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HSBCGold

HSBC Revolution Credit Card

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Quick facts

HSBC Revolution Credit Card

Top reward10%

Annual feeLifetime Free

Min income$30,000/mo

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💰Cashback Kings

HSBC · Gold tier

HSBC Revolution Credit Card

Popular HSBC card for dining, online, and entertainment.

Key Benefits

Dining/online: 10% (cap S$100/mo)10% on entertainmentNo annual feeBest for: Dining & online spenders

Realistic net value (moderate user)

$988/year

Annual fee

Free

Issuer headline rate: 10% — see calculator for caps

After $0 fee & $34 forex. Based on $2,400/mo spend.

Age 21–65From $30,000/mo incomeUnsecured

Not your spend profile? Customize in the calculator →

12,400 users matched · Verified 2026-06-12

Zero sales calls. Ever.

On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.

We earn commission if approved — at no cost to you.

Our transparency commitment

✓ Reward caps shown in absolute S$ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative S$/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Dining/online: 10% (cap S$100/mo)
10% on entertainment
No annual fee
Best for: Dining & online spenders

Source: Issuer public T&Cs (Singapore, verified Jun 2026)

💰Cashback Kings

Flat cashback on spends — no points math

Reward Structure

Source: Issuer public T&Cs (Singapore, verified Jun 2026)

Dining/online

10%

Cap: S$100/mo

Example: $100/mo spend → ≈ $10/mo (max at cap)

Excluded categories (no rewards)

InsuranceGovernment paymentsBalance transfers

What You Actually Earn (in S$)

Absolute SGD estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

$1,022

Before fees & forex

Costs / year

$34

Fee $0 + forex $34

Net value / year

$988

3.43% effective return on spend

Category-wise breakdown

Dining & food delivery

Spend $300/mo · 10% cashback

$360/year

$30/mo

$300 × 10% = $30/mo

Online shopping

Spend $500/mo · 10% cashback

$600/year

$50/mo

$500 × 10% = $50/mo

All other eligible spends

Spend $1,300/mo · 0.4% cashback

$62.40/year

$5.20/mo

$1,300 × 0.4% = $5.20/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Formulas and assumptions: How we calculate NAV

Best for

→Dining & online spenders

Still deciding? Compare side-by-side or get a personalized shortlist.

Fees & Charges — Full Disclosure

All amounts in SGD. Everything that can reduce your net value.

Joining fee

Lifetime free card

Annual / renewal fee

No renewal fee ever

Forex markup

2.8% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

Typically S$50–S$100 depending on balance — always pay on time

Reward redemption fee

Usually S$0 for cashback cards; points cards may have S$2+ redemption fee

Example: moderate user net math

Gross rewards+ $1,022

Annual fee− $0

Forex cost− $34

Net annual value$988

Formulas and assumptions: How we calculate NAV

Eligibility Snapshot

Public criteria from Issuer public T&Cs (Singapore, verified Jun 2026). Bank makes final decision.

Minimum age21–65 years

Min income (salaried)$30,000/mo

Min income (self-employed)$30,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CBS checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HSBC Revolution Credit Card?+

At moderate spend ($2,400/mo), gross rewards are about $1,022/year. After the $0 annual fee, net value is approximately $988/year. Use the calculator above to model your own spends.

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

$30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Balance transfers.

Does CardHungry pull my CBS score?+

No. We use public eligibility criteria only. The bank will check CBS when you apply.