Review: HSBC Revolution Card

The HSBC Revolution is still useful to have, but its scaled-back whitelist means it's not the incredible card it once was.

It’s been a bumpy start to 2024 for the HSBC Revolution, with the versatile no-annual-fee card tightening its bonus categories to exclude many hotels and all travel agencies on 1 January. And if that wasn’t enough, next to go were bonuses for groceries, food delivery and fast food on 1 May, followed by the 1% bonus cashback for Everyday Global Accountholders. 

So now that the dust has settled (hopefully), where does that lead us? Well, there’s still some things to like about this card: no annual fee, a complimentary copy of The Entertainer, and bonuses on air tickets, cruises, ride-hailing, shopping and restaurants.

I just don’t know whether I’d call it a wallet essential anymore. 

HSBC Revolution
🦁 MileLion Verdict
Take It
☑ Take It Or Leave It
☐ Leave It

The HSBC Revolution is still useful to have, but its scaled-back whitelist means it’s not the incredible card it once was
👍 The good 👎 The bad
  • 4 mpd categories can help take the load off blacklist cards like the Citi Rewards and DBS Woman’s World Card
  • Permanent annual fee waiver
  • Free copy of The Entertainer 
  • Higher-than-average conversion fee, albeit with unlimited conversions
  • Supermarkets, fast food, food delivery, travel agencies and most hotels are now excluded from bonuses
  • No more 1% cashback with EGA
Full List of Credit Card Reviews

Overview: HSBC Revolution

Let’s start this review by looking at the key features of the HSBC Revolution.

Income Req.
S$30,000 p.a.
Points Validity
37 months
Annual Fee
None Min.

25,000 HSBC Points
(10,000 miles)

FCY Fee 3.25% Transfer Fee S$43.60 (per yr.)
Local Earn 0.4 mpd Points Pool? No
FCY Earn 0.4 mpd Lounge Access? No
Special Earn 4 mpd on selected online and contactless payments Airport Limo? No
Cardholder Terms and Conditions

How much must I earn to qualify for a HSBC Revolution?

uob preferred platinum visa income requirement

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.

Sign-up gift


HSBC offers new-to-bank customers a choice of welcome gifts:

  • Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)
  • S$150 cashback

A minimum spend of S$1,000 must be charged to the card by the end of the month following approval. For example, if my card is approved on 15 March 2023, I will need to meet the minimum spend by 30 April 2023. 

New-to-bank customers are defined as those who:

  • do not hold any existing HSBC principal credit card*
  • did not cancel any HSBC principal credit card* within the past 12 months

*Except the HSBC TravelOne Card or HSBC Visa Infinite. Refer to this post for more details.

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. 

At the time of writing, this offer is available till 30 June 2024, though it’s perpetually extended. The T&Cs can be found here.

How much is the HSBC Revolution’s annual fee? 

  Principal Card Supp. Card
First Year Free Free
Subsequent Free Free

The HSBC Revolution’s S$160.50 annual fee was removed on 1 August 2020, and both principal and supplementary cards are now free for life. 

There are only a handful of credit cards in Singapore without an annual fee, and most of them are rather abject. So hats off to HSBC for waiving the annual fee, while simultaneously improving the value proposition. 

How many miles do I earn?

🇸🇬 SGD Spending 🌎 FCY Spending ➕ Bonus Spending
0.4 mpd 0.4 mpd 4 mpd on travel, shopping, dining, transport paid online or via contactless payments

Regular SGD/FCY Spending

HSBC Revolution Cardholders earn:

  • 1 HSBC Point for every S$1 spent in Singapore Dollars
  • 1 HSBC Point for every S$1 spent foreign currency (FCY)

1 HSBC Point is worth 0.4 airline miles, so that’s 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, so using your card for overseas general spend represents buying miles at 8+ cents each- a silly proposition, unless you’re able to tap the bonus categories!

💳 FCY Fees by Issuer and Card Network
Issuer ↓ 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 don’t earn bonuses unless they’re explicitly included in the T&Cs. This is more restrictive than a blacklist policy, where transactions earn bonuses unless they’re explicitly excluded in the T&Cs (e.g. Citi Rewards Card, DBS Woman’s World Card), but thankfully the whitelist is fairly broad. 

