HSBC Revolution Card is great for social spenders who shop online and prefer to avoid annual fees. In addition to offering 2 miles per S$1 spend on local dining and entertainment, plus online spend (including travel bookings, bills, and EZ-Link payments), this card also waives its S$160.5 annual fee with every $12,500 annual spend. All else–including overseas spend–earns 0.4 miles, so HSBC Revolution Card is best for social and online spenders with budgets of S$1,000+ per month.
What Makes HSBC Revolution Card Stand Out
HSBC Revolution Card offers consumers an easy way to maximise rewards for local social spend and online shopping without paying a high annual fee. Cardholders earn an unlimited 2 miles per S$1 spend on local dining and entertainment, as well as for online spend including travel bookings, recurring bills, and transit payments. The rewards rate for online transit Top-Ups is capped at 400 miles/month, however.
While consumers can quickly earn miles from HSBC Revolution Card's dining, entertainment, and online rewards rates, all other categories–including overseas–receive just 0.4 miles per S$1 spend. Despite offering access to lifestyle and travel discounts, HSBC Revolution Card is not the best fit for diversified spenders or frequent travellers.
Individuals who shop online and go out locally are most likely to benefit from HSBC Revolution Card, especially if they spend at least S$1,050/month. At this rate, approximating S$12,500 in annual spend, cardholders are exempt from the S$160.5 annual fee (which is already waived the first 2 years). Consumers who align with these criteria can quickly earn miles with HSBC Revolution Card.
How Does HSBC Revolution Card's Rewards Program Work?
Use our quick guide below to learn how you can redeem HSBC Revolution Card rewards.
- Spend earns Rewards Points (redeemable as vouchers, miles or cash credit)
- Cash credits can be redeemed in blocks of S$50 and S$100
- Cardholders must pay an annual fee of S$40 to partake in Mileage Programme (Asia Miles & KF)
- Points can be redeemed for miles through Mileage Programme in blocks of 5,000 Points for 2,000 miles
- Points expire 3 years after they are earned
HSBC Revolution Card's Features and Benefits:
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HSBC Revolution Card Rewards Exclusions
The following credit card expenditures are ineligible for cash back or rebate.
How does HSBC Revolution Card Compare Against Other Cards?
Read our comparisons of HSBC Revolution Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.
HSBC Revolution Card v. Citi PremierMiles Visa Card
Casual travellers with diversified spend can benefit from Citi PremierMiles Visa Card. Citi PMV Card incentivizes overseas spend with 2 miles per S$1 (compared to 0.4 miles with HSBC Revolution Card) and offers travel perks like free travel insurance and airport lounge access. Its 1.2 miles per S$1 local spend rate is also higher than HSBC Revolution Card's. However, the card's S$192.6 fee is waived 1-year only, and local spenders with social spend behaviors could potentially earn more with HSBC Revolution Card.
HSBC Revolution Card v. OCBC Titanium Rewards Card
Fashion retail shoppers can avoid annual fees with OCBC Titanium Rewards Card, which rewards 4 miles per S$1 shopping spend on clothes, shoes, bags, and more online and offline, locally and overseas. While HSBC Revolution Card offers less for offline shopping spend, it rewards a wider variety of online spend, from travel bookings to EZ-Link top-ups (though at 2 miles per S$1 spend). Like HSBC Revolution Card, OCBC Titanium Rewards has a waivable fee, but with a lower required annual spend (S$10,000). For fashionistas, OCBC Titanium Rewards Card may be the better option.
HSBC Revolution Card v. Maybank Horizon Visa Signature Card
Maybank Horizon Visa Signature Card is a great fit for local diners and frequent travellers, offering up to 3.2 miles per S$1 spend on local dining, petrol and taxi fares and 2 miles for air tickets, travel packages and overseas spend. These rates are higher than HSBC Revolution Card's, but require a S$300 minimum monthly spend. In addition, earnings are capped at 12,000 miles/month, but this is fairly high. Both cards have waivable fees but Maybank Horizon Visa Signature Card requires a higher annual spend (S$18,000). Ultimately, this card benefits travellers while HSBC Revolution Card prioritises local spending.
HSBC Revolution Card v. DBS Altitude Visa Card
Consumers spending closer to S$2,100 per month can earn more for diversified spend with DBS Altitude Visa Card. While the annual spend requirement for a fee waiver is high at S$25,000, consumers earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. Cardholders also receive free travel insurance, airport lounge visits, golfing discounts and more. HSBC Revolution Card is by comparison a bit limited and offers less to travellers. However, its annual fee is waived with just S$12,500 in annual spend, making it more accessible to some consumers.