Benefits of Advance Cash Back Credit Card

Product image of HSBC Advance Credit Card.

Get up to SGD1,500 and more cashback annually.

Earn up to 3.5% cashback for all local and overseas purchases, no minimum spend required.

Apply now for a HSBC Advance Credit Card

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Check Eligibility here

Redeem a sign-up gift: Choose from a Samsonite Prestige 69cm Spinner Exp or SGD150 cashback + receive SGD20 worth of Grab rides when you apply online with MyInfo via Singpass. Find out more

Features

For all customers

Get up to 2.5% cashback¹
First year annual fee waiver

Exclusively for HSBC Advance customers

Additional 1% cashback¹
Perpetual annual fee waiver on your HSBC Advance primary and supplementary credit card(s)

How cashback works?

Enjoy up to

3.5% cashback

across all spend categories.

Get 1.5% cashback on all purchases when you spend SGD2,000 and below
Get 2.5% cashback on all purchases when you spend above $2,000
HSBC Advance banking customers enjoy an exclusive additional 1% cashback

With no minimum spend required, you will now enjoy up to 3.5% cashback on all your purchases¹ with the new, well connected HSBC Advance credit card
Spend per calendar month	Cashback for Advance banking customers	Cashback for non-Advance banking customers
Above SGD2,000	3.5% + Bonus Cash back	2.5% + Bonus Cash back
SGD2,000 & below	2.5%	1.5%
Cash Back in a calendar month	Up to SGD125 + Bonus Cash back	Up to SGD70 + Bonus Cash back

With no minimum spend required, you will now enjoy up to 3.5% cashback on all your purchases¹ with the new, well connected HSBC Advance credit card
Spend per calendar month	Above SGD2,000
Cashback for Advance banking customers	3.5% + Bonus Cash back
Cashback for non-Advance banking customers	2.5% + Bonus Cash back

Spend per calendar month	SGD2,000 & below
Cashback for Advance banking customers	2.5%
Cashback for non-Advance banking customers	1.5%

Spend per calendar month	Cash Back in a calendar month
Cashback for Advance banking customers	Up to SGD125 + Bonus Cash back
Cashback for non-Advance banking customers	Up to SGD70 + Bonus Cash back

About HSBC Advance

HSBC Advance provides digital banking solutions, financial advice and support from our expert Advance Managers, preferential rewards, and expatriate banking services that can help you stay in control of your finances and achieve your goals in the future.

Visit www.hsbc.com.sg/advance/ for full set of services, benefits and terms and conditions

Learn more about HSBC Advance

HSBC Advance Credit Cardholders Exclusive

Card Balance Transfer

With our one-time promotional rate of 1.68% p.a. for 6 months, you'll be able to enjoy greater financial freedom.

Comparison between HSBC Advance and other banks' credit card
Credit card	Fees and charges	Amount
With other banks’ credit card	Interest payable at 25%	SGD1,250
With HSBC Advance credit card	Interest payable at 1.68% Upfront processing fee waived	SGD84 SGD88 Waived

Comparison between HSBC Advance and other banks' credit card
Credit card	With other banks’ credit card
Fees and charges	Interest payable at 25%
Amount	SGD1,250

Credit card	With HSBC Advance credit card
Fees and charges	Interest payable at 1.68% Upfront processing fee waived
Amount	SGD84 SGD88 Waived

You save³ up to S$1,166, up to 93% savings.

This is an exclusive one-time promotion for new HSBC Advance credit cardholders only. All balance transfer applications under this promotion must be received by HSBC within 3 months from the card account opening date. Other balance transfer terms and conditions apply [PDF].

Learn more about balance transfer

HSBC Spend Instalment

HSBC Spend Instalment helps you manage your finances by dividing your purchases into smaller instalments of 3, 6 or 12 months at a processing fee of up to 5%.

Learn more about HSBC spend instalment

Offers and Promotions

ENTERTAINER with HSBC

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Enjoy over 1,000 complimentary 1-for-1 F&B, lifestyle and hotel offers.

Golden Village

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From SGD7 per ticket onwards at Golden Village with HSBC Movie Card.

Save on petrol

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Up to 16% instant discounts at all Caltex and Shell stations.

home&Away

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Enjoy fabulous credit and debit card offers, whether you are at home or travelling around the world.

Latest Promotion This link will open in a new window

Features

Apple Pay

Make payments in stores, in apps and on the web with your iPhone, Apple Watch, iPad and Mac with just a touch.

Visa payWave

For purchases below SGD200, simply wave your Visa payWave enabled.

