HSBC Advance Credit Card

Note: Selecting a gift below does not guarantee your eligibility, all welcome gifts are subject to the Bank’s qualifying criteria. 

You're only 4 steps away from shopping and spending on your new HSBC Advance credit card.

1. Apply for the card
       Use Myinfo to make the application process even smoother and speedier.
2. Get approved
       You can use your virtual card as soon as you've been approved.
3. Receive your physical card
       Activate it to start earning rewards on your purchases right away.
4. Redeem your welcome gift
       Make the minimum spend with your card to get your welcome gift.

You can apply using Myinfo via Singpass and save the hassle to provide supporting documents.

Alternatively, prepare the following supporting documents with your application.

• ID documents of the primary and any supplementary applicants
• Income documents of the primary applicant

What documents are acceptable?

• ABS consumer guide for credit cards (PDF)
• Consumer guide for credit cards
• Credit card FAQs
• Credit card security
• Credit card terms (PDF)
• Advance credit card cashback programme terms and conditions (PDF)

Your credit limit

Your credit limit is subject to our review and approval. Where you've stated a preferred credit limit, the amount we grant may be lower than what you requested.

Finance charges

A finance charge will be imposed based on the amount withdrawn, from the date the transaction is posted to your account to the date the payment is made in full or the next statement date, whichever is earlier.

Effective rate: 27.8% p.a. (minimum)

Minimum charge: SGD2.50

Annual fee

We'll waive your annual fee for the first year, starting from the issue date for your credit card. From the second year onwards, we'll waive the annual fee for your card if you spend more than SGD12,500 with it per year.

If you're a foreigner employed in Singapore, you may be able to prove your credit worthiness by sharing your credit history from your home country/region. When you apply for a credit card online at HSBC, you may choose to provide your information and consent for us to access your overseas credit history. We'll use the information when processing your credit card application. Learn about international credit history.

Eligible purchases means retail purchases made locally or overseas (including online transactions), and recurring bill payments. Cashback will only be awarded to eligible purchases.

In the case of HSBC Spend Instalment, only the initial total purchase amount will qualify as an eligible purchase in the month of purchase. The subsequent instalment amounts will not qualify as eligible purchases.

Other terms and conditions apply. Please refer to Terms and Conditions (PDF, 110 KB).

Base cashback will be calculated based on the total amount of eligible purchases posted within each calendar month, rounded up to the nearest cent. The cashback will be credited into your HSBC Advance Credit Card account by the last day of the following calendar month and reflected on your card statement no later than the last day of the second calendar month from the date of such transaction.

The cashback credited for purchases that are refunded or returned will be reversed. In the event that the cashback has been utilised, HSBC reserves the right to charge the HSBC Advance Credit Card account.