HSBC Advance Credit Card

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Key Features

1.5%
Base Cashback
2.5%
Cashback when you spend more than S$2,000
1%
Bonus Cashback with HSBC Everyday+

Promotion

Dining

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Cash Back

For all purchases below S$2,000 per calendar month, the base cashback rate is 1.5%, and the cashback is capped at S$70 per calendar month.
When you spend more than S$2,000 per calendar month, enjoy 2.5% cashback on all local and overseas spend. The cashback is capped at S$70 per calendar month.
As an HSBC Everyday+ Customer, enjoy 3.5% cashback on all local and overseas spend, and a perpetual annual fee waiver.
The HSBC Cashback terms and conditions specify that certain payments, such as those made via EZ-Link, YouTrip, AXS, tax, utilities, cash advances, and payments to financial, governmental, insurance, and educational institutions, do not qualify for cash back.

Online Shopping

Download Entertainer with HSBC app for worldwide dining and hotel 1 for 1 deals and discounts.

Overseas Spending

Download the Visa Concierge app to enjoy the Visa Digital Concierge’s services.

Shopping

Download Entertainer with HSBC app for worldwide dining and hotel 1 for 1 deals and discounts.

Other Features

There is no minimum spend requirement to earn 1.5% Cashback on all local and overseas purchases.
Spend more than S$2,000 a month to earn 2.5% Cashback on all local and overseas purchases.
With HSBC Everyday+, you can earn an additional 1% cashback on all your credit card spending.
Enjoy complimentary access to ENTERTAINER with HSBC app, which offers over 1,000 1-for-1 deals on dining, lifestyle, and travel worldwide.
The Cashback you receive is capped at S$70 per calendar month.
LOANPANDA strives to keep our information accurate and up to date. Please note that the information provided may differ from what you see when you visit a financial institution, service provider, or specific product site. LOANPANDA is not liable to compensate customers if the information provided is not as updated as our partners.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$40,000

Fees and Charges

Annual Principal Fee: S$194.40
Supplementary Annual Fee: N/A
Fee Waiver: First year waived
Interest Free Period: 20 days
Annual Interest Rate: 25.90%
Late Payment Fees: S$55
Minimum Monthly Repayment: 3% or S$50, whichever is greater
Foreign Currency Transaction Fee: 2.80%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6% or $15, whichever is greater
Overlimit Fee: S$40

Review

By LOANPANDA

The HSBC Advance Credit Card is a great option for those who want to earn cashback on their everyday spending. With a base cashback rate of 1.5% and a bonus cashback rate of 2.5% when you spend more than S$2,000 per calendar month, this card offers a competitive rewards program. Additionally, HSBC Everyday+ customers can earn an extra 1% cashback on all credit card spending, and enjoy a perpetual annual fee waiver.

Cardholders can also benefit from complimentary access to the ENTERTAINER with HSBC app, which offers over 1,000 1-for-1 deals on dining, lifestyle, and travel worldwide. However, it’s important to note that the cashback is capped at S$70 per calendar month, and certain payments do not qualify for cashback.