• Amp up your lifestyle with a host of rewards
  Redeem exciting gifts and lifestyle experiences with the new 10X Reward points when you make online or contactless payments. And the best part? There's no minimum spending you need to worry about - you'll rack up Reward points from the very first dollar spent!
• Your ticket to a fulfilling life
  A life well lived is a life consciously driven by your passions and aspirations. And why not load up on Reward points while you're pursuing your dreams? You'll get 10X Reward points or 4 miles for every dollar you spend on online and contactless payments.
• Your quest for the best version of you
  The journey to become healthier and fitter starts now. You'll even be able to earn up to 10X Reward points when you spend on health and wellness.
  
  Need to motivate yourself to get off the couch? RegisterRegister Register for the Conscious Revolution Online Race with HSBC. This link will open in a new window for the Conscious Revolution Online Race with HSBC from now till 31 October 2020! Consciously stay healthy by logging your running distance through our Run for Rewards programme and earn fun rewards and discounts along the way.

• Virtual Card
  
  • Use your credit card, even if you left it at home
  • Lost or stolen card? Never go without
  • Use your new card instantly
  • No need to sign up
• Apple Pay
  Make easy and secure contactless payments with Apple Pay.
• SimplyGo
  Skip the top-ups and simply tap to pay for your bus and train fares with your card or via Apple Pay.
• Credit Limit Review
  Enjoy greater financial freedom with an increased credit limit.
• Spend Instalment
  HSBC Spend Instalment helps you manage your finances by dividing your purchase into smaller instalments.
  Opt for any of our instalment payment periods available with a processing fee of up to 5%.
• Card Balance Transfer
  Get extra cash with our low balance transfer rate on your HSBC Credit Cards and enjoy up to 90% savings!
  • 2.50% per annum for 6 months with processing fee of SGD88 (Effective Interest Rate (EIR): 4.39% per annum).
  • 4.88% per annum for 12 months with processing fee of SGD88 (Effective Interest Rate (EIR): 6.77% per annum).
  • Plus, enjoy a waiver of processing fee for approved amount of SGD10,000 and above.
• Card Instalment Plan
  Greater flexibility through choice of repayment period from 6 to 24 months.
  To enjoy HSBC's Credit Card Instalment Plan, simply make a minimum purchase of SGD500 at any of the following participating merchant outlets. Click here for latest 0% Instalment Payment Plan (IPP) Promotions.
  • 0% interest
  • Fixed monthly repayments
  • Greater flexibility through choice of repayment period from 6 to 24 months
  • Cash Instalment Plan
    Choose from a range of tenors from 12 to 36 months. With repayments divided into equal monthly instalments and attractive interest rates as low as 0% p.a., your finances can now be better managed.
    • Attractive interest rates
    • Fixed monthly repayments
    • Greater flexibility through choice of repayment period from 12 to 36 months
    • Hassle-free application
  • HSBC Recurring Bill Payment
    Enjoy the convenience of consolidated bill payments to your HSBC credit card and earn Reward points at the same time.
  • HSBC Tax Payment Programme
    Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account - and get rewarded for it!
  • Credit Card Security Alerts
    Safety measures to keep your credit card secure.

