Top of main content
A woman is holding shopping bags; image used for Credit Card Features Page.

Credit Cards Features

Manage your money more easily

A woman is paying with her mobile phone.

Virtual Card

  • Use your credit card, even if you left it at home

  • Lost or stolen card? Never go without

  • Use your new card instantly

  • No need to sign up

Lighten your purse load and use your credit cards on your mobile phone with the HSBC Singapore app.

Two girls are using contactless payment.

Apple Pay

  • Make easy and secure contactless payments with Apple Pay.

Mobile payment in a coffee shop.

Google PayTM

  • Make fast and secure contactless payments with Google Pay.

A woman on a train.


  • Skip the top-ups and simply tap to pay for your bus and train fares with your card or via Apple Pay and Google Pay.

People holding hands in front of mountains.

Credit Limit Review

  • Enjoy greater financial freedom with an increased credit limit.

To apply, complete the Credit Limit Review Form and send it back to us with your latest income documents.

Piggy and laptop putting on table.

Spend Instalment

  • HSBC Spend Instalment helps you manage your finances by dividing your purchase into smaller instalments.

Opt for any of our instalment payment periods available with a processing fee of up to 5%.

A woman stretching in garden.

Card Balance Transfer

  • Get extra cash with our low balance transfer rate on your HSBC Credit Cards and enjoy up to 90% savings!

  • 2.50% per annum for 6 months with processing fee of SGD88 (Effective Interest Rate (EIR): 4.39% per annum).
  • 4.88% per annum for 12 months with processing fee of SGD88 (Effective Interest Rate (EIR): 6.77% per annum).

Plus, enjoy a waiver of processing fee for approved amount of SGD10,000 and above.

Two girls hiking with smile.

Card Instalment Plan

  • Greater flexibility through choice of repayment period from 6 to 24 months.

To enjoy HSBC's Credit Card Instalment Plan, simply make a minimum purchase of SGD500 at any of the following participating merchant outlets. Click here for latest 0% Instalment Payment Plan (IPP) Promotions.

  • 0% interest
  • Fixed monthly repayments
  • Greater flexibility through choice of repayment period from 6 to 24 months
A couple hiking with heavy bags.

Cash Instalment Plan

  • Attractive interest rates

  • Fixed monthly repayments

  • Greater flexibility through choice of repayment period from 12 to 36 months

  • Hassle-free application

Choose from a range of tenors from 12 to 36 months. With repayments divided into equal monthly instalments and attractive interest rates as low as 0% p.a., your finances can now be better managed.

A woman smiling in gallery.

HSBC Recurring Bill Payment

  • Enjoy the convenience of consolidated bill payments to your HSBC credit card.

A mother sharing a gift with her daughter.

HSBC Tax Payment Programme

  • Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account - and get rewarded for it!

A woman holding a card while watching mobile phone.

Credit Card Security Alerts

  • Safety measures to keep your credit card secure.