HSBC Advance CashBack Credit Card Singapore

Generous savings of over SGD4,000 annually

Maximise your spend with up to 3.5% cashback - simple and hassle free, no minimum spend required

Apply now for a HSBC Advance Credit Card.

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Check Eligibility here

Receive a sign-up gift, totally on us: Choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale worth SGD670 or SGD200 cashback. Plus, get up to SGD150 cashback when you apply for supplementary cards for your loved ones. Terms and conditions apply.

At a glance

Get up to 2.5% Base Cashback¹ on local and overseas purchases
Earn additional 1% HSBC Everyday+ Cashback² with your HSBC Everyday Global Account
1-year annual credit card fee waiver

Here's how to enjoy over SGD4,000 cashback annually

Up to 3.5% cashback

Up to

2.5%

Base Cashback¹

Spend on your HSBC Advance Credit Card and get up to 2.5% Base Cashback¹ on all your local and overseas purchases each calendar month:

1.5% with no minimum spend
2.5% when you spend above SGD2,000

Base Cashback is capped at SGD70 per calendar month.

Earn

HSBC Everyday+ Cashback²

Get additional 1% cashback² on all your credit card spending with HSBC Everyday+ rewards programme when you:

Step 1: Save

Deposit fresh funds of minimum SGD2,000 (or SGD5,000 for HSBC Jade and Premier customers) into your HSBC Everyday Global Account each calendar month.

Step 2: Transact

Perform a minimum of 5 Eligible Transactions³ each calendar month.

Additional 1% HSBC Everyday+ Cashback is capped at SGD300 (or SGD500 for HSBC Jade and Premier customers) per calendar month.

Exclusive bundle deal: Enjoy SGD200 cashback and a Samsonite Prestige 69cm Spinner Exp with built-in scale worth SGD670, or up to SGD400 cashback when you sign up for an HSBC credit card and the HSBC Everyday Global Account. T&Cs apply.

Find out more click here to view more details about personal banking

Enjoy up to 3.5% cashback on everything and anywhere you spend!

From your wedding, to decorating your new home, or to your next big getaway, shape your goals whilst earning up to 3.5% cashback with HSBC Advance Credit Card.

Here's some examples on how you maximum the benefits.

Shopping

Shop till you drop with deals and offers for both online and in-store purchases. Plus enjoy added peace of mind with complimentary coverage for your online purchase losses or damages.

Dining

Tease your palate with dining deals at restaurants across Singapore and overseas, and exclusive 1-for-1 offers on the ENTERTAINER with HSBC app.

Travel

Enjoy one of the lowest FX administrative fee of 2.8% when you spend overseas. Plus, enjoy complimentary travel insurance coverage, and the best deals on hotels, flights and packages for your next holiday destination.

Education

Inject some excitement into your life by learning something new. Level up your professional skills, learn a new language, or get started on a passion project with the newfound knowledge.

Wedding

Save on your wedding expenses such as wedding banquet, bridal package and more with cashback on wedding-related payment.

Home

Renovating or refurnishing your home with the latest tech gadgets, appliances and furniture? Save more with our exciting deals.

Below is an illustration on eligible purchases in a calendar month.
Credit card transactions	Total Eligible Purchases	2.5% Base Cashback¹	1% HSBC Everyday+ Cashback²
Dining bill	300	7.50	3.00
Petrol	350	8.75	3.50
Groceries bill	166.67	4.17	1.67
Air tickets	1,800	45	18
Total	2,616.67	65.42	26.17

Below is an illustration on eligible purchases in a calendar month.
Credit card transactions	Dining bill
Total Eligible Purchases	300
2.5% Base Cashback¹	7.50
1% HSBC Everyday+ Cashback²	3.00

Credit card transactions	Petrol
Total Eligible Purchases	350
2.5% Base Cashback¹	8.75
1% HSBC Everyday+ Cashback²	3.50

Credit card transactions	Groceries bill
Total Eligible Purchases	166.67
2.5% Base Cashback¹	4.17
1% HSBC Everyday+ Cashback²	1.67

Credit card transactions	Air tickets
Total Eligible Purchases	1,800
2.5% Base Cashback¹	45
1% HSBC Everyday+ Cashback²	18

Credit card transactions	Total
Total Eligible Purchases	2,616.67
2.5% Base Cashback¹	65.42
1% HSBC Everyday+ Cashback²	26.17

Total Cashback: SGD 91.59

Note: Transactions are in SGD based on posted date.

