HSBC Advance CashBack Credit Card Singapore

Product image of HSBC Advance Credit Card.

Earn over SGD4,000 cashback annually

Maximise your spend with up to 3.5% cashback¹ - no minimum spend required.

Apply now for a HSBC Advance Credit Card.

Let us call you back to leave us your details. This link will open in a new window

Check Eligibility here

Receive a sign-up gift, totally on us: Be rewarded with up to SGD200 cashback when you spend on your card. Terms and conditions apply. Find out more.

At a glance

Get up to 2.5% Base Cashback² on purchases
1% Bonus Cashback³ if you're an HSBC Everyday Global Account holder and meet the monthly criteria
1-year annual credit card fee waiver

A simple way to earn higher cashback

Two women checking on mobile and carrying lots of shopping bags.

Here's how you can earn up to 3.5% cashback¹
Monthly spend	Base Cashback²	Maximum cashback per calendar month(cap)
SGD2,000 and below	1.5% cashback	SGD70
Above SGD2,000	2.5% cashback	SGD70

Here's how you can earn up to 3.5% cashback¹
Monthly spend	SGD2,000 and below
Base Cashback²	1.5% cashback
Maximum cashback per calendar month(cap)	SGD70

Monthly spend	Above SGD2,000
Base Cashback²	2.5% cashback
Maximum cashback per calendar month(cap)	SGD70

Earn 1% Bonus Cashback³ when you:

Deposit a minimum of SGD2,000 in fresh funds to your HSBC Everyday Global Account monthly; and
charge 5 transactions to your HSBC Advance Credit Card monthly
Maximum cashback per calendar month at SGD300

How does HSBC Everyday Global Account work?

Everyday banking all-in-one account - enjoy preferential interest rates on your SGD balances
One account with 11 different currencies
Supports FAST transfer, Worldwide funds transfer, Global Transfers and PayNow

Visit here for more details.

Unlock more rewards and privileges when you spend

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

Discover over 1,000 amazing worldwide 1-for-1 offers on dining, leisure attractions, hotels and wellness. Look forward to exciting offers at your favourite restaurants, including Fat Cow, The Marmalade Pantry, Hoshino Coffee and many more.
Plus, enjoy 25% off your total bill at Express merchants for takeaways and casual dining.

Find out more about the entertainer page This link will open in a new window

The HSBC Singapore app - the easiest way to manage your card

Discover all the ways you can easily manage your card.

Activate card for both you and your supplementary cardholders.
Access your card details for online purchases and add them to Mobile Wallet for instant usage, even after you have reported card as lost.
Keep track of your spending with real time transaction updates.
View eStatements of up to the last 12 months.
Apply for Spend Instalment and pay for your purchases via instalments.

Download app now view Mobile banking page

Holding mobile with the HSBC Singapore app.

A group of friends gathering in a Japaneses restaurant.

Enjoy unrivalled access with 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 about Visa Signature page 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

Find out more about Visa Concierge page This link will open in a new window

Father and daughter looking at mobile phone

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.

Find out more about AIG eCommerce purchase protection This link will open in a new window

Things to know

Our Live Chat service is available on weekdays from 8.30am to 10.00pm and weekends, including Public Holidays, from 10.00am to 10.00pm, to assist you with any queries you may have on HSBC Advance Credit Card. For any further queries, you may contact us via 1800 HSBC NOW (4722 669).

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:

All applicants must be at least 21 years of age

Meet the following 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

Meet the following 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

Sign-up gifts

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

Receive

SGD30 cashback

when you apply with Myinfo via Singpass

Plus

SGD50 cashback

by simply making one qualifying transaction of any amount

Plus

SGD120 cashback

when you spend at least SGD500

Existing HSBC credit cardholders will be eligible to receive up to SGD60 cashback.

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.

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.

How to apply

New to HSBC credit cards?

Choose your sign-up gift and apply online.

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 SGD30 cashback when you apply for the HSBC Advance Credit Card. And that's not all - you'll also receive an additional SGD30 cashback when you apply with Myinfo via Singpass.

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

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

HSBC credit card promotions

Dining deals

This link will open in a new window

Embark on a culinary journey and enjoy 1-for-1 deals and more at over 200 restaurants.

Online offers

This link will open in a new window

Enjoy exciting deals on your online purchases and food deliveries.

Other promotions

This link will open in a new window

Discover new privileges and experiences with more offers on entertainment, hotel stays, leisure, and wellness.

HSBC credit card features and services

Spend Instalment Plan

Manage your finances by dividing your purchases into smaller instalments.

Balance Transfer

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 cardholders⁴.

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.

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.

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) This link will open in a new window

Personal Travel Accident Insurance (PDF) This link will open in a new window

Refer a friend

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

Refer a friend today to learn more about refer a friend

HSBC's Credit Card Referral Programme Terms and Conditions This link will open in a new window

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.

Things you should know

Disclaimer

¹HSBC Advance Credit Card Cashback Programme terms and conditions apply. Click here for more details.

²Spend 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.

³Spend exclusions apply. Eligible Cardholders who have met the two qualifying criteria in that calendar month, shall receive a Cashback equal to 1% of the amount spent on Eligible Purchases for that calendar month. The total Cashback that an Eligible Cardholder can receive under this Clause ("1% Bonus Cashback") is capped at SGD300 per calendar month.

⁴All balance transfer applications under this promotion must be received by HSBC within 3 months from the card account opening date.

HSBC Advance Credit Card - Earn cashback

Earn over SGD4,000 cashback annually

At a glance

A simple way to earn higher cashback

Earn 1% Bonus Cashback3 when you:

How does HSBC Everyday Global Account work?

Unlock more rewards and privileges when you spend

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

The HSBC Singapore app - the easiest way to manage your card

Enjoy unrivalled access with Visa Signature

Visa Concierge

e-Commerce Purchase Protection

Things to know

Related documents

Other related information

Who can apply?

All applicants must be at least 21 years of age

See what you need to apply

Sign-up gifts

Receive

SGD30 cashback

Plus

SGD50 cashback

Plus

SGD120 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?

Frequently asked questions

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

What will my credit limit be?

HSBC credit card promotions

Dining deals

Online offers

Other promotions

HSBC credit card features and services

Spend Instalment Plan

Balance Transfer

SimplyGo

Apple Pay

Google PayTM

Visa payWave

Virtual Card

Travel insurance

Refer a friend

Get a supplementary card

Things you should know

Disclaimer

You might be interested in

HSBC Everyday Global Account

HSBC Premier Mastercard® Credit Card

Earn 1% Bonus Cashback³ when you:

Google Pay^TM