General

1. This promotion is referred to as the HSBC Credit Card Sign Up Promotion (“Promotion”), and is offered by HSBC Bank (Singapore) Limited (“HSBC”) to Eligible Applicants (as defined below). This promotion is only valid for applications for HSBC Visa Platinum credit card or HSBC Revolution credit card or HSBC Advance credit card or HSBC Premier Mastercard (in SGD) credit card (each, a “Card”) and excludes HSBC Premier Mastercard (in USD) credit card applications.
2. To participate in this Promotion and be eligible for the Gift(s) or Exclusive Gift (as defined below):
   1. applicants must submit their Card application between 1 September and 31 October 2021, both dates inclusive, or such other dates as determined by HSBC at its discretion (the "Promotion Period");
   2. the application must be approved and the Card must be issued by HSBC by 15 November 2021; and
   3. applicants must, at the time of submitting their Card application, provide to HSBC their consent to receive marketing and promotional materials from HSBC.
3. HSBC reserves the right to determine at our discretion whether:
   1. an Eligible Applicant(s) has met all the requirements of this Promotion; and
   2. transactions charged by an Eligible Applicant to a Card qualify towards fulfilment of the relevant minimum Qualifying Transaction requirements (as defined below).
4. HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this Promotion at any time without prior notice and/or assuming any liability to any party, and shall not be liable to pay any compensation or enter into any correspondence in connection with the same.
5. The Gifts and the Exclusive Gift are not exchangeable for cash, rewards points, credit or kind in all cases, whether in whole or in part. HSBC may, at its discretion, substitute the Gift(s) and/or the Exclusive Gift with an item of equal or similar value without prior notice.
6. For the purposes of calculating the Qualifying Transactions, the following shall apply:
   1. transactions made in foreign currencies will be converted into Singapore dollars based on HSBC’s prevailing exchange rate applicable at the time of exchange. If a Qualifying Transaction is cancelled or reversed after the applicable Qualifying Spend Period is over and the total amount spent during the Qualifying Spend Period falls short of the Qualifying Spend, the Qualified Cardholder will not be considered to have incurred the Qualifying Spend; and
   2. in the event any application for supplementary Card(s) has been submitted at the same time as the primary Card, Qualifying Transactions made by the primary and supplementary Card(s) can be combined to meet the Qualifying Spend. Where more than one Card is applied for and issued, Qualifying Transactions on each Card will not be aggregated with Qualifying Transactions on other Cards for the purpose of determining whether the Qualifying Spend for this Promotion has been met.
7. All information is accurate at the time of publishing or posting online.
8. For the purpose of this Promotion:
   
   "Qualifying Transactions" shall mean posted retail purchases (including but not limited to monthly charges under the interest free installment payment plan of any merchant, and in the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Transaction in the month of purchase), and shall exclude the following transactions(which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the merchant category codes from Visa / Mastercard):
   • Foreign exchange transactions (including but not limited to Forex.com);
   • Donations and payments to charitable, social organisations and religious organisations;
   • Quasi-cash transactions (including but not limited to transactions relating to money orders, traveler's checks, gaming related transactions, lottery tickets and gambling);
   • Payments made to financial institutions, securities brokerages or dealers (including but not limited to the trading of securities, investments or crypto-currencies of any kind)
   • Payments on money payments/transfers (including but not limited to Paypal, SKR skrill.com, CardUp, SmoovPay, iPayMy);
   • Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC);
   • Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to EZ-Link, Transitlink, NETS Flashpay and Youtrip);
   • Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment);
   • Any AXS and ATM transactions;
   • Tax payments (including HSBC Tax Payment Facility)
   • Payments for cleaning, maintenance and janitorial services (including property management fees)
   • Payments to insurance companies (including but not limited to sales, underwriting, premiums and insurance services);
   • Payments to educational institutions;
   • Payments on utilities;
   • The monthly instalment amounts under the HSBC Spend Instalment;
   • Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC’s Cash Instalment Plan, any fees charged by HSBC;
   • Any unposted, cancelled, disputed and refunded transactions.
   and such other categories of transactions which HSBC may exclude from time to time.
   
   For the purposes of determining whether a given transaction is qualified, please note that the business activities of a merchant is determined by the business classification of that merchant outlet which in turn is determined by the merchant/the merchant’s acquiring bank.
   
   "Card Account Opening Date" means the calendar month printed on the letter sent to an Eligible Applicant enclosing his/her Card issued pursuant to this Promotion.
   
