If 2024 were a boxing match for the HSBC Revolution, the referee would have stopped the fight a long time ago.
After all, the list of nerfs makes for brutal reading. No more bonuses for airlines, car rental, cruise liners, hotels, travel agencies, supermarkets, food delivery or fast food. No more bonuses for any transactions made offline. Thatโs not to mention the recent devaluation of KrisFlyer miles conversions, and the upcoming removal of complimentary travel insurance.
These nerfs have crippled the card to the extent where most people will find it completely surplus to requirements. If all you care about is KrisFlyer, and if your spending doesnโt bust the bonus caps on other 4 mpd cards, then thereโs no reason to burden yourself with a HSBC Revolution.
But if you want to collect miles with alternate frequent flyer programmes, then there are ways of getting around the otherwise restrictive bonus whitelist. And for this group, perhaps thereโs life in the HSBC Revolution yet.
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๐ฆ MileLion Verdict | |
โ Take It โ Take It Or Leave It โ Leave It |
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Following a year of crippling nerfs, the HSBC Revolution can safely be ignored by most people- though thereโs one group who will still find it valuable. |
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๐ The good | ๐ The bad |
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Full List of Credit Card Reviews |
Overview: HSBC Revolution
Letโs start this review by looking at the key features of the HSBC Revolution.
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Income Req. |
S$30,000 p.a. |
Points Validity |
37 months |
Annual Fee |
None | Min. Transfer |
25,000 HSBC points (10,000 miles) |
Miles with Annual Fee | None | Transfer Partners | 20 |
FCY Fee | 3.25% | Transfer Fee | None |
Local Earn | 0.4 mpd | Points Pool? | Yes |
FCY Earn | 0.4 mpd | Lounge Access? | No |
Special Earn | 4 mpd on selected online payments | Airport Limo? | No |
Cardholder Terms and Conditions |
How much must I earn to qualify for a HSBC Revolution?
The HSBC Revolution has an income requirement of at least S$30,000 per year, the MAS-mandated minimum.
If you do not meet the minimum annual income, you can place a S$10,000 fixed deposit with HSBC to get a secured version of the card, with a credit limit equivalent to 100% of the deposit amount. More information can be found in this form.
How much is the HSBC Revolutionโs annual fee?
Principal Card | Supp. Card | |
First Year | Free | Free |
Subsequent | Free | Free |
The HSBC Revolutionโs S$160.50 annual fee was removed on 1 August 2020, and both principal and supplementary cards are now free for life.
So even though the card might not be as good as it was a few years ago, at least you wonโt need to worry about getting hit by an annual fee.
What welcome offers are available?
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HSBC is offering the following welcome gifts for new sign-ups for the HSBC Revolution Card.
New Cardholders | Existing Cardholders |
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A minimum spend of S$800 must be charged to the card by the end of the month following approval. For example, if my card is approved on 15 March 2025, I will need to meet the minimum spend by 30 April 2025.
It is also necessary to provide consent to receive marketing/promotional materials from HSBC at the time of application, and to not revoke that consent until the gift is fulfilled.
New cardholders are defined as those who:
- Do not currently hold a principal HSBC credit card, and
- Have not cancelled a principal HSBC credit card in the past 12 months
Existing cardholders are defined as those who:
- Have a principal HSBC credit card that was issued more than 12 months ago
- Have not cancelled any principal HSBC credit card within the past 12 months
HSBCโs eligibility criteria is unique, and rather confusing. While most banks define an existing cardholder as โanyone who is not a new cardholderโ, HSBC says that not only must you not have cancelled a principal HSBC credit card within the past 12 months, the principal HSBC credit card you currently hold must have been issued at least 12 months ago.
Therefore, when it comes to HSBC, itโs possible to be neither new nor existing, in which case no welcome offer for you!
How many miles do I earn?
๐ธ๐ฌ SGD Spending | ๐ FCY Spending | โญ Bonus Spending |
0.4 mpd | 0.4 mpd | 4 mpd on online shopping, dining and transport |
Regular SGD/FCY Spending
HSBC Revolution Cardholders earn 1 HSBC point for every S$1 spent in Singapore Dollars or foreign currency (FCY).
