Side-by-side · honest numbers
HSBC Revolution Credit Card vs Maybank Family & Friends Card vs UOB One Card
Honest side-by-side comparison of HSBC Revolution Credit Card, Maybank Family & Friends Card, UOB One 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HSBC Revolution Credit Card
HSBC
Maybank Family & Friends Card
Maybank
UOB One Card
UOB
Your adjusted comparison
| Feature | HSBC Revolution Credit Card HSBC | Maybank Family & Friends Card Maybank | UOB One Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | $192 |
| Fee waiver threshold | Lifetime free | Lifetime free | No waiver published |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $988/yr | $966/yr | $801/yr |
| Online shopping | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo | — | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo |
| Groceries (offline) | — | $500 × 8% = $40/mo ($480/yr) · issuer max $80/mo | $500 × 5% = $25/mo ($300/yr) · issuer max $100/mo |
| Dining & delivery | $300 × 10% = $30/mo ($360/yr) · issuer max $100/mo | $300 × 8% = $24/mo ($288/yr) · issuer max $80/mo | — |
| Fuel | — | $200 × 8% = $16/mo ($192/yr) · issuer max $80/mo | — |
| Top reward rate | 10% | 8% | Up to 10% |
| Primary reward cap | $100 rewards/mo cap | $80 rewards/mo cap | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | $100 |
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https://cardhungry.com/sg/en/compare/hsbc-revolution-sg-vs-maybank-family-friends-sg-vs-uob-one-cardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Revolution Credit Card ranks first for estimated net annual value — ahead of Maybank Family & Friends Card by about $22/yr.
Spend assumptions for this table
Moderate user spend profile · $2,400/mo
$2,400/month total spend — typical Singapore user
Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300
| Feature | HSBC Revolution Credit Card HSBC | Maybank Family & Friends Card Maybank | UOB One Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | $192 |
| Fee waiver threshold | Lifetime free | Lifetime free | No waiver published |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $988/yr | $966/yr | $801/yr |
| Online shopping | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo | — | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo |
| Groceries (offline) | — | $500 × 8% = $40/mo ($480/yr) · issuer max $80/mo | $500 × 5% = $25/mo ($300/yr) · issuer max $100/mo |
| Dining & delivery | $300 × 10% = $30/mo ($360/yr) · issuer max $100/mo | $300 × 8% = $24/mo ($288/yr) · issuer max $80/mo | — |
| Fuel | — | $200 × 8% = $16/mo ($192/yr) · issuer max $80/mo | — |
| Top reward rate | 10% | 8% | Up to 10% |
| Primary reward cap | $100 rewards/mo cap | $80 rewards/mo cap | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | $100 |
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.
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