HSBC Advance Credit Card
The HSBC Advance Credit Card is a perfect match for the affluent who are looking to get the most out of their rewards with the least amount of hassle.
Maximise your savings with the HSBC Advance Credit Card. With this card, you'll enjoy up to 3.5% cashback when paired with the HSBC Everyday+ Rewards Programme. Even without the programme, you can get up to 2.5% base cashback when you spend above S$2,000, perfect for big-ticket purchases up from the usual 1.5% base cashback on all local and overseas spend with no minimum spend.
Cardmembers also enjoy complimentary access to ENTERTAINER where you can enjoy over 1,000 1-for-1 deals on dining, lifestyle and travel.
The card's annual fee is waived for the first year.
HSBC Advance Credit Card
Quick facts
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Things To Consider
- No monthly spend required
- Travel insurance
- Annual Fee waiver
Benefits
Cashback Local
2.5 %
Cashback Base Rate
1.5 %
Monthly Spend Required
S$ None
Cashback Overseas
2.5 %
Eligibility
Minimum Age
21 years old
Minimum Annual Income
S$ 30000
Monthly Spend Required
S$ None
Singsaver rewards
offers
- 1x March Madness Spin to Win Chance
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offers
- Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a top up
- Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up
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offers
- S$450 Upsized Cash via PayNow
- Apple iPad (A16) 11" WiFi 128GB (worth S$499)
- Dyson Supersonic™ hair dryer (worth S$649)
- Sony ZV-1F Vlog Camera (worth S$769)
- 2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
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Intro offers
offers
- Stand to win a business class ticket to London, S$200 GrabGifts Vouchers and more exciting rewards!
terms_and_conditions
Fees
Annual Fee Waiver
1 year
Annual Fee
S$ 196.20
Foreign Currency Transaction Fee
3.25 %
Cash Advance Service Charge
S$ 15
Air Miles Conversion Fee
S$ 40
Repayment
Minimum Payment
3 %
Late Payment Charge
S$ 100
Interest on Purchase
26.9 %
Interest on Cash Advance
28 %
Interest Free Period
20 days
Supported Payment Network
- VISA Platinum
Supported Payment Type
- Google Pay
- Apple Pay
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