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HSBC Revolution Credit Card vs OCBC 365 Credit Card

Honest side-by-side comparison of 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

Customize your spend

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

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

OCBC 365 Credit Card

OCBC

Your adjusted comparison

Feature
HSBC Revolution Credit Card

HSBC Revolution Credit Card

HSBC

OCBC 365 Credit Card

OCBC 365 Credit Card

OCBC

Fees & eligibility
Annual feeLifetime free$192
Fee waiver thresholdLifetime freeNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$988/yr$696/yr
Online shopping$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo$500 × 3% = $15/mo ($180/yr)
Groceries (offline)—$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo
Dining & delivery$300 × 10% = $30/mo ($360/yr) · issuer max $100/mo$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo
Fuel—$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo
Top reward rate10%6%
Primary reward cap$100 rewards/mo cap$80 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~$1,267/yr combined NAV ($279 vs best solo). Both annual fees apply.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Revolution Credit Card leads OCBC 365 Credit Card by about $292/yr in estimated net value.

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

HSBC Revolution Credit Card vs OCBC 365 Credit Card comparison table
FeatureHSBC Revolution Credit Card

HSBC

OCBC 365 Credit Card

OCBC

Fees & eligibility
Annual feeLifetime free$192
Fee waiver thresholdLifetime freeNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$988/yr$696/yr
Online shopping$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo$500 × 3% = $15/mo ($180/yr)
Groceries (offline)—$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo
Dining & delivery$300 × 10% = $30/mo ($360/yr) · issuer max $100/mo$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo
Fuel—$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo
Top reward rate10%6%
Primary reward cap$100 rewards/mo cap$80 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · 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.

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