Unlock more rewards and privileges

HSBC Everyday Global Account

HSBC Everyday Global Account is perfect for day‑to‑day banking in Singapore and globally.

A multi-currency account that meets your transactional needs in up to 11 different currencies
Real-time exchange rates with Online GetRate
Supports FAST transfer, Worldwide funds transfer, Global Transfers, PayNow and GIRO

Visit here for more details.

HSBC Singapore app

Discover all the ways you can easily manage your card.

Activate card for both you and your supplementary cardholders.
Access your card details even before receiving the physical card.
Add Apple Pay/Google Pay for quick and convenient payments.
Check transactions in real time and keep track of your spend.
View eStatements of up to last 12 months.
Temporarily block your card to prevent unauthorised transactions.
Apply for Spend Instalment and pay for your purchases via instalments.

Visit here to download app now.

ENTERTAINER with HSBC

Unlock over 1,000 amazing deals with ENTERTAINER with HSBC app.

Discover over 1,000 amazing worldwide 1-for-1 and more offers on dining, leisure attractions, hotels and wellness. Look forward to exciting offers at your favourite restaurants, including Sakae Sushi, The Coffee Academics, Brotzeit German Bier Bar & Restaurant and many more.
Plus, enjoy 25% off your total bill at Express merchants for takeaways and casual dining.

Visit here for more details.

Travel Companion

Planning to travel? But first, check out the latest travel and health restrictions for your trip.

Real-time COVID-19 restrictions and travel requirements
Latest quarantine protocols
COVID-19 test booking (if required)

Visit here for more details.

Travel Insurance

Receive complimentary travel insurance coverage⁴ of up to SGD500,000 for you and your family.

Charge the full cost of your air ticket to your HSBC Advance Credit Card and enjoy travel insurance coverage against flight inconvenience and personal accident.

Read the policy in detail.

Other promotions

Discover new privileges and experiences with offers on dining deals, online purchases, hotel stays and more.

Find out more This link will open in a new window

Visa Signature

Unlock your gateway to hundreds of exclusive deals, discounts and privileges.

Download the Visa Digital Concierge app for quick access to world class services and privileges.

Find out more click here to view more details about Visa Signature This link will open in a new window

Visa Concierge

A 24/7 digital personal assistant and lifestyle guide providing access to extraordinary experiences every day through a curated range of services, amenities and exclusive privileges.

Customers can make the most of:

seamless reservations for dining and staycations
recommendations for local activities and attractions
virtual events and outdoor experiences
assistance across healthcare, business and lifestyle services and much more

Visit here for more details.

e-Commerce Purchase Protection

Enjoy added peace of mind with coverage up to USD200 per year for your online purchase loss or damage, made from any merchant globally.

This includes:

non-delivery of purchased item after 30 days of scheduled delivery
wrong or incomplete delivery of purchased item
physical damage to the delivered item at time of delivery

AIG eCommerce Purchase Protection is brought to you by Visa.

Visit here for more details.

Manage your finance with greater control

HSBC Spend Installment

Buy first, pay later with HSBC Spend Instalment where you can combine multiple transactions (minimum SGD500 in total) into one instalment plan, and spread repayments up to 12 months, absolutely interest-free.

Card Instalment Plan

Enjoy flexibility with our instalment payment plan for your purchases of minimum SGD500 over 6, 12 and 24 month interest free.

PayLater

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Split your purchases from as low as SGD50 into instalments at 0% interest over 3 to 24 months at your preferred pace.