   Mechanics
   
9. (a) To qualify for the Promotion, an Eligible Applicant must fulfill the conditions set out below (each a "Qualified Cardholder") to be entitled to the following gifts ("Gift") for each relevant offer ("Offer"):
   
   Offer: (A) Up to SGD170 cashback, or (B) SGD30 cashback
   
   Gift A - Eligible Applicant who does not hold any existing HSBC Credit Card#, and did not cancel any HSBC Credit Card# within the last 12 months prior to the Card Account Opening Date (each a “New Cardholder”) shall be entitled to receive up to SGD170 cashback, which consists of:
   (i) SGD50 cashback if the Eligible Applicant makes 1 Qualifying Transaction from Card Account Opening Date to the end of the following month; and
   (ii) SGD120 cashback if the Eligible Applicant charged a minimum of SGD500 in Qualifying Transactions within the Qualifying Spend Period.
   
   Gift B - Eligible Applicant who holds an existing HSBC Credit Card# issued more than 12 months and did not cancel any HSBC Credit Card# within the last 12 months prior to the Card Account Opening Date (each an “Existing Cardholder”) shall be entitled to receive SGD30 cashback if the Eligible Applicant charged a minimum of SGD500 in Qualifying Transactions within the Qualifying Spend Period.
   
   (b) In addition, each Eligible Applicant who (I) completes and successfully submits a Card application with Myinfo via Singpass between 1 September and 31 October 2021, both dates inclusive; (II) the application is approved and issued by HSBC by 15 November 2021; and (III) has not revoked his/her consent to receive marketing or promotional materials from HSBC at the time the Gift is credited to the Eligible Applicant shall be entitled to receive SGD30 cashback ("Exclusive Gift") in addition to the relevant Gift that he/she is eligible to receive under Clause 9(a).
   
   

   	New Cardholder (Gift A)	Existing Cardholder (Gift B)
   Gift	Up to SGD170 cashback Which consist of: SGD50 cashback – Charge 1 Qualifying Transaction from Card Account Opening Date to the end of the following month; and SGD120 cashback - Charge a minimum of SGD500 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Must not hold any existing HSBC Credit Card*#; and Did not cancel any HSBC Credit Card# within last 12 months*. Has not revoked his/her consent to receive marketing or promotional materials from HSBC at the time the Gift is credited to the Eligible Applicant * in each case prior to the approval date of their new Card application under this Promotion. # in each case with the exception of HSBC Visa Infinite Credit Card.	SGD30 cashback Charge a minimum of SGD500 in Qualifying Transactions from Card Account Opening Date to the end of the following month Existing HSBC Credit Card# must be issued more than 12 months earlier*; and Did not cancel any HSBC Credit Card# within last 12 months*. Has not revoked his/her consent to receive marketing or promotional materials from HSBC at the time the Gift is credited to the Eligible Applicant * in each case prior to the approval date of their new Card application under this Promotion. # in each case with the exception of HSBC Visa Infinite Credit Card.
   Exclusive Gift for Online Credit Card Application with MyInfo via Singpass	SGD30 cashback the Eligible Applicant completes and successfully submits a Card application with Myinfo via Singpass between 1 September and 31 October 2021, both dates inclusive; the application is approved and the Card is issued by HSBC by 15 November 2021; and the Eligible Applicant has not revoked his/her consent to receive marketing or promotional materials from HSBC at the time the Exclusive Gift is credited to the Eligible Applicant

10. Qualified Cardholders will be notified by the Notification Date (as set out in Clause 14), after HSBC determines in its discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
11. The relevant cashback will be credited into the Qualified Cardholder’s Card account, after HSBC determines in its discretion that the criteria under this Promotion have been met by the Notification Date (as set out in Clause 14), barring any unforeseen technical delays. Any request for early fulfilment of a Gift and/or an Exclusive Gift will not be granted nor entertained by HSBC.
12. The cashback can only be used to offset future retail purchases and cannot be transferred, withdrawn as cash or used to offset payments such as fund transfers, tax payments, financial charges, late charges, fees and other outstanding balances.
13. Each Qualified Cardholder is limited to (i) a maximum of one Gift, and (ii) where applicable, a maximum of one Exclusive Gift, regardless of the number of Cards applied for. In the event that the Qualifying Cardholder holds more than one approved Card, only the Card with the highest amount in Qualifying Transactions charged to it will be taken into account for the purposes of determining whether such Qualifying Cardholder is eligible to receive the Gift under this Promotion.

