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HSBC Revolution Credit Card vs UOB PRVI Miles Card

Honest side-by-side comparison of HSBC Revolution Credit Card, UOB PRVI Miles 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

UOB PRVI Miles Card

UOB

Your adjusted comparison

Feature
HSBC Revolution Credit Card

HSBC Revolution Credit Card

HSBC

UOB PRVI Miles Card credit card

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual feeLifetime free$256
Fee waiver thresholdLifetime freeNo waiver published
Min income$30,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$988/yr$411/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 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate10%1.4 miles/S$1
Primary reward cap$100 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneComplimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~$1,105/yr combined NAV ($117 vs best solo). Both annual fees apply.

HSBC Revolution Credit Card details →UOB PRVI Miles Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Revolution Credit Card leads UOB PRVI Miles Card by about $577/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 UOB PRVI Miles Card comparison table
FeatureHSBC Revolution Credit Card

HSBC

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual feeLifetime free$256
Fee waiver thresholdLifetime freeNo waiver published
Min income$30,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$988/yr$411/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 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate10%1.4 miles/S$1
Primary reward cap$100 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessNoneComplimentary lounge access at select airports · No minimum spend required for lounge access
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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