✅ HSBC Revolution Bonus Whitelist
Category MCCs Examples
Airlines, Car Rental, Lodging, Cruise Lines 3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511 Singapore Airlines, Scoot, Cathay Pacific, Emirates
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 Amazon, Best Denki, Courts, Harvey Norman, Lazada, Qoo10, Shopee, Taobao
Dining 5441, 5462, 5811, 5812, 5813 Crystal Jade, Paradise Dynasty, Hai Di Lao
Transportation & Membership Clubs 4121, 7997 Comfort, Grab (excluding GrabPay top-ups), gojek,  TADA, Ryde, Fitness First
Bonuses apply to both SGD & FCY spend
⚠️ Important Note

To be eligible for bonuses, transactions must be made online, or offline via contactless payment in order to earn 4 mpd. This includes:

  • Apple Pay (in-app or in-store spend)
  • Google Pay (in-app or in-store spend)
  • Visa Paywave (tapping the physical card)

HSBC cards currently do not support Garmin Pay, Fitbit Pay, or Samsung Pay.

This list used to be longer, but on 1 January 2024, the HSBC Revolution Card dropped MCCs 4722 and 7011 from its whitelist.

  • MCC 4722 is used by online and offline travel agencies, including Changi Recommends, Expedia, Kayak, Klook, Pelago, Traveloka and
  • MCC 7011 is used by AirBnB and many hotels

While it’s usually clear which merchants fall into MCC 4722, MCC 7011 is more ambiguous. 

Most major hotel chains have their own unique MCCs in the 3500-3999 range (refer to this document for more details), such as Hilton (MCC 3504), Hyatt (MCC 3640), Marriott (MCC 3509), and Wyndham (MCC 3722).

However, real-world data points suggest it’s still possible for individual properties under those chains to code as MCC 7011, as the screenshot below shows.

🏨 Example: Westin Kuala Lumpur

Even though Westin Hotels come under MCC 3513, but this particular hotel codes as MCC 7011

This means it will be a big risk to use the HSBC Revolution for any hotel transaction going forward, unless you’re willing to take the time to verify the MCC beforehand. 

On 1 May 2024, the HSBC Revolution also dropped MCCs 5411, 5499 and 5814 from its bonus whitelist.

  • MCC 5411 is used by supermarkets such as Cold Storage, NTUC FairPrice and Sheng Siong
  • MCC 5499 is used by convenience stores like 7-Eleven and Cheers, as well as merchants which skirt the definitions of dining, like Hockhua Tonic, iHerb and Nespresso
  • MCC 5814 is used by fast food outlets like Burger King, KFC, McDonald’s, Subway and Starbucks

But the problems go beyond just the obvious. MCC 5499/5814 are used by food delivery services such as Deliveroo, Food Panda and GrabFood (these can sometimes code as MCC 5812).

This makes using the HSBC Revolution a bit more troublesome, as you’ll either have to gamble on the MCC, or take additional steps to verify it before making a purchase.

Method Ease of Use Reliability
HeyMax ●●●
📱 Instarem app ●● ●●
🤖 DBS digibot

A detailed guide to checking MCCs can be found in the following article. 

How to check Merchant Category Codes (MCCs) before making a purchase

One potential workaround for the 4722/7011 restriction is to pay with a BNPL service like Atome, where accepted (e.g. Agoda). This codes as MCC 5999, which is still on the HSBC Revolution’s whitelist.

When are HSBC Points credited? 

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 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.

For example, if you make an eligible transaction in April, your bonus points will be credited by the end of May, and appear in your statement for June.

Base Points (1X) Credited when transaction posts
Bonus Points  (9X)
Credited by the end of the following calendar month

How are HSBC points calculated?

