HSBC Revolution Credit Card — Up to 4 mpd Contactless, $0 Annual Fee
HSBC Revolution Credit Card earns up to 4 mpd on dining, up to 4 mpd on shopping & online, up to 4 mpd on travel, and up to 4 mpd on transport — and up to 0.4 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 1 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| Dining | 4 mpd | 1,200 |
| Shopping & Online | 4 mpd | 2,400 |
| All other categories (base rate) | 0.4 mpd | 480 |
| Monthly miles· bonus capped | 4,080 | |
| Annual miles | 48,960 | |
Bonus-pool cap of 3,600 mi/mo binds — only bonus-rate spend is clipped; base-rate spend continues earning 0.4 mpd uncapped.
Earning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •4 mpd on Dining — Dining transactions made online or via contactless payment (excluding fast food restaurants and hotel dining).
- •4 mpd on Shopping & Online — Retail and online shopping transactions made online or via contactless payment, including department stores, marketplaces, and entertainment.
- •4 mpd on Travel — Airlines, car rentals, hotels, cruise lines, made online or via contactless payment.
- •4 mpd on Transport — Eligible ride-hailing and taxi transactions made online or via contactless payment.
- •0.4 mpd base rate on other eligible spend
- •Bonus miles capped at 3,600/mo — base spend continues earning 0.4 mpd uncapped
- •No annual fee
- Complimentary Travel Insurance
Complimentary travel insurance coverage against flight inconvenience and personal accidents of up to S$1 million for the cardholder and family when travel tickets are charged to the card.
Show conditionsHide conditions
Coverage applies when travel tickets are charged to the HSBC Revolution Credit Card.
- Visa Signature Privileges
Access to hundreds of exclusive deals, discounts and privileges under the Visa Signature platform.
- Complimentary e-Commerce Protection
Complimentary coverage for any online purchase losses or damages.
- Travel with Points
Cardholders can turn Reward points into flights, stays or car rentals instantly through the Travel with Points portal.
- Instant Miles/Points Redemption
Redeem airline miles or hotel points instantly with no fees via the HSBC Singapore app.
- Annual fee
- S$0.00
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of statement balance or S$50, whichever is greater
- Interest-free period
- 20 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$65,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
For new HSBC customers min income of S$65,000 is required. Existing HSBC customers with Total Relationship Balance (TRB) of at least S$50,000 may qualify at S$30,000 (salaried employees) or S$40,000 (self-employed/commission-based). For a secured credit card, a TRB of at least S$50,000 including a minimum fixed deposit of S$10,000 is required.
- •The annual fee is S$0, meaning there is no recurring yearly cost to hold the card.
- •Earns 4 miles per dollar (mpd) on dining, shopping & online, travel, and transport transactions made online or via contactless payment.
- •Complimentary travel insurance covers flight inconvenience and personal accidents of up to S$1 million for the cardholder and family when travel tickets are charged to the card.
- •Reward points are valid for 37 months, giving cardholders over three years to accumulate and redeem.
- •Airline miles and hotel points can be redeemed instantly with no fees via the HSBC Singapore app.
- •The 4 mpd earn rate on dining, shopping, travel, and transport applies only to transactions made online or via contactless payment; other payment methods earn the base rate of 0.4 mpd.
- •Several spend categories are excluded from earning rewards, including donations, insurance payments, education institution payments, quasi-cash/cryptocurrency transactions, and cleaning/maintenance services.
- •Foreign currency transactions carry a fee of 3.25% of the transaction amount.
- •New HSBC customers are required to have a minimum annual income of S$65,000 to be eligible for the card.
- •The interest-free period is only 20 days, and unpaid balances are subject to a purchase interest rate of 27.8% per annum.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the HSBC Revolution Credit Card.
- •Donations
- •Quasi-cash transactions (including cryptocurrency transactions)
- •Payments to education institutions
- •Cleaning, maintenance and janitorial services
- •Insurance company payments
The information above is a summary and may be incomplete or outdated. Always refer to HSBC's official terms and conditions for the authoritative version.
About the HSBC Revolution Credit Card
The HSBC Revolution Credit Card earns 4 mpd on dining, 4 mpd on shopping & online, and 4 mpd on travel, with a 0.4 mpd base rate on other eligible spend. There is no annual fee. Terms and conditions apply.
Miles breakdown
The HSBC Revolution Credit Card earns 4 mpd on dining, 4 mpd on shopping & online, 4 mpd on travel, and 4 mpd on transport, plus 0.4 mpd on other eligible spend.
Where this card earns the most
The HSBC Revolution Credit Card earns the most on dining, shopping & online, and travel. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
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Frequently asked questions
Is the HSBC Revolution Credit Card worth it?
The HSBC Revolution Credit Card earns 0.4 mpd on general spend and up to 4 mpd on dining and 4 mpd on shopping & online, with no annual fee. Bonus miles are capped at 3,600 per month. Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the HSBC Revolution Credit Card for?
The HSBC Revolution Credit Card suits frequent diners, online shoppers, daily commuters, and those who want a card with no annual fee — it earns 4 mpd on dining, 4 mpd on shopping & online, and 4 mpd on transport. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
How many miles does the HSBC Revolution Credit Card earn?
The HSBC Revolution Credit Card earns 4 mpd on dining, 4 mpd on shopping & online, and 4 mpd on travel, with 0.4 mpd on other eligible spend.
Is there an annual fee?
No. The HSBC Revolution Credit Card has no annual fee.
How does miles redemption work?
The HSBC Revolution Credit Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Do miles from the HSBC Revolution Credit Card expire?
Yes. Miles earned on the HSBC Revolution Credit Card are valid for 37 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 1 Jul 2026, not guarantees of future earning. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
HSBC governing terms: Official terms (PDF)