1 HSBC Point is worth 0.4 airline miles, so thatโs an equivalent earn rate of 0.4 mpd for both local and FCY spending.
All foreign currency transactions are subject to a 3.25% fee.
๐ณ FCY Fees by Issuer and Card Network |
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Issuer | โ MC & Visa | AMEX |
Standard Chartered | 3.5% | N/A |
American Express | N/A | 3.25% |
Citibank | 3.25% | N/A |
DBS | 3.25% | 3% |
HSBC | 3.25% | N/A |
Maybank | 3.25% | N/A |
OCBC | 3.25% | N/A |
UOB | 3.25% | 3.25% |
BOC | 3% | N/A |
CIMB | 3% | N/A |
Bonus Spending
For spending on bonus categories, HSBC Revolution Cardholders earn 10 HSBC points for every S$1 spent, whether in Singapore Dollars or FCY.
This works out to 4 mpd, capped at S$1,000 per calendar month. Any spend in excess of this cap earns 0.4 mpd, so be sure to track your expenditure carefully.
The HSBC Revolution adopts a whitelist policy, which means that transactions donโt earn bonuses unless theyโre explicitly included in the T&Cs. This is more restrictive than a blacklist policy, where transactions earn bonuses unless theyโre explicitly excluded in the T&Cs (e.g. Citi Rewards Card, DBS Womanโs World Card).
Once upon a time, the whitelist was so broad that some people called this a โde facto blacklist cardโ. These days, itโs not so generous.
โ
HSBC Revolution Bonus Whitelist |
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Category | MCCs |
Department Stores & Retail Stores | 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 |
Dining | 5441, 5462, 5811, 5812, 5813 |
Transport & Membership Clubs | 4121, 7997 |
For online spending only, in SGD or FCY |
This makes using the HSBC Revolution a bit more troublesome, as youโll either have to gamble on the MCC, or take additional steps to verify it before making a purchase.
Method | Ease of Use | Reliability |
โHeyMax | โโโ | โ |
๐ฑ Instarem app | โโ | โโ |
๐ค DBS digibot | โ |
โโโ |
A detailed guide to checking MCCs can be found in the following article.
How to check Merchant Category Codes (MCCs) before making a purchase
Department Stores & Retail Stores
There are two crucial MCCs here: 5311, and 5999.
MCC 5311 is used for department stores, but it also belongs to Heymax, which sells vouchers for a wide range of physical and online merchants including Amazon, Best Denki, Deliveroo, Grab, IKEA, Klook, Lazada, NTUC FairPrice Online, Pelago, Zalora and more.
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๐ 700 Max Miles joining bonus |
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Sign up for a HeyMax account and get up to 700 Max Miles as a welcome bonus |
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700 bonus Max Miles |
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These would normally code under a wide range of MCCs, but when purchased as vouchers through HeyMax, will universally code as MCC 5311.
I hope you see where Iโm going here. Whether youโre buying electronics or furniture, booking activities, taking a Grab or gojek, ordering food delivery, buying eSIMs or shopping online, you can use HeyMax to turn that into a 4 mpd opportunity for the HSBC Revolution.
To further sweeten the deal, Heymax also awards Max Miles based on the value of your purchase, which can be redeemed for more than two dozen airline and hotel partners.
Max-imum Fun: The best sweet spots for Max Miles redemptions
MCC 5999 is used for Atome, which partners with Agoda, Cathay Pacific, EU Holidays, KKday and Trip.com. This presents a possible workaround for the exclusion of travel-related transactions, though sadly Atome no longer works with Klook.
Other workarounds for in-store shopping include:
- Buying gift cards on Wogi (MCC 5947), which can be used in-store at Best Denki, Challenger, iStudio, Isetan, TANGS etc.
