HSBC Advance Credit Card
Eligible spending of S$2,000 or less per month earns 1.5% cashback; spending above S$2,000 earns 2.5%. Monthly cashback is capped at S$70.
Benefits & important limits
- Eligible spending of S$2,000 or less per month earns 1.5% cashback; spending above S$2,000 earns 2.5%. Monthly cashback is capped at S$70.
- Cash advances, fees, instalments, balance transfers and listed excluded transactions do not earn retail cashback. Foreign-currency fees remain payable.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First year waived; subsequent waiver with more than S$12,500 annual spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
New customers and existing customers with total relationship balance below S$50,000 need S$65,000 yearly income. Existing customers with at least S$50,000 TRB: local salaried S$30,000; local self-employed / commission earners S$40,000. Foreign applicants need S$65,000 in either case. HSBC names EP and S Pass in its documents; passport / pass validity and income documents are required.
Principal age: 21+
Application documents ↗Overseas & FX fees
Foreign-currency purchases attract up to 3.25% in conversion and administrative fees. Rewards do not cancel these charges; overseas SGD and DCC transactions follow separate rules.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.