HSBC Revolution — Zero Fees, 4 mpd on Online & Contactless
A powerful starter category card with absolutely no annual fee, earning 4 mpd on selected online purchases and offline contactless payments (capped at S$1k per category).
HSBC Revolution Card
HSBC
Annual Fee
S$0
Minimum Income
S$30,000
Key Conditions
- •4 mpd on selected online and offline contactless spend
- •Combined bonus cap of S$1,000/month across all eligible categories
- •Travel and offline dining are heavily excluded from the 4 mpd rate
- •0.4 mpd base rate on other spend
- •No annual fee ever
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Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| OnlineSelected online spend (e.g. shopping, food delivery) (capped at S$1,000/mo) | 4 mpd |
| ContactlessSelected offline contactless spend (capped at S$1,000/mo) | 4 mpd |
| All other spend | 0.4 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,500
Reachable destinations (economy, one-way)
These rates are not guaranteed. Banks update cashback rates, miles rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings. Terms and conditions apply.
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About HSBC Revolution Card
The HSBC Revolution Card is widely considered a staple miles-earning card in Singapore specifically because it is free of an annual fee. It earns a robust 4 miles per dollar across selected online purchases and offline contactless payments, capped respectively at S$1,000 per month each. Notably, recent policy changes have stripped travel and offline dining from earning the 4 mpd bonus, so cardholders need to be extra vigilant regarding merchant category codes. For pure digital spend and Apple Pay/Google Pay retail, it remains highly competitive for a card with no annual fee. Terms and conditions apply.
Key Features
- •Waived annual fee — free to hold
- •4 miles per dollar on accepted online spend (S$1,000 monthly cap)
- •4 miles per dollar on accepted contactless payments (S$1,000 monthly cap)
- •0.4 miles per dollar on general/excluded spending
Miles Earning Breakdown
On a given S$3,000 monthly spend, maximizing the S$1,000 combined cap on qualifying online shopping or physical contactless tap-to-pay (4 mpd) yields 4,000 miles. Floating the remaining S$2,000 on other expenses (0.4 mpd) adds 800 miles, netting you 4,800 miles total. Spending anything beyond the S$1,000 cap or on excluded categories heavily dilutes the earn rate.
HSBC Revolution Card vs DBS Woman's World Card vs Citi Rewards Card
Compared to the Citi Rewards (4 mpd online and shopping, capped combined at S$1,000), the HSBC offers separate S$1,000 caps for online vs contactless, technically allowing a higher overall mileage ceiling. However, against the DBS Woman’s World Card (4 mpd online, S$1k cap), the HSBC lacks DBS’s blanket online coverage because HSBC maintains a whitelist approach. HSBC remains the only card here operating without an annual fee.
Where Does HSBC Revolution Card Earn the Most?
Online retail apps, food deliveries, and physical tap-to-pay usage at retail grocery chains or department stores. Caution is highly advised as physical restaurant dining and flight bookings no longer qualify for the promotional 4 mpd multiplier.
Frequently Asked Questions
How many miles per dollar does the HSBC Revolution Card earn?
The HSBC Revolution earns 4 miles per dollar on eligible online spending and contactless payments, with a combined cap of S$1,000 per month. All other spending earns 0.4 miles per dollar.
Is there an annual fee for the HSBC Revolution Card?
No. The HSBC Revolution Card has no annual fee, making it completely free to hold. The minimum income requirement is S$30,000 per year.
Does the HSBC Revolution earn 4 mpd on dining and travel?
No. Recent category exclusions removed travel bookings and offline dining from the 4 mpd bonus. These transactions earn only the base 0.4 mpd rate. The 4 mpd rate applies to eligible online purchases and contactless tap-to-pay transactions.
What is the spending cap on the HSBC Revolution 4 mpd rate?
The 4 mpd rate is capped at a combined S$1,000 per calendar month across all eligible online and contactless spending. Any spend above this threshold earns 0.4 mpd.
Is the HSBC Revolution a good first miles card in Singapore?
The HSBC Revolution is often considered a strong entry-level miles card in Singapore because it has no annual fee and earns 4 mpd on everyday online and contactless spending. It pairs well with a general flat-rate card like the UOB PRVI Miles or Citi PremierMiles to cover spend beyond the S$1,000 cap.
Are these rates guaranteed?
No. Banks change miles-per-dollar rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.