Side-by-side · honest numbers
HSBC Revolution Credit Card vs SC Journey Credit Card
Honest side-by-side comparison of HSBC Revolution Credit Card, SC Journey 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 leads SC Journey Credit Card by about $573/yr in estimated net value.
| Feature | HSBC Revolution Credit Card HSBC | SC Journey Credit Card Standard Chartered |
|---|---|---|
| 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 | $415/yr |
| Online shopping | 10% cashback → $50/mo ($600/yr) | — |
| Dining & delivery | 10% cashback → $30/mo ($360/yr) | — |
| Travel | — | 3 pts per $1 spend → $14/mo ($162/yr) |
| Top reward rate | 10% | 3X 360° points |
| Primary reward cap | $100 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold |
| 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
Change spend profile or swap cards — results update live below.
HSBC Revolution Credit Card
HSBC
SC Journey Credit Card
Standard Chartered
Your adjusted comparison
| Feature | 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 | Standard CharteredPlatinum SC Journey Credit Card •••• •••• •••• 4242 Quick facts SC Journey Credit Card Top reward3X 360° points Annual fee$194 Min income$50,000/mo Tap to flip back SC Journey Credit Card Standard Chartered |
|---|---|---|
| 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 | $415/yr |
| Online shopping | 10% cashback → $50/mo ($600/yr) | — |
| Dining & delivery | 10% cashback → $30/mo ($360/yr) | — |
| Travel | — | 3 pts per $1 spend → $14/mo ($162/yr) |
| Top reward rate | 10% | 3X 360° points |
| Primary reward cap | $100 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
Share this comparison
https://cardhungry.com/sg/en/compare/hsbc-revolution-sg-vs-sc-journey-sgMore HSBC Revolution Credit Card comparisons
- HSBC Revolution Credit Card vs Citi Cash Back Card
- HSBC Revolution Credit Card vs Citi PremierMiles Card
- HSBC Revolution Credit Card vs DBS Altitude Visa
- HSBC Revolution Credit Card vs DBS Live Fresh Card
- HSBC Revolution Credit Card vs HSBC Advance Credit Card
- HSBC Revolution Credit Card vs Maybank Family & Friends Card
- HSBC Revolution Credit Card vs OCBC 365 Credit Card
- HSBC Revolution Credit Card vs OCBC 90°N Card
- HSBC Revolution Credit Card vs OCBC Titanium Rewards Card
- HSBC Revolution Credit Card vs POSB Everyday Card
- HSBC Revolution Credit Card vs SC Smart Credit Card
- HSBC Revolution Credit Card vs UOB One Card