Qualifying Spend Period and Notification Date
14. The Qualifying Spend Period and Notification Date(s) as set out below:
    
    

    Card Account Opening Date	Qualifying Spend Period	Notification Date
    1 – 30 September 2021	1 September – 31 October 2021	By 30 November 2021
    1 – 31 October 2021	1 October – 30 November 2021	By 31 December 2021
    1 – 31 October 2021	1 November – 31 December 2021	By 31 January 2022

15. Only Card accounts that are maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC in its discretion at the time of fulfillment will be eligible for the Gift and/or Exclusive Gift. In the event that the Card is voluntarily or involuntarily closed, terminated or suspended for any reasons whatsoever before a Gift and/or an Exclusive Gift is accorded and/or credited to the Qualified Cardholder, HSBC reserves the right to forfeit the Gift and/or Exclusive Gift at its sole discretion.

1. The HSBC Revolution Credit Card 10X Reward points Programme (“Programme”) is offered by HSBC Bank (Singapore) Limited (“HSBC”) to all HSBC customers who hold a valid HSBC Revolution Credit Card (“Card”) issued by HSBC (each, a “Cardholder”).
2. The Programme period starts from 1 August 2020 until terminated by HSBC.
3. For the purposes of calculating the Reward points which the Cardholder is entitled to under the Programme, the following shall apply:
   i. Transactions made in foreign currencies will be converted into Singapore dollars based on HSBC’s prevailing exchange rate applicable at the time of exchange; and
   ii. Qualifying Transactions made with the primary and supplementary Card(s) will be combined and consolidated under the primary Card account ("Account").
4. “Qualifying Transactions” refers to posted retail purchases (in the case of HSBC Spend Instalment, only the total purchase amount will qualify as a Qualifying Transaction in the month of purchase), and shall exclude the following transactions (which shall, where applicable, be determined based on the transaction descriptions reflected in HSBC’s system and the merchant category codes from Visa / Mastercard): • Foreign exchange transactions (including but not limited to Forex.com);
   • Donations and payments to charitable, social organisations and religious organisations;
   • Quasi-cash transactions (including but not limited to transactions relating to money orders, traveler's checks, gaming related transactions, lottery tickets and gambling);
   • Payments made to financial institutions, securities brokerages or dealers (including but not limited to the trading of securities, investments or crypto-currencies of any kind);
   • Payments on money payments/transfers (including but not limited to Paypal, SKR skrill.com, CardUp, SmoovPay, iPayMy)
   • Payments to any professional services provider (including but not limited to GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC);
   • Top-ups, money transfers or purchase of credits of prepaid cards, stored-value cards or e-wallets (including but not limited to EZ-Link, Transitlink, NETS Flashpay and Youtrip);
   • Payments in connection with any government institutions and/or services (including but not limited to court costs, fines, bail and bond payment);
   • Any AXS and ATM transactions;
   • Tax payments (except HSBC Tax Payment Facility);
   • Payments for cleaning, maintenance and janitorial services (including property management fees);
   • Payments to insurance companies (including but not limited to sales, underwriting, premiums and insurance services);
   • Payments to educational institutions;
   • Payments on utilities;
   • The monthly instalment amounts under the HSBC Spend Instalment;
   • Balance transfers, fund transfers, cash advances, finance charges, late charges, HSBC’s Cash Instalment Plan, any fees charged by HSBC;
   • Any unposted, cancelled, disputed and refunded transactions. and such other categories of transactions which HSBC may exclude from time to time.
5. “Selected Online Transactions” refers to Qualifying Transactions made via the internet and processed by the respective merchants/merchant’s acquiring bank as an online transaction type through the Visa Worldwide networks, including credential-on-file payments when the Cardholder stores the Card information with a merchant or payment facilitator to make future purchases. HSBC determines whether a transaction is a Selected Online Transaction based on system indicators which are determined by the merchants and the merchant’s acquiring bank.
6. “Selected Contactless Payments” refers to Qualifying Transactions made via Visa contactless through a contactless terminal mode which includes Visa payWave and Apple Pay.
7. “Eligible Transactions” refers to Selected Online Transactions and Selected Contactless Payments that fall within any one of the following Merchant Category Codes (MCC):
   Category: Travel related such as Airlines, Car Rental, Lodging, Cruise Lines and Travel Agencies
   Merchant Category Codes (MCC): 3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511, 4722
   