Balance Transfer

Get extra cash at a one-time preferential rate of 1.68% p.a. for 6 months with no processing fee, exclusively for new HSBC Advance credit cardholders⁵.

Credit Limit Review

Enjoy greater financial flexibility on your spending needs with an increased credit limit.

Other features

Apple Pay

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

Google Pay^TM

to learn more about Google Pay

A fast, simple and secure payment method that allows you to speed through checkout in stores, in apps and online with your Android device.

Visa payWave

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

Virtual Card

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

SimplyGo

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

See other credit cards features click here to view more details

Important information and links

Our Web Chat service is available daily from 09:00 to 21:00 to assist you with any queries you may have on HSBC Advance Credit Card. For any further queries, you may contact us via 1800-227 6868 or +65 6227 6868.

Regarding the credit card

Credit limit

Your credit limit is subject to our review and approval. Where you've stated a preferred credit limit, the amount we grant may be lower than what you requested.

Finance charges

The finance charge is levied on the amount withdrawn from the day the transaction is posted to your account until the date the payment is made in full or the next statement date, whichever is earlier.

Effective rate: 25.9% p.a. (minimum)

Minimum charge: SGD2.50

Annual fee

Your annual fee is waived for the first year from your card's issue date. From year 2 onwards, the annual fee will be waived if you spend more than SGD12,500 per year.

Please note that moving forward, the perpetual annual credit card fee waiver will cease for HSBC Advance, Premier and Jade banking customers who have their HSBC Advance Credit Card approved before 1 October 2020. To help ease you through this transition, you will enjoy an extended waiver of your annual credit card fee for the next 2 card anniversaries. Thereafter, annual credit card fee will be charged at SGD192.60 (inclusive GST).

For existing HSBC Premier or Jade banking customers you will need to maintain your banking relationship with us in order to enjoy this waiver. For existing HSBC Advance banking customers, you will need to maintain your banking relationship under the refreshed HSBC Personal Banking experience in order to enjoy this waiver. In the event, you exit your banking relationship with us, the annual credit card fee will be charged.

Who can apply?

To be eligible for an HSBC credit card, you need to:

Be at least 21 years of age
Meet the following annual income requirements

Details for annual income requirements
Status	Minimum Annual Income
Singaporeans or Permanent Resident-Salaried	SGD30,000
Singaporeans or Permanent Resident - Self-employed or Commission based income	SGD40,000
Foreigners residing in Singapore	SGD40,000

Details for annual income requirements
Status	Singaporeans or Permanent Resident-Salaried
Minimum Annual Income	SGD30,000

Status	Singaporeans or Permanent Resident - Self-employed or Commission based income
Minimum Annual Income	SGD40,000

Status	Foreigners residing in Singapore
Minimum Annual Income	SGD40,000

If you do not meet the above income requirements, a minimum Fixed Deposit Collateral of SGD10,000 is required

Apply using Myinfo via Singpass and save the hassle to provide supporting documents.

Alternatively, prepare the following supporting documents with your application.

ID documents of primary and supplementary applicant(s)
Income documents of primary applicant

What documents are acceptable? (PDF) View acceptable supporting documents in PDF format. Download

Redeem a sign-up gift

Receive a sign-up gift from us.

Spend at least SGD500 on your new credit card and choose from:

Samsonite Prestige 69cm Spinner Exp with built-in scale worth SGD670

OR SGD200 cashback

Plus

Get up to SGD150 cashback

when you apply for supplementary cards

Existing HSBC credit cardholders will be eligible to receive SGD50 cashback.

Primary Card

To qualify for the gift, you must meet the spend requirement within the qualifying spend period and fulfill the conditions set out for the offer. You must also agree to receive marketing updates and promotional materials from HSBC at the time of submitting your card application and must not cancel this agreement before receiving the gift.

For details on the terms used here and more information on this promotion (such as eligibility, qualifying transactions, qualifying spending period and exclusions), refer to the terms and conditions for the HSBC credit card sign-up promotion.

