Benefits of Advance Cash Back Credit Card

Product image of HSBC Advance Credit Card.

Get up to S$1,500 cashback annually.

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

Check Eligibility for HSBC Advance Visa Platinum Card

Apply now for a HSBC Advance Credit Card

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 supplemenary credit card(s)

Sign Up gift

Sign up now

Choose from a Samsonite T5 68cm Spinner with built-in scale worth S$560 or S$150 cash back²
Plus, complete your online application with MyInfo via SingPass by 31 May 2019 and get additional S$20 worth of Grab rides

How cashback works?

Enjoy up to

3.5% cashback

across all spend categories.

Get 1.5% cashback on all purchases when you spend S$2,000 and below, from first dollar up
Get 2.5% cashback on all purchases when you spend above $2,000, from first dollar up
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 S$2,000	3.5%	2.5%
S$2,000 & below	2.5%	1.5%
Cashback cap per calendar month	S$125	S$70

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 S$2,000
Cashback for Advance banking customers	3.5%
Cashback for non-Advance banking customers	2.5%

Spend per calendar month	S$2,000 & below
Cashback for Advance banking customers	2.5%
Cashback for non-Advance banking customers	1.5%

Spend per calendar month	Cashback cap per calendar month
Cashback for Advance banking customers	S$125
Cashback for non-Advance banking customers	S$70

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%	S$1,250
With HSBC Advance credit card	Interest payable at 1.68% Upfront processing fee waived	S$84 S$88 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	S$1,250

Credit card	With HSBC Advance credit card
Fees and charges	Interest payable at 1.68% Upfront processing fee waived
Amount	S$84 S$88 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

Card Balance Conversion Plan

HSBC Card Balance Conversion Plan helps you manage your finances by dividing your purchases into smaller instalments.

For a limited time only, HSBC Advance credit cardholders enjoy a fee waiver on processing fee (usually up to 5%), for 3-, 6- or 12-month instalment periods.

Learn more about Card Balance Conversion Plan

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 S$7 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

for advance credit cardholders

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 advance credit cardholders This link will open in a new window

For purchases below S$100, simply wave your Visa payWave enabled credit card in front of a secured reader and go.

Travel Insurance Coverage

for advance credit cardholders This link will open in a new window

Enjoy peace of mind with complimentary travel insurance coverage of up to S$300,000 when you charge your travel expenses to HSBC Advance credit card.

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 and permanent residents, a minimum annual income of S$30,000 is required.
For foreigners, a minimum annual income of S$40,000 is required.
If you do not meet the above income requirements a minimum Fixed Deposit Collateral of S$10,000 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 S$3,500 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

Apply Now

Apply online

Apply online now to take full advantage of the HSBC Advance Credit Card offers available.

You can also apply for an Advance banking account at the same time to start earning up to 3.5% cashback.

Existing HSBC Credit Cardholder for HSBC Advance Visa Platinum Card Non-HSBC credit cardholders

Upload your 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

Leave us your details

To find out more, leave us your contact details and our Wealth Manager will be in touch with you within 3 working days.

Contact me This link will open in a new window

You can also call your Relationship Manager directly, or contact us through our telephone banking hotline at:

1800 - HSBC NOW (4722 669)

If you are overseas, please call (65) 6-HSBC-NOW (4722 669)

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

Terms and conditions 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> NRIC to 74722.

Refer a friend

Get up to S$250 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 S$30,000 and S$120,000, 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 Insurance This link will open in a new window

More Information

Disclaimer

¹Spend exclusions apply. Cashback is capped at S$70 per calendar month. For HSBC Advance banking customers, cashback is capped at S$125 per calendar month. Read the full terms and conditions.

²To qualify for the Gift, an Eligible Applicant must charge a minimum spend of S$800 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 S$1,500 cashback annually.

Features

For all customers

Exclusively for HSBC Advance customers

Sign Up gift

Sign up now

How cashback works?

About HSBC Advance

HSBC Advance Credit Cardholders Exclusive

Card Balance Transfer

Savings at a glance: Balance transfer amount of S$10,000 for 6 months

Card Balance Conversion Plan

Offers and Promotions

ENTERTAINER with HSBC

Golden Village

Save on petrol

home&Away

Features

Apple Pay

Visa payWave

Travel Insurance Coverage

Eligibility & Documents

HSBC Advance credit card

Supporting documents

HSBC Advance banking

Apply Now

Apply online

Leave us your details

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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