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 Revolution Credit Card vs OCBC 90°N Card

Honest side-by-side comparison of HSBC Revolution Credit Card, OCBC 90°N 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.

Card 1

HSBC Revolution Credit Card

HSBC

Card 2

OCBC 90°N Card

OCBC

Your adjusted comparison

Feature	HSBC Revolution Credit Card HSBC	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	Lifetime free	$194
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$988/yr	$375/yr
Online shopping	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo	—
Dining & delivery	$300 × 10% = $30/mo ($360/yr) · issuer max $100/mo	—
Travel	—	$300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo
Top reward rate	10%	2.1 miles/S$1
Primary reward cap	$100 rewards/mo cap	$800 eligible spend/mo
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~$1,127/yr combined NAV ($139 vs best solo). Both annual fees apply.

HSBC Revolution Credit Card details →OCBC 90°N Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Revolution Credit Card leads OCBC 90°N Card by about $613/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 90°N Card comparison table
Feature	HSBC Revolution Credit Card HSBC	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	Lifetime free	$194
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$988/yr	$375/yr
Online shopping	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo	—
Dining & delivery	$300 × 10% = $30/mo ($360/yr) · issuer max $100/mo	—
Travel	—	$300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo
Top reward rate	10%	2.1 miles/S$1
Primary reward cap	$100 rewards/mo cap	$800 eligible spend/mo
Key exclusions	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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HSBC Revolution Credit Card comparisons