Here’s 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

While the UOB Preferred Platinum Visa (the HSBC Revolution’s closest competitor) awards points in blocks of S$5, the Revolution awards points in blocks of S$1. This is a key advantage, because it means you lose fewer points to rounding. Consider the following illustration:

  HSBC Revolution uob preferred platinum visa cardUOB Pref. Plat Visa
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

If you’re an Excel geek, here’s the formulas you need to calculate your points: 

Base Points (1X) =ROUND (X,0)*1
Bonus Points (9X)
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 aren’t eligible for HSBC Points?

The following transactions are not eligible for HSBC Points.

❌ HSBC Revolution Exclusion List
  • Foreign exchange transactions (including but not limited to;
  • 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, 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 (Electric, Gas, Water, and Sanitary);
  • 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

Let me address some FAQs which invariably come up:

  • Foreign exchange transactions does not refer to foreign currency transactions. Foreign exchange refers to trading foreign currencies on platforms like
  • 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?

❌ Expiry ↔️ Pooling ✈️ Transfer Fee
37 months No S$43.60 for unlimited conversions in a 12 mo. period
⬆️ Min. Transfer ✈️ No. of Partners ⏱️ Transfer Time
25,000 HSBC Points
(10,000 miles)
2 ~1 week


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
1-30 September 2021 31 October 2024
1-31 October 2021 30 November 2024
1-30 November 2021 31 December 2024

This means that the validity is technically 37-38 months, depending on when the points were earned.


HSBC Points do not pool across cards. If you have 10,000 HSBC Points on the HSBC Revolution, and 15,000 HSBC Points on the HSBC Visa Infinite, for example, you won’t be able to combine the two when redeeming (however, you won’t need to pay multiple conversion fees; see next section).

This also means that HSBC Revolution Cardholders will not be able to tap the additional transfer partners that HSBC TravelOne Cardholders enjoy.

Since points do not pool, you will have to transfer all your HSBC Points before cancelling the HSBC Revolution, or else forfeit them. 

Partners and Transfer Fee

HSBC Points can be transferred to frequent flyer programmes at a 5:2 ratio, with a minimum transfer block of 25,000 HSBC points.

Frequent Flyer Programme Conversion Ratio
(HSBC Points: Miles)
krisflyer logo 25,000: 10,000
asia miles logo 25,000: 10,000

Instead of charging a fee per conversion, HSBC instead charges cardholders an annual S$43.60 Mileage Programme fee, which covers unlimited conversions for a 12-month period. Alternatively, you can pay 9,000 rewards points for a program fee waiver (not worth it, so don’t bother). 

Even though HSBC Points do not pool, you will only pay a single Mileage Programme fee regardless of how many HSBC credit cards you have. This covers transfers to both KrisFlyer and Asia Miles (i.e. there’s no need to register again for the 2nd frequent flyer program).

Transfer Time

HSBC points transfers are batched and processed on a weekly basis, which means your waiting time could be anywhere from 1-7 days.

Other perks

Free Entertainer subscription

hsbc entertainer

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 “premium” card, you won’t get nearly as many offers as HSBC Visa Infinite & HSBC Premier cardholders. That said, you’ll 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$75. 

Complimentary travel insurance

Accidental Death S$300,000
Medical Expenses Excluded
Others Emergency Medical Evacuation: Up to S$1 million
Travel Inconvenience: Up to S$6,000
Policy Wording

HSBC Revolution Cardholders who charge their air tickets (or pay for taxes and fees on a redemption ticket) to their card will enjoy complimentary travel insurance underwritten by MSIG.

This includes up to S$300,000 coverage for death and total permanent disability, up to S$1,000,000 for emergency medical evacuation, and up to S$6,000 for travel inconvenience. 

However, there is no coverage for overseas medical expenses, which means you should not rely on this as your primary source of coverage.

FAQs can be found here. 

Terms and Conditions

Summary Review: HSBC Revolution

🦁 MileLion Verdict
Take It
☑ Take It Or Leave It
☐ Leave It

2024 has been rough for the HSBC Revolution. No more 1% cashback with the EGA, no more bonuses for supermarkets, fast food, food delivery, hotels or travel agencies.

This doesn’t necessarily mean you should dump the card- it still has enough 4 mpd categories to help free up the more flexible caps on the DBS Woman’s World Card and Citi Rewards Card. But assuming you don’t regularly bust those caps, then there’s much less of a case to get this card than there was at the end of last year. 

So that’s my review of the HSBC Revolution. What do you think? 

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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France is Bacon

4mpd for simplygo?


Do you get the base points (1point = $1) for using SimplyGo? It only says you don’t get the bonus points. But how about the base points?


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 don’t like orphan miles and you got yourself a solid beginner 2 card set-up.


Use UOBKF for SimplyGo – 3mpd


Hi if I use fave pay, does it count as contact less payment?


Don’t users get 4mpd also for contactless dining with the UOB Preferred Platinum VISA?

Last edited 3 years ago by ithh

But HSBC Revolution also requires dining payments to be contactless. So, how’s 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 ‘contactless’ 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 you’re getting any affiliate bonus that way – I see the affiliate code from your link but because sign-up is via app I don’t see how you get any credit (if indeed you were expecting that).
Also sign-up via app is very frustrating…


It’s 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 I’m 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?


… any thoughts on HSBC Infinite card vs Revolution or other HSBC cards. I’m looking to drop my Infinite card?

Chye Huat

Didn’t see hospital in the exclusion list, does this mean 4mpd for contactless payment at both public/private hospitals?


HSBC Revolution’s 4mpd goes by MCC whitelist approach as mentioned in the article, and as far as I see hospital MCCs aren’t 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 doesn’t 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..

Last edited 3 years ago by Philippe

“The only caveat I’d 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. ”

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?


I’m trying to use this card to make an online purchase on a local website that sells cookies. Will it quality for 4mpd?


I’m planning some purchases at Mustafa. Does anyone know for sure the MCC for Mustafa Centre in at Syed Alwi Road? I’ve checked Whatcard and the Visa Supplier Locator – 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 updated for this? It still lists the Revolution as 2 mpd for dining.


Thanks for the useful review as usual! Which rate applies if the transaction is both online AND in FCY, 0.4mpd or 4mpd? Thanks


Hey, I just got this card with the latest biggest promo! Thanks for these articles.
Wanted to ask about this –>
“Instead 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.”
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 HSBC’s 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.

Hy lee

How about MCC for Shopee and Shopee supermarket?


Would it make sense to pair this with the Amaze card? Say for restaurants that don’t 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


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!


Hmm… Any idea which day of the week is the cutoff for miles transfer? I did my transfer on Thu but seems like it’s still pending. 😡


Opps! Wrong emoticon. 🙁


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 it’s not on the whitelist?


Anybody else having difficulty applying for this card? I applied for it in May and still haven’t heard anything from HSBC. I called a few times to inquire – sometimes they tell me they can’t 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 it’s 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, can’t find application, “due to overwhelming demand…”). Such a mess!

Last edited 1 year ago by John

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 didn’t 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?

Last edited 1 year ago by Anon

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 🙂


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. “We 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.” 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 perhaps… Read more »


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. I’ve 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?


Isn’t 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 UOB’s $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.… Read more »


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?


The HSBC points earned from supplementary cards will be stacked together with principle card?

Wen Xie

Hi Aaron.. I’m curious, since there are no annual fee, does that mean we have to payS$42.80 Mileage Programme fee annually instead?


I’m pretty sure it’s 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

Andrew Su

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. 🙂

Wee Lin

Read again.

“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.”


Does anyone know whether iherb considered as online retail spending


Telegram DP codes it as 5499 which makes it an eligible MCC


Thanks Bent 🙂


YMMV for Expedia since it is an aggregator – I booked a car rental via Expedia and it was coded as 7512 which is not an eligible MCC.

HSBC didn’t even reply my email requesting for an appeal.


Is the 4 mpd given for the following? Google Pay (mcdonald’s 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. 🙂


The qualifying spend is $1000 for the Samsonite luggage


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? I’m thinking of filing an appeal

Last edited 1 year ago by Kayden

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 we’ll see.

The MileLion

The CSO is wrong. The fee only needs to be paid once (this has been confirmed by HSBC’s corp comms team).

“The customer needs to only pay for the fee once as the mileage enrollment fee is charged at customer level.”