- Buying eCapitaVouchers or Frasers Digital Gift Cards on Wogi (MCC 5947), which can then be used at any CapitaLand Mall or Frasers Mall in Singapore
- Paying with FavePay (assuming MCC falls within whitelist)
- Paying with Kris+ (assuming MCC falls within whitelist)
- Paying with ShopBack Pay (assuming MCC falls within whitelist)
Dining
While the HSBC Revolution continues to reward online dining transactions, the big problem here is that MCC 5814 was nerfed in May 2024- the MCC that food delivery platforms like GrabFood, Foodpanda and Deliveroo often use.
Still, it is possible to earn bonuses when physically dining in a restaurant if the merchant:
- Accepts FavePay (assuming MCC falls within whitelist)
- Accepts Kris+ (assuming MCC falls within whitelist)
- Accepts ShopBack Pay (assuming MCC falls within whitelist)
- Has a QR-code ordering system like Oddle that requires you to pay on your phone before submitting your order (assuming MCC falls within whitelist)
All these transactions will code as online, and youโd earn 4 mpd assuming the merchantโs MCC falls within the HSBC Revolutionโs dining whitelist. However if the transaction codes as MCC 5814, youโre out of luck.
Transport
MCC 4121 remains a bonus category, which means you can continue to earn 4 mpd with Gojek, Grab, TADA and Ryde.
Membership Clubs
MCC 7997 remains a bonus category, so you can use the HSBC Revolution to earn 4 mpd with Anytime Fitness, Fitness First, BFT and most other gyms provided you pay online. Accor Plus memberships should also code as 7997, per my most recent records.
When are HSBC points credited?
Base Points (1X) | Credited when transaction posts |
Bonus Points (9X) |
Credited around the middle of the following calendar month |
The base 1X HSBC points are credited when the transaction posts, usually within 1-3 working days.
The bonus 9X HSBC points will be credited as a lump sum in following calendar month, sometime in the middle. There is no fixed date for crediting, but the community has reported the following:
- November 2024 bonus: 18th December
- October 2024 bonus: 15th November
- September 2024 bonus: 9th October
- August 2024 bonus: 19th September
- July 2024 bonus: 17th August
- June 2024 bonus: 19th July
- May 2024 bonus: 14th June
How are HSBC points calculated?
Hereโs how you can work out the HSBC points earned on your HSBC Revolution.
Base Points (1X) | Round transaction to the nearest S$1, then multiply by 1 |
Bonus Points (9X) |
Sum all eligible transactions (including cents) and multiply by 9. Round down transaction to the whole number |
This rounding policy gives the HSBC Revolution a slight advantage compared to some other specialised spending cards on the market, like the UOB Preferred Platinum Visa. Consider the following illustration:
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S$5 | 20 miles | 20 miles |
S$9.99 | 39.6 miles | 20 miles |
S$15 | 60 miles | 60 miles |
S$19.99 | 79.6 miles | 60 miles |
S$25 | 100 miles | 100 miles |
S$29.99 | 119.6 miles | 100 miles |
Of course, the UOB Preferred Platinum Visa has a much wider list of bonus categories than the HSBC Revolution, but assuming you were spending at a merchant thatโs eligible for bonuses on both cards, then the HSBC Revolution would win.
If youโre an Excel geek, hereโs the formulas you need to calculate your points:
Base Points (1X) | =ROUND (X,0)*1 |
Bonus Points (9X) |
=ROUNDDOWN (Y,0)*9 |
Where X= Amount Spent, Y= Sum of all eligible transactions |
For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
What transactions arenโt eligible for HSBC points?
The following transactions are not eligible for HSBC points.
โ HSBC Revolution Exclusion List |
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Let me address some FAQs which invariably arise:
- Foreign exchange transactions does not refer to foreign currency transactions. Foreign exchange refers to trading foreign currencies on platforms like Forex.com
- The HSBC Tax Payment Facility was terminated in January 2023, but HSBC has never bothered to update its T&Cs so the clause remains there
- HSBC has a blanket exclusion on bill payment services like CardUp, ipaymy and RentHero
- While PayPal is on the exclusion list, this refer to peer-to-peer money transfers between personal PayPal accounts. Payments to business PayPal accounts, the sort which e-commerce merchants will use, will still earn rewards
Otherwise, the list of exclusions here is fairly standard: charitable donations, education, government services GrabPay top-ups, insurance, professional services providers, and utilities.
What do I need to know about HSBC points?
โ Expiry | โ๏ธ Pooling | โ๏ธ Transfer Fee |
37 months | Yes | Free |
โฌ๏ธ Min. Transfer | โ๏ธ No. of Partners | โฑ๏ธ Transfer Time |
25,000 HSBC points (10,000 miles) |
20 | Instant* |
*Except JAL Mileage Bank and Hainan Air Fortune Wings Club |
Expiry
All HSBC points expire at the end of a 37-month period which commences from the month subsequent to the month in which the points were earned.
For example:
Points earned in the period of | Expiry date |
1-31 August 2023 | 30 September 2026 |
1-30 September 2023 | 31 October 2026 |
1-31 October 2023 | 30 November 2026 |
Pooling
HSBC points have been pooled ever since 1 May 2024, which means that if you have 10,000 HSBC points with the HSBC Revolution, and 15,000 HSBC points with the HSBC TravelOne Card, you can make a single redemption of 25,000 HSBC points.
However, do note that cancelling a HSBC card will lead to the forfeiture of points earned on that card, so youโll need to convert them before cancelling.
Partners and transfer fee
HSBC points can be transferred to 20 airline and hotel loyalty programmes at the following ratios.
โ๏ธ HSBC Airline Partners | |
Frequent Flyer Programme | Conversion Ratio (HSBC Points : Partner) |
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50,000 : 10,000 |
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35,000 : 10,000 |
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35,000 : 10,000 |
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35,000 : 10,000 |
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35,000 : 10,000 |
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35,000 : 10,000 |
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30,000 : 10,000 |
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30,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
๐จ HSBC Hotel Partners | |
Hotel Programme | Conversion Ratio (HSBC Points : Partner) |
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30,000 : 10,000 |
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25,000 : 5,000 |
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25,000 : 10,000 |
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25,000 : 10,000 |
A minimum conversion block of 10,000 miles/points (5,000 points in the case of ALL) applies, but subsequent conversions can be as little as 2 miles/points. For example, you could opt to convert 25,100 HSBC points into 10,040 Asia Miles, or 183,750 HSBC points into 52,500 Aeroplan points.
One important thing to highlight is that not all partners share the same transfer ratio, and the partner you choose affects the earn rate on your HSBC cards.
The 4 mpd rates weโve been referring to only apply if you pick a partner with a 25,000 pts = 10,000 miles ratio. If you want to use the HSBC Revolution to earn KrisFlyer miles (30,000 pts = 10,000 miles), your effective earn rate is 3.33 mpd at best, and if you pick JAL Mileage Bank (50,000 pts = 10,000 miles), itโs 2 mpd.
Transfer Ratio (Points : Miles) |
HSBC Revolution (Bonus Categories)# |
25,000 : 10,000 | 4 mpd |
30,000 : 10,000 | 3.33 mpd |
35,000 : 10,000 | 2.86 mpd |
40,000 : 10,000 | 2.5 mpd |
50,000 : 10,000 | 2 mpd |
#10 points per S$1 on bonus categories |
Itโs beyond the scope of this review to discuss which frequent flyer programmes you should be transferring points to, but I do want to highlight that under no circumstances should you opt for Qatar Privilege Club.
Hereโs why: the transfer ratio to Qatar Privilege Club is 35,000 HSBC points = 10,000 Avios. However, you can achieve a much better value by transferring 25,000 HSBC points to British Airways Executive Club for 10,000 Avios, then transferring those Avios to Qatar Privilege Club at a 1:1 ratio.
Iโm also going to say that if you want to earn Singapore Airlines KrisFlyer miles, this is the wrong card for you. There are plenty of other specialised spending cards on the market which will earn you 4 mpd, so thereโs no reason to resort to a 3.33 mpd rate.
Transfer time
All points transfers are completed instantly, with the exception of JAL Mileage Bank (10 working days) and Hainan Fortune Wings Club (5 working days).
Other perks
Free Entertainer subscription
All principal HSBC cardholders receive a complimentary copy of The Entertainer, which offers more than 1,000 1-for-1 offers for dining, entertainment and travel.
Since the Revolution is not a โpremiumโ card, you wonโt get nearly as many offers as HSBC Visa Infinite & HSBC Premier Cardholders. That said, youโll still access to the standard Entertainer offers at more than 150 merchants in Singapore, as well as the same overseas and travel offers that higher tier cards have.
An Entertainer membership usually retails at S$85.
Complimentary travel insurance
HSBC Revolution Cardholders receive complimentary travel insurance from MSIG when they:
- charge the full fare of their flight, rail or cruise to their card, or
- redeem a flight with airline miles, and use their card to cover the taxes and surcharges
This policy provides coverage of up to S$1,000,000 per person, as summarised in the table below.
Benefit | Maximum Limit Payable |
Accidental Death or Total and Permanent Disablement
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Emergency Medical Evacuation and Repatriation | S$1,000,000 per person |
Trip Cancellation | S$3,000 per person (S$6,000 per family) |
Travel Delay | S$700 per person (S$700 per family) |
Missed Flight Connection | S$300 per person (S$600 per family) |
Luggage Delay | S$300 per person (S$600 per family) |
Loss of Luggage | S$750 per person (S$1,500 per family) |
FAQs | Policy Wording |
From 1 April 2025, complimentary travel insurance will no longer be offered. What this means is that even if you used your HSBC Revolution to buy your tickets before this date, you wonโt have coverage if your travel takes place from 1 April 2025 onwards.
โ What happens if your travel straddles this period? |
If your trip straddles this period, you will receive coverage for any incident that happens up till 31 March 2025. |
In any case, I donโt think this should have been your primary source of travel insurance coverage, because thereโs no coverage for overseas medical and dental expenses, hospitalisation allowance, personal liability, or loss of personal belongings- all things I look out for in a travel insurance policy.
Moreover, thereโs no longer any reason to use the HSBC Revolution for air tickets, since Travel was removed as a bonus category on 1 January 2025.
Terms and Conditions
Summary Review: HSBC Revolution
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๐ฆ MileLion Verdict |
โ Take It โ Take It Or Leave It โ Leave It |
For most people in Singapore, the HSBC Revolution will be a โleave itโ card for the simple reason that the bonus whitelist has been decimated, and transfers to KrisFlyer miles have been devalued. Why bother with a finnicky credit card, when the DBS Womanโs World Card, Citi Rewards and UOB Preferred Platinum Visa offer higher earn rates with less effort?
But thereโs a small segment for whom the HSBC Revolution still remains worthwhile. If youโre not focused on earning KrisFlyer miles, and instead want to build balances with programmes like EVA Air Infinity MileageLands, Flying Blue and British Airways Executive Club, then this could very well be a โtake itโ card for you.
With a little thinking outside the box, itโs possible to work around the whitelist restrictions. You could pay with Atome, buy Heymax vouchers and Wogi gift cards, and utilise apps that turn offline transactions into online ones (MCC permitting). Whatโs more, the points youโll be earning are highly flexible, with 20 partners, instant conversions, small conversion blocks, and waived admin fees.
However, since these reviews are written with a general audience in mind, Iโm going to stick with โleave itโ. The vast majority of miles chasers wonโt need this card as part of their strategy, not when simpler alternatives exist.
So thatโs my review of the HSBC Revolution. What do you think?
4mpd for simplygo?
nope. 4111 not included
Do you get the base points (1point = $1) for using SimplyGo? It only says you donโt get the bonus points. But how about the base points?
why would you want to earn only 0.4 mpd with simply go though?
Better than earning 0.0mpd
Use other cards like UOB PRVI visa or mastercard
get an sc smart card in that case strictly for simplygo. 5.6mpd, or 6% cashback if you donโt like orphan miles and you got yourself a solid beginner 2 card set-up.
Use UOBKF for SimplyGo โ 3mpd
Hi if I use fave pay, does it count as contact less payment?
Donโt users get 4mpd also for contactless dining with the UOB Preferred Platinum VISA?
sure, but itโs not a specialized dining card. and amazingly, some places still donโt have paywave
But HSBC Revolution also requires dining payments to be contactless. So, howโs that different?
I have both cards and I see it as an additional card to fully maximize my 4mpd earnings per month for my dining expenditure.
Does โcontactlessโ include waving physical card at PayWave terminals unlike UOB PPV ? Incidentally, Do fuel purchases fall under the transportation or retail category ?
Yes. It counts when you tap the card contactless or via Apple Pay
Fuel purchases not sure. Gotta ask the drivers here.
Hey Aaron
Just so you know, when I went to apply the HSBC website asks me to download their app and apply via that. Which is fine but I am not sure whether youโre getting any affiliate bonus that way โ I see the affiliate code from your link but because sign-up is via app I donโt see how you get any credit (if indeed you were expecting that).
Also sign-up via app is very frustratingโฆ
thanks for the heads up! quite frankly, i have no idea how it works tooโฆall i know is that signing up via mobile browser is supposed to be the best because they dont ask you to download, sign, scan and email a form.
Itโs a shame we can only use this card for up to $1,000 a month
They should bump it up to a higher number, and Iโm sure the additional usage over the first $1K will shoot thru the roof
So any spend above $1k in that month will not earn the bonus miles?
โฆ any thoughts on HSBC Infinite card vs Revolution or other HSBC cards. Iโm looking to drop my Infinite card?
Didnโt see hospital in the exclusion list, does this mean 4mpd for contactless payment at both public/private hospitals?
HSBC Revolutionโs 4mpd goes by MCC whitelist approach as mentioned in the article, and as far as I see hospital MCCs arenโt included.
Aaron, does it earn 4mpd on Favepay transactions? Favepay offers a rebate that can be used to a subsequent transaction at the same merchant and would be great if bonus miles are earned!
Any idea if topping up topping up ShopeePay entitles you to the bonus miles? Went to Whatcard and it only shows Shopee as MCC5331 but doesnโt say anything about ShopeePay.
Between HSBC Revolution and Citi Premiermiles, which one is better on average? Considering that we are able to pay for insurance using Citi Payall to accumulate miles..
โThe only caveat Iโd add is that if your monthly spending is very low (maybe in the $500-1,000 range), it may not make sense to spread your points across another bank. In that case the UOB PRVI Miles + UOB Preferred Platinum Visa combination might work better. โ
Hi Aaron, I currently fall under this category of low spending. Are you able to share more about the UOB PRVI Miles + UOB Preferred Platinum Visa combination?
Would contactless payments overseas in the same categories qualify for 4mpd as well?
yes, so long as the MCCs are on the list.
Iโm trying to use this card to make an online purchase on a local website that sells cookies. Will it quality for 4mpd?
Hi
Iโm planning some purchases at Mustafa. Does anyone know for sure the MCC for Mustafa Centre in at Syed Alwi Road? Iโve checked Whatcard and the Visa Supplier Locator โ seems to be either 5331 or 5311? And what about the MCC for Mustafa Online? Should we use the HSBC Revo?
Thanks in advance
Is WhatCard.com updated for this? It still lists the Revolution as 2 mpd for dining.
whatcard has not been updated for a while already.
Thanks for the useful review as usual! Which rate applies if the transaction is both online AND in FCY, 0.4mpd or 4mpd? Thanks
4 mpd if eligible category
Hey, I just got this card with the latest biggest promo! Thanks for these articles.
Wanted to ask about this โ>
โInstead of charging a fee per conversion, HSBC instead charges cardholders an annual S$42.80 Mileage Program fee, which covers unlimited conversions for a 12-month period.โ
Will I get billed for this immediately or when I first want to transfer my miles? Thanks in Advance!
Upon your first transfer and then valid for 12 months.
based on my experience and info from HSBCโs CS, the bonus points are awarded the following month from the statement date, contrary to what it seems to be on the t&c
ie. if a transaction made on 18th Apr is captured in a 14Apr-13May statement, the bonus points will only be awarded end of June.
How about MCC for Shopee and Shopee supermarket?
Would it make sense to pair this with the Amaze card? Say for restaurants that donโt use contactless?
Amaze works for mastercard only. This aint
Is there a card that you gave 5 star rating to it? would be useful if there is a list of cards with the ratings next to it
Iโd encourage people not to get too hung up about the star ratings. In fact I thought about removing them. They donโt really tell you much to the extent that thereโs a false accuracy in saying a 5 star card is definitively better than a 4.5 one. In fact, I think Iโd rather change ratings to simply recommend vs donโt recommend.
How do I get The Entertainer? I have the card for nearly half a year now and maxing out each month, but have never received anything.
Contact HSBC customer support for the Entertainer VIP code and it should give you access!
Thanks Guy!
Hmmโฆ Any idea which day of the week is the cutoff for miles transfer? I did my transfer on Thu but seems like itโs still pending. ๐ก
Opps! Wrong emoticon. ๐
any idea if the 4mpd will stack for supplementary card holders?
Is Harvey Norman eligible for 4mpd? I remembered checking the MCC once, seems like itโs not on the whitelist?
Anybody else having difficulty applying for this card? I applied for it in May and still havenโt heard anything from HSBC. I called a few times to inquire โ sometimes they tell me they canโt find my application and at other times they tell me they sent a message to expedite my application. I received 4 credit cards from other banks in the meantime, so clearly itโs not an issue on my end.
Their systems cock up, my application can even went missing for 3 weeks. Finally got the card after 7 weeks!
Good to know. I called them like 4 times and got a different reason every time (missing document, canโt find application, โdue to overwhelming demandโฆโ). Such a mess!
Their system quite bad. I also kena slow. needed to call and chase a few times.
I am quite disappointed with this card. I spent it at IKEA Jem using Google Pay and online at Pet Lovers Centre. Both were not eligible for the extra 9x points. I asked HSBC and they said the merchant code didnโt qualify for the 9x points. I am totally confused.
the bonus points are earned specifically on certain MCC codes which you can refer in the T&C link below. IKEA spend probably best would be OCBC Titanium or UOB PP Visa via contactless payment?
https://www.hsbc.com.sg/content/dam/hsbc/sg/documents/credit-cards/revolution/offers/10x-reward-points-terms-and-conditions.pdf
is there a way to check how many HSBC points did they award me for each transaction and the corresponding bonus points (if transaction is eligible)? Thank you ๐
Well, I recently talked to HSBC via online chat on their online banking as I had the same query. This is what they told me. โWe understand you have an enquiry with regards to 10x reward points transactions. We regret to share that we do not have access to check for eligible transactions via the system or through online banking. You may refer based on the transaction category under Eligibile transactions and reflect on monthly statement.โ If they can be like Citi/UOB/DBS and allow customer to check on the online banking site, life would be easier and I think perhapsโฆ Read more ยป
Will there be contactless payments abroad if not then there are much better cards with better offers.
Article written 2 years ago and updated this year, yet the most important question of how long it takes for miles to be credited into Krisflyer is not mentioned or answered. Having data point on this would be useful.
I havent receive any bonus miles since my first usage in June 2022. Iโve spent at Harvey Norman and contactless dining areas. This is really strange, any one facing the same issue?
Application processing takes 3-5 days.
Apporval after processing another 7-14 days.
Absoloute rubbish when competitors have immdediate approval and some even lets you use virtual card while physcial card is sending over. But I guess this is the price to pay for a good miles card with good sign-up bonus.
Hi, it was previously mentioned that need to physically tap the card. This is no longer needed?
Isnโt this card better than the UOB Preferred Platinum which is graded 5 stars while this is 4.5 stars? It seems to be almost identical except that the points do not count in blocks of $5. The HSBC Revolution card also has no annual fee and 11 months longer points validity. Only downside is that points conversion is twice the amount ($42.80 vs $25) but that is a small fixed cost to pay given the missed miles with UOBโs $5 blocks.
Hi Aaron, been a long time reader of your site, thanks for your excellent work, it has enabled my family to fly on a number of business class tickets (something we thought impossible previously). I just wanted to leave a quick comment on the MCC for Courts. I paid with this card (contactless) in the physical store but did not get the 9x points. I called in and was told that Courts coded as 5712 (Furniture, Home Furnishings, and Equipment Stores, Except Appliances). Not sure if it is accurate. I did not buy any furniture though, bought an iron actually.โฆ Read more ยป
hi, does 4mpd applies to iCloud and Google Drive storage?
Thanks for the detailed article! Wanted to check if the $1,000 max cap for 4mpd is shared between Principal and Supplementary cards? Or does each card get a separate limit?
shared cap.
The HSBC points earned from supplementary cards will be stacked together with principle card?
Hi Aaron.. Iโm curious, since there are no annual fee, does that mean we have to payS$42.80 Mileage Programme fee annually instead?
Iโm pretty sure itโs not required to pay until you are ready to redeem the points into miles, so if it were me I would accumulate for like 35 months (before the points expires) and then pay the fee to get my points out. The 1 year free transfer timeframe from that day on is just a bonus (and expensive!)
Would we still earn the 4mpd if we pay for petrol via the CaltexGO app
Hi do dinning in restaurants is eligible for 10 X HSBC points? Thanks.
Yes, Provided contactless.
Milelion, you seems to forget one segment of your readers. Those who recently retired and do not have the official $30,000, though most CPF have more than 1million. ๐
Read again.
โIf you do not meet the minimum annual income, you can place a S$10,000 fixed deposit with HSBC to get a secured version of the card, with a credit limit equivalent to 100% of the deposit amount. More information can be found in this form.โ
Does anyone know whether iherb considered as online retail spending
Telegram DP codes it as 5499 which makes it an eligible MCC
Thanks Bent ๐
YMMV for Expedia since it is an aggregator โ I booked a car rental via Expedia and it was coded as 7512 which is not an eligible MCC.
HSBC didnโt even reply my email requesting for an appeal.
Is the 4 mpd given for the following? Google Pay (mcdonaldโs app, fairprice app, ), favepay and xnap? Thanks
just to double check the 1k capping is per month but not per statements. therefore we need to calculate it ourselves if the statement date is not at the end of the month? thanks.
Calendar month and post date.
Bonus reward w b credited a month later.
Thanks. ๐
The qualifying spend is $1000 for the Samsonite luggage
thanks! have fixed that. $500 was the previous offer.
Hi Aaron, do you happend to have the tnc for previous offer ? Signed up around 14 Feb. But they credit me with cashback instead of luggage. Definitely selected luggage as option as i was planning to use it for my overseas trip.
Have you ever encountered this issue? Iโm thinking of filing an appeal
hello! just to check, why would you not condone using it everywhere?
The bonus spending capped at S$1,000 per calendar month, is based on transaction date or when the transaction was posted?
Post Date
Hi Aaron, I just want to point out that the single Mileage Programme fee does not apply anymore. I have both a HSBC Revolution (thanks to recommendation from you) and HSBC VI. I had the HSBC Revo, applied for the mileage programme for the Revo, then signed up for HSBC VI later. I called the CSO today, they confirmed that each card need to have their own mileage programme sign up. meaning i will have to be charged twice for 2 mileage programmes. apparently the 2nd mileage programme fee is non-waivable, but weโll see.
The CSO is wrong. The fee only needs to be paid once (this has been confirmed by HSBCโs corp comms team).
โThe customer needs to only pay for the fee once as the mileage enrollment fee is charged at customer level.โ