SimplyGo

Skip the top-ups. Simply tap to pay your bus and train fares with HSBC Advance credit card or Apple Pay.

HSBC Virtual Card

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

Travel insurance

Enjoy peace of mind with complimentary travel insurance coverage up to SGD500,000 when you charge your travel expenses to your credit card.

Flight inconvenience insurance (PDF) View axa travel inconvenience table This link will open in a new window

Personal travel accident insurance (PDF) View axa travel accident insurance table This link will open in a new window

Eligibility & Documents

HSBC Advance credit card

To be eligible for an HSBC Advance credit card, you must meet the following requirements:

All applicants must be at least 21 years of age.
For Singaporeans or Permanent Residents (PR), a minimum annual income of SGD30,000 is required.
For self-employed and commission-based Singaporeans or PR, a minimum annual income of SGD40,000 is required.
For foreigners residing in Singapore, a minimum annual income of SGD40,000 is required.
If you do not meet the above income requirements, a minimum Fixed Deposit Collateral of SGD10,000 is required.

Supporting documents

Completed and signed Letter of Instruction (PDF)
Identification documents of primary and supplementary applicant(s)
Income documents of primary applicant

You will be required to submit these supporting documents to complete the online application form. For more information.

HSBC Advance banking

To be eligible for an HSBC Advance banking, you must meet the following requirements:

Have a salary crediting or re-occurring deposit of at least SGD3,500 per month
AND have applied for or hold a HSBC credit card

Please visit www.hsbc.com.sg/advance/ to know more about alternative eligibility criteria that can you can leverage to be eligible for HSBC Advance.

Learn more about HSBC Advance banking

Sign-up gift

For a limited time, apply for a new HSBC Advance Credit Card and you'll receive a sign-up gift from us.

Choose from a Samsonite Luggage

Prestige 69cm Spinner Exp

with built-in scale (worth SGD670)

For existing cardholders, you'll be eligible to receive SGD30 cashback.

Or cashback

SGD150

Plus, get SGD20 worth of Grab rides

when you apply online with MyInfo via SingPass

To qualify for the gift, you must charge a minimum spend of SGD800 within the qualifying spend period to your newly-approved card and fulfill the conditions set out for the offer.

For details on the defined terms used here and further details on this Promotion (such as Eligible Applicant, Qualifying Transactions, Qualifying Spend Period and applicable exclusions), please refer to the terms and conditions (PDF).

How to apply

New to HSBC credit cards?

Choose your welcome gift and apply online.

Apply for a new card with sign up gift

Already have an HSBC credit card?

If you're an existing HSBC credit cardholder, you can apply for the HSBC Advance credit card and be eligible for a SGD30 cashback sign-up bonus. You're also eligible for the Grab ride bonus. Other terms and conditions apply.

Apply for another card with sign up gift This link will open in a new window

Leave us your details

Leave us your contact details or SMS HSAPP <space> Name to 74722. We'll be in touch in 3 working days to assist with your application.

Request a call back for further enquiry This link will open in a new window

Continue your application

Submit CPF statement

Supplementary Card

Share the conveniences, benefits and privileges of HSBC credit cards with your loved ones.

Earn rewards points each time your loved ones spend on their supplementary card
Free supplementary card for life
Up to 5 supplementary cards

Refer to supplementary card application form for terms that may apply.

To be eligible for an HSBC Supplementary credit card, you must be at least 18 years of age.

Download the application form and apply now.

Download form to apply supplementary card This link will open in a new window

Or SMS HSAPP SUPP <space> Name <space> 16-digit credit card number to 74722.

Refer a friend

Get up to SGD250 worth of cashback when you refer your family and friends to HSBC credit cards.

For more details, refer to HSBC's Credit Card Referral Programme.

Refer now This link will open in a new window

Frequently asked questions

Eligible purchases means retail purchases made locally or overseas (including online transactions), and recurring bill payments. Cash back will only be awarded to eligible purchases.

The following transactions are not considered eligible purchases and will not earn cash back or be considered for computation of spend requirement: (a) cash advance; (b) balance transfers; (c) fees and charges (including finance charges, late charges, interest charges, annual fees); (d) tax payments via HSBC tax payment facility; (e) Installment Payment Plan; (f) Transactions made on brokerage/securities; (g) Transactions made on money payment/transfer websites; (h) Transactions relating to money orders, traveller's checks, gaming; (i) AXS or ATM transactions; (j) any pre-paid card top-ups including but not limited to EZ-Link, Transitlink or NETS Flashpay and (k) donations/donations-in-kind (transactions tagged with MCC 8398 - charitable and social organizations) and (l) any other transaction determined by HSBC from time to time.

In the case of HSBC Balance Conversion Plan, only the initial total purchase amount will qualify as an eligible purchase in the month of purchase. The subsequent instalment amounts will not qualify as eligible purchases.

HSBC Advance is a holistic banking relationship that allows you to manage your banking relationship and investment portfolio online, and offers you personal financing options with preferred rates on select products.

To be considered for HSBC Advance Banking, you would need to sign up and agree to meet any of the eligibility requirements listed on www.hsbc.com.sg/advance and hold a current or savings account with HSBC Singapore.

The cash back rate used for the calculation will be determined based on if there is an established Advance banking relationship on the last day of the calendar month.

E.g. if your HSBC Advance credit card was opened on 10 October but your Advance banking account was opened on 25 November, you will enjoy up to 2.5% cash back on eligible purchases for the month of October. You will enjoy up to 3.5% cashback on your purchases from November onwards.

The credit limit will be subject to the Bank's review and approval. Where you have stated a preferred credit limit, the amount which the Bank will grant may be lower than the amount you have requested.

Please note that for individuals with annual income between SGD30,000 and SGD120,000, your aggregate credit limit with HSBC for all unsecured facilities will be capped at four times your monthly income as indicated in the income documents that you submit.

Please note that because your unsecured facilities include all of your unsecured credit card, personal line of credit and personal loan, the credit limits for your unsecured credit cards, personal lines of credit and personal loans will be aggregated for the purpose of computing your maximum aggregate credit limit.

Read full FAQ about the Advance credit card

Useful Links

Regarding your application

Letter of Instruction (PDF) This link will open in a new window

Upload supporting documents This link will open in a new window

Submit CPF statement online This link will open in a new window

Retrieve your card application This link will open in a new window

Regarding the credit card

Cardholder Agreement This link will open in a new window

Fees and charges (PDF) This link will open in a new window

Email statements This link will open in a new window

MAS Policy Changes This link will open in a new window

Highlights of Charges and Terms and Conditions (PDF) This link will open in a new window

Supporting documents required for credit card application This link will open in a new window

Travel accident insurance (PDF) This link will open in a new window

Flight inconvenience insurance (PDF) This link will open in a new window

Consumer Guide for Credit Cards View consumer guide

Changes to HSBC credit card terms and conditions:

We will be revising our HSBC credit card terms and conditions to make them simpler and more easily understood. These revisions will not affect your existing rights as an HSBC credit cardholder.

These changes will take effect from 20 April 2020. For more information, please view our revised terms and conditions.

More Information

Disclaimer

¹Spend exclusions apply. For Eligible Cardholders with an HSBC Advance banking Relationship, Bonus Cash back (of 0.03%) will be applied on Eligible Purchases above $3,571. For Eligible Cardholders without an HSBC Advance banking Relationship, Bonus Cash back (of 0.03%)will be applied on Eligible Purchases above $2,800. Read the full terms and conditions.

²To qualify for the Gift, an Eligible Applicant must charge a minimum spend of SGD800 within the Qualifying Spend Period for Offer and fulfill the conditions set out for the offer. For details on the defined terms used here and further details on this promotion (such as eligible applicant, qualifying transactions, qualifying spend period and applicable exclusions), please click for full terms and conditions.

³Figures have been simplified for illustration purposes.

HSBC Advance Credit Card - Earn cashback

Get up to SGD1,500 and more cashback annually.

Features

For all customers

Exclusively for HSBC Advance customers

How cashback works?

About HSBC Advance

HSBC Advance Credit Cardholders Exclusive

Card Balance Transfer

Savings at a glance: Balance transfer amount of SGD10,000 for 6 months

HSBC Spend Instalment

Offers and Promotions

ENTERTAINER with HSBC

Golden Village

Save on petrol

home&Away

Features

Apple Pay

Visa payWave

SimplyGo

HSBC Virtual Card

Travel insurance

Eligibility & Documents

HSBC Advance credit card

Supporting documents

HSBC Advance banking

Sign-up gift

Choose from a Samsonite Luggage

Or cashback

Plus, get SGD20 worth of Grab rides

More detail

How to apply

New to HSBC credit cards?

Already have an HSBC credit card?

Leave us your details

Already made an application?

Supplementary Card

Refer a friend

Frequently asked questions

Are all purchases entitled to the cashback and computation of spend requirement?

What is an Advance banking relationship?

My HSBC Advance credit card and Advance banking account were opened on different dates. How will the cashback be calculated?

How much credit limit will I be granted?

Useful Links

Regarding your application

Regarding the credit card

More Information

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