HSBC Revolution vs DBS Live Fresh — Singapore (2026)
Side-by-side comparison of HSBC Revolution and DBS Live Fresh for Singapore users. Fees, rewards, and who each card suits best. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 15 September 2026·2 cards · 3 min scan·CardHungry
Top pick · HSBC Revolution Credit Card
Net / yr
$988
Annual fee
Free
Return
3.4%
Comparison
Net annual value · moderate spend
Comparison winner: HSBC Revolution Credit Card, $988 per year net
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Wins this head-to-head — about $988/yr net after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Wins this head-to-head — about $988/yr net after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
DBS Live Fresh Card
DBS
Net / yr
$324
Fee
$192
Top
5%
- ✓Strong runner-up at $324/yr net — roughly $664 behind #1 on the same spend mix.
- ✓Best for online/contactless — 5%, up to S$60/mo.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at $324/yr net — roughly $664 behind #1 on the same spend mix.
- Best for online/contactless — 5%, up to S$60/mo.
- Fee likely waived if you spend $10,000/yr — worth it on moderate usage.
2DBS Live Fresh CardDBS
- Strong runner-up at $324/yr net — roughly $664 behind #1 on the same spend mix.
- Best for online/contactless — 5%, up to S$60/mo.
- Fee likely waived if you spend $10,000/yr — worth it on moderate usage.
Full review →Net / yr
$324
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about $988/yr net after fees on typical spends.
- Best for dining/online — 10%, up to S$100/mo.
- No annual fee — what you earn isn't eaten by membership cost.
1HSBC Revolution Credit CardHSBC
- Wins this head-to-head — about $988/yr net after fees on typical spends.
- Best for dining/online — 10%, up to S$100/mo.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
$988
- Strong runner-up at $324/yr net — roughly $664 behind #1 on the same spend mix.
- Best for online/contactless — 5%, up to S$60/mo.
- Fee likely waived if you spend $10,000/yr — worth it on moderate usage.
2DBS Live Fresh CardDBS
- Strong runner-up at $324/yr net — roughly $664 behind #1 on the same spend mix.
- Best for online/contactless — 5%, up to S$60/mo.
- Fee likely waived if you spend $10,000/yr — worth it on moderate usage.
Full review →Net / yr
$324
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HSBC Revolution Credit Card$988#1HSBC Revolution Credit Card$988
- #2DBS Live Fresh Card$324#2DBS Live Fresh Card$324
Before you apply
Neither wins for everyone
hsbc revolution sg vs dbs live fresh sg — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CBS enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Hsbc Revolution Sg or Dbs Live Fresh Sg — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Hsbc Revolution Sg may win for one profile; Dbs Live Fresh Sg for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
HSBC Revolution Credit Card vs DBS Live Fresh Card — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- HSBC Revolution Credit Card
- DBS Live Fresh Card
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | HSBC Revolution Credit Card | DBS Live Fresh Card |
|---|---|---|
| Issuer | HSBC | DBS |
| Annual fee | Lifetime free | $192 |
| Min income | $30,000/mo | $30,000/mo |
| Top reward | 10% | 5% |
| Forex markup | 2.8% | 2.8% |
| Secured option | No | No |
| Moderate NAV winner | HSBC Revolution Credit Card | — |
Net annual value by spend profile
| Profile | HSBC Revolution Credit Card | DBS Live Fresh Card |
|---|---|---|
| Light spender net value | $429 | $128 |
| Moderate spender net value | $988 | $324 |
| Heavy spender net value | $2,146 | $696 |
Reward rules compared
| Rule | HSBC Revolution Credit Card | DBS Live Fresh Card |
|---|---|---|
| Reward rule 1 | dining: 10% (cap $100/mo) | online shopping: 5% (cap $60/mo) |
| Reward rule 2 | online shopping: 10% (cap $100/mo) | all: 0.3% |
| Reward rule 3 | all: 0.4% | — |
Benefits compared
HSBC Revolution Credit Card
- 10% on dining
- 10% on online
- 10% on entertainment
- No annual fee
DBS Live Fresh Card
- 5% on online
- 5% on Visa contactless
- Fee waiver on spend
HSBC Revolution Credit Card — full breakdown
HSBC Revolution Credit Card
Issuer: HSBC · Tier: Gold · Annual fee: Lifetime free
No-fee rewards card
Eligibility snapshot
- Min monthly income (salaried): $30,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- dining: 10% cashback — cap $100/month
- online shopping: 10% cashback — cap $100/month
- all: 0.4% cashback
Headline highlight: 10% on Dining/online (cap S$100/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: $1,022
- Annual fee: −$0
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $988 (3.43% effective return)
Key benefits
- 10% on dining
- 10% on online
- 10% on entertainment
- No annual fee
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Dining & online spenders
Read full HSBC Revolution Credit Card review with spend simulator →
DBS Live Fresh Card — full breakdown
DBS Live Fresh Card
Issuer: DBS · Tier: Gold · Annual fee: $192
Online & contactless cashback
Eligibility snapshot
- Min monthly income (salaried): $30,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap $60/month
- all: 0.3% cashback
Headline highlight: 5% on Online/contactless (cap S$60/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: $358
- Annual fee: −$0
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $324 (1.13% effective return)
Key benefits
- 5% on online
- 5% on Visa contactless
- Fee waiver on spend
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Online & contactless spenders
Read full DBS Live Fresh Card review with spend simulator →
Exclusions compared
| Typically excluded | HSBC Revolution Credit Card | DBS Live Fresh Card |
|---|---|---|
| Common | Insurance, Government payments, Balance transfers | Insurance, Government payments, Balance transfers |
Who should pick which?
- Pick HSBC Revolution Credit Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick DBS Live Fresh Card if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under $2,000/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under $1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CBS. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CBS pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.