HSBC Advance CashBack Credit Card Singapore

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 SGD30 worth of Grab rides when you apply online with MyInfo via Singpass. Find out more

At a glance

For all customers

Get up to 2.5% cashback¹
First year annual fee waiver

Exclusively for HSBC Advance Banking* customers

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

*Please refer to "About HSBC Advance Banking" and "Frequently asked questions" for details.

Take a closer look

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Get up to 2.5% cashback on all purchases¹

All customers can earn up to 2.5% cashback on all purchases, across spend categories. Plus, there's no minimum spend requirement; you will earn cashback from the first dollar spent.

With the HSBC Advance Credit Card you will get:

1.5% cashback on all purchases when you spend SGD2,000 and below
2.5% cashback on all purchases when you spend above SGD2,000

HSBC Advance customers earn up to 3.5% cashback¹

HSBC Advance customers enjoy an exclusive additional 1% cashback, to earn up to 3.5% cashback on all spending.

Cashback breakdown for customers
Spend per calendar month	Cashback for Advance banking customers	Cashback for non-Advance banking customers
Above SGD2,000	3.5% + bonus cashback	2.5% + bonus cashback
SGD2,000 & below	2.5%	1.5% Bonus cashback
Cashback in a calendar month	Up to SGD125 + bonus cashback	Up to SGD70 + bonus cashback

Cashback breakdown for customers
Spend per calendar month	Above SGD2,000
Cashback for Advance banking customers	3.5% + bonus cashback
Cashback for non-Advance banking customers	2.5% + bonus cashback

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

Spend per calendar month	Cashback in a calendar month
Cashback for Advance banking customers	Up to SGD125 + bonus cashback
Cashback for non-Advance banking customers	Up to SGD70 + bonus cashback

Two women changing outfits in a boutique.

A group of friends gathering in a Japaneses restaurant.

Access to Visa Signature Privileges

Discover hundreds of deals, discounts and privileges and more.

Complimentary upgrades and other VIP privileges at participating luxury boutiques hotels and resorts via the Visa Luxury Hotel Collection
Discounts and complimentary perks at participating retail and dining establishments worldwide

Get access to world class service and privileges, through Visa Digital Concierge. Download the Visa Concierge app to get started.

Visit www.visa.com.sg/signature for the full list of offers.

About HSBC Advance Banking

HSBC Advance Banking 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

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 apply for HSBC Advance

Things to know

Updates regarding HSBC credit card rewards and cashback programmes: We are updating the categories of qualifying and eligible transactions in the terms and conditions applicable to our rewards and cashback programmes with effect from 1 July 2020. Please refer to https://www.hsbc.com.sg/help/important-notices/ for further details.

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.

HSBC Advance banking customers enjoy perpetual annual fee waiver.

Who can apply?

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

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.

Choose from 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 SGD30 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 sign-up gift and apply online.

Apply for a new card for details

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

Retrieve your application

Upload your supporting documents

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 -HSBC Advance Credit Card Cash Back Programme.

HSBC Advance Banking 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.

See all FAQs about HSBC credit cards.

HSBC card promotions

Important notice: Please visit the respective merchants websites or contact them to confirm their operating hours.

ENTERTAINER with HSBC

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

Online offers

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Shop in comfort and enjoy great discounts for your online shopping and food deliveries with your HSBC Advance Credit Card.

Dining deals

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Enjoy up to 50% discount on dining with your HSBC Advance Credit Card.

Credit card promotions

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Discover new privileges and experiences with over 200 dining, travel and lifestyle offers with your credit card.

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HSBC 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 Advance credit cardholders².

SimplyGo

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

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.

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 This link will open in a new window

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

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

²All 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

Get up to SGD1,500 and more cashback annually

At a glance

For all customers

Exclusively for HSBC Advance Banking* customers

Take a closer look

Get up to 2.5% cashback on all purchases1

HSBC Advance customers earn up to 3.5% cashback1

See the full cashback breakdown

Access to Visa Signature Privileges

About HSBC Advance Banking

Eligibility for HSBC Advance banking

Things to know

Related documents

Other related information

Who can apply?

See what you need to apply

Sign-up gifts

Choose from Samsonite luggage

Prestige 69cm Spinner Exp

Or cashback

SGD150

Plus, get SGD30 worth of Grab rides

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 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?

What will my credit limit be?

HSBC card promotions

ENTERTAINER with HSBC

Online offers

Dining deals

Credit card promotions

HSBC card features and services

Spend Instalment Plan

Balance Transfer

SimplyGo

Apple Pay

Visa payWave

Virtual Card

Travel insurance

Refer a friend

Get a supplementary card

Things you should know

Disclaimer

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