Which card has the lower annual fee?

HSBC Revolution Credit Card has a $0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HSBC Revolution Credit Card leads with an estimated $988/yr net annual value on moderate spend.

Which card has the lower income requirement?

HSBC Revolution Credit Card lists a minimum monthly income of $30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HSBC Advance Credit Card vs HSBC Revolution Credit Card vs OCBC 365 Credit Card

Honest side-by-side comparison of HSBC Advance Credit Card, HSBC Revolution Credit Card, OCBC 365 Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Revolution Credit Card ranks first for estimated net annual value — ahead of OCBC 365 Credit Card by about $292/yr.

HSBC Advance Credit Card vs HSBC Revolution Credit Card vs OCBC 365 Credit Card comparison table
Feature	HSBC Advance Credit Card HSBC	HSBC Revolution Credit Card HSBC	OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$194	Lifetime free	$192
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$60,000/mo	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$988/yr	$696/yr
Online shopping	—	10% cashback → $50/mo ($600/yr)	3% cashback → $15/mo ($180/yr)
Groceries (offline)	—	—	6% cashback → $30/mo ($360/yr)
Dining & delivery	—	10% cashback → $30/mo ($360/yr)	6% cashback → $18/mo ($216/yr)
Fuel	—	—	6% cashback → $12/mo ($144/yr)
Travel	2.5% cashback → $8/mo ($90/yr)	—	—
Top reward rate	2.5%	10%	6%
Primary reward cap	$200 rewards/mo cap	$100 rewards/mo cap	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: HSBC Revolution Credit Card has a $0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HSBC Revolution Credit Card leads with an estimated $988/yr net annual value on moderate spend.
Which card has the lower income requirement?: HSBC Revolution Credit Card lists a minimum monthly income of $30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

HSBC Advance Credit Card

HSBC

Card 2

HSBC Revolution Credit Card

HSBC

Card 3

OCBC 365 Credit Card

OCBC

Your adjusted comparison

Feature	HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2.5% Annual fee$194 Min income$60,000/mo Tap to flip back HSBC Advance Credit Card HSBC	HSBCGold HSBC Revolution Credit Card •••• •••• •••• 4242 Quick facts HSBC Revolution Credit Card Top reward10% Annual feeLifetime Free Min income$30,000/mo Tap to flip back HSBC Revolution Credit Card HSBC	OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$30,000/mo Tap to flip back OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$194	Lifetime free	$192
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$60,000/mo	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$988/yr	$696/yr
Online shopping	—	10% cashback → $50/mo ($600/yr)	3% cashback → $15/mo ($180/yr)
Groceries (offline)	—	—	6% cashback → $30/mo ($360/yr)
Dining & delivery	—	10% cashback → $30/mo ($360/yr)	6% cashback → $18/mo ($216/yr)
Fuel	—	—	6% cashback → $12/mo ($144/yr)
Travel	2.5% cashback → $8/mo ($90/yr)	—	—
Top reward rate	2.5%	10%	6%
Primary reward cap	$200 rewards/mo cap	$100 rewards/mo cap	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	—

HSBC Advance Credit Card details →HSBC Revolution Credit Card details →OCBC 365 Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons