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HSBC Advance Credit Card

Life's more rewarding with a cashback credit card, and HSBC Advance Credit Card is one of the very best in town.

Generous savings of over SGD4,000 annually

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

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

1%

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.

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.

HSBC Singapore app

Discover all the ways you can easily manage your card.

ENTERTAINER with HSBC

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

Travel Companion

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

Travel Insurance

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

Other promotions

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

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.

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.

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.

Manage your finance with greater control

 

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.

 

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

 
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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.

 

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.

 

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

Other features

 

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

 
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.

 

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

 

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

 

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.

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.

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

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.

How to apply

New to HSBC credit cards?

Apply online in just a few easy steps and receive your 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.

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.

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

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.

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