to qualify for Bonus Points if its merchant category is excluded.

Watch the monthly bonus cap: Keep track of your eligible spending so you understand how much of your monthly Bonus Points allowance you have used.

Consider the Everyday Global Account: If you can comfortably maintain the required S$50,000 average daily balance, the additional 10X Bonus Points may make the card more rewarding.

Pay your balance in full: Credit card rewards are most useful when you avoid paying unnecessary interest on outstanding balances.

Final Verdict

The HSBC Revolution Card is worth considering if your spending is mainly online and contactless and you want to turn everyday purchases into travel rewards.

Its strongest selling points up to 20X Reward points, no annual fee, complimentary travel insurance and Visa Signature privileges.

For frequent travellers, online shoppers and mobile wallet users in Singapore, it can be a practical addition to your wallet.

For the latest application details and promotional terms, check HSBC Singapore's official HSBC Revolution Credit Card page before applying, as credit card promotions and eligibility terms can change.