   Category: Department Stores and Retail Stores
   Merchant Category Codes (MCC): 4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999
   
   Category: Supermarkets, Dining and Food Delivery
   Merchant Category Codes (MCC): 5411, 5441, 5462, 5499, 5811, 5812, 5813, 5814
   
   Category: Supermarkets, Dining and Food Delivery
   Merchant Category Codes (MCC): 4121, 7997
   
   Each Merchant Category Code (“MCC”) represents the main business activity of a merchant and is determined by the business classification of that merchant outlet which in turn is determined by that merchant’s acquiring bank and not HSBC.
8. Cardholders are entitled to earn 10X Reward points for every SGD1 charged on Eligible Transactions. The 10X Reward points will be awarded as follows:
   i. 1 Reward point (“Base Points”) for every SGD1 of the Eligible Transaction; and
   ii. 9 Reward points (“Bonus Points”) for every SGD1 of the Eligible Transaction.
   
   Reward points shall be calculated based on the total amount of Eligible Transaction posted into HSBC’s credit card system within each qualifying calendar month, rounded down to the nearest SGD1. Bonus Points are subject to a cap of 9,000 Bonus Points per calendar month, while Base Points are not subject to any cap.
9. Cardholders are entitled to earn 1 Reward points for every SGD1 charged on all other Qualifying Transactions that are not Eligible Transactions.
10. For the purpose of crediting the Reward points, the Base Points will be computed and credited into the Account based on the Cardholder’s statement cycle. The Bonus Points will be credited into the Account by the last day of the following calendar month and will be reflected in the Cardholder’s statement no later than the last day of the second calendar month from the date of the relevant Eligible Transaction. HSBC accepts no liability for any late submission of the purchases by merchants.
11. In the event that any Eligible Transaction and/or Qualifying Transaction is voided, cancelled, disputed and/or reversed, any Reward points (including the Bonus Points) awarded will be cancelled (“Cancelled Points”) and reversed. In the event that the Cancelled Points have been redeemed, HSBC reserves the right to charge their equivalent cash value to the Account. The cash value of each Reward point shall be equivalent to the dollar amount required to purchase such Reward point under the HSBC's Reward Programme.
12. The Reward points awarded to any given Account cannot be transferred to another Card / Account.
13. The calculation, use and redemption of the Reward points are subject to the HSBC’s Reward terms and conditions which are available at www.hsbc.com.sg/rewards.
14. Only Accounts that are maintained in good standing and conducted in a proper and satisfactory manner as determined by HSBC at the time of crediting the Reward points will be eligible for the Programme. In the event that the relevant Account is delinquent, voluntarily or involuntarily closed or terminated or suspended for any reasons whatsoever before the Reward points are credited into the said Account, HSBC reserves the right to forfeit the Reward points.
15. HSBC reserves the right to cancel and void any Reward points awarded to an Account at any time if it determines that the relevant Cardholder has not fulfilled the terms and conditions of the Programme.
16. HSBC reserves the right to revise any of these terms and conditions, or withdraw or alter any part of this Promotion.
17. All information is correct at the time of publishing or posting online.