Supplementary card

Receive SGD30 cashback for each supplementary card. The supplementary card offer is capped at 5 supplementary cards and a minimum of 1 qualifying transaction needs to be made to each supplementary card. Please refer to full terms and conditions.

How to apply

New to HSBC credit cards?

Apply online in just a few easy steps and receive your sign-up gift.

Apply for a new card will sign up gift

Already have an HSBC credit card?

If you're an existing HSBC credit cardholder, you're eligible for SGD50 cashback when you apply for the HSBC Advance Credit Card.

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 to leave us your details. This link will open in a new window

Continue your application

Resume your application via the link in the SMS and/or email we have sent to you. To receive the link again, call us at 1800 4722 669.

Upload your supporting documents on the document upload page

Get a supplementary card

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

Earn cashback for spend made on the supplementary cards
Up to five supplementary cards, free for life
Supplementary cardholders must be at least 18 years old

^{Terms and conditions apply.}

SMS HSAPP SUPP <space> Name <space>
NRIC to 74722 to apply.

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.

In the case of HSBC Spend Instalment, 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.

Other terms and conditions apply. Please refer to Terms and Conditions here.

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.

See all FAQs about advance credit card faqs This link will open in a new window

Things you should know

Disclaimer

¹Spend exclusions apply. Eligible Cardholders who spend up to SGD2,000 in a calendar month on Eligible Purchases shall receive a Cashback equal to 1.5% of the amount spent on Eligible Purchases for that calendar month. Eligible Cardholders who spend more than SGD2,000 in a calendar month shall receive a Cashback equal to 2.5% of the amount spent on Eligible Purchases for that calendar month. The total Cashback that an Eligible Cardholder can receive under this Clause ("Base Cashback") is capped at SGD70 per calendar month. Other terms and conditions apply. Find out more.

²HSBC Everyday+ Rewards Programme T&Cs apply. Find out more.

³Eligible transactions refer to posted transactions in SGD made with HSBC credit cards and/or HSBC Everyday Global Debit Card, GIRO bill payments in SGD made via HSBC Everyday Global Account and/or fund transfers from HSBC Everyday Global Account to a non-HSBC account.

⁴Travel Insurance coverage is underwritten by AXA Insurance Pte Ltd. HSBC is not the underwriter nor the distributor for this insurance plan. It is not an obligation of, deposit in or guaranteed by HSBC Bank (Singapore) Limited (Company Registration No. 201420624K).

⁵All balance transfer applications under this promotion must be received by HSBC within 3 months from the card account opening date.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD75,000, in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

HSBC Advance Credit Card

Generous savings of over SGD4,000 annually

At a glance

Here's how to enjoy over SGD4,000 cashback annually

Enjoy up to 3.5% cashback on everything and anywhere you spend!

Shopping

Dining

Travel

Education

Wedding

Home

Unlock more rewards and privileges

HSBC Everyday Global Account

Find out more

HSBC Singapore app

Find out more

ENTERTAINER with HSBC

Find out more

Travel Companion

Find out more

Travel Insurance

Find out more

Other promotions

Visa Signature

Visa Concierge

Find out more

e-Commerce Purchase Protection

Find out more

Manage your finance with greater control

HSBC Spend Installment

Card Instalment Plan

PayLater

Balance Transfer

Credit Limit Review

Other features

Apple Pay

Google PayTM

Visa payWave

Virtual Card

SimplyGo

Important information and links

Related documents

Other related information

Who can apply?

See what you need to apply

Redeem a sign-up gift

Spend at least SGD500 on your new credit card and choose from:

Samsonite Prestige 69cm Spinner Exp with built-in scale worth SGD670

Plus

Get up to SGD150 cashback

More details

How to apply

New to HSBC credit cards?

Already have an HSBC credit card?

Leave us your details

Already made an application?

Get a supplementary card

Frequently asked questions

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

What will my credit limit be?

Things you should know

Disclaimer

Deposit Insurance Scheme

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