| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| HSBC Live+ Credit Card | 5% Dining (restaurants, cafés, bakeries, fast food; not hotel dining) · 5% Shopping (department stores, apparel, marketplaces) · 5% Entertainment (cinemas, streaming) | S$600 a month | S$250 a quarter | S$196.20 |
| HSBC Advance Credit Card | 1.5% on everything | none | S$70 a month | S$196.20 |
HSBC Live+ Credit Card
5% on dining, shopping and entertainment, and at Caltex and Shell, as long as you spend S$600 in every month of the quarter, up to S$250 a quarter.
The 5% needs S$600 of spend in every month of the calendar quarter (S$1,000 in total in the quarter the card is issued); otherwise these categories earn 0.3%.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Dining (restaurants, cafés, bakeries, fast food; not hotel dining) | 5% | within card cap | S$600 |
| Shopping (department stores, apparel, marketplaces) | 5% | within card cap | S$600 |
| Entertainment (cinemas, streaming) | 5% | within card cap | S$600 |
| Caltex and Shell — only at Caltex, Shell | 5% | within card cap | S$600 |
| Everything else eligible | 0.3% | within card cap | none |
- Minimum spend: S$600 a month. S$600 in each of the three months of the quarter
- Cap: S$250 a quarter. S$250 a calendar quarter per card account; we count a third of it per month
- Annual fee: S$196.20. Waived for the first year; after that, waived if you spend more than S$12,500 a year
- Minimum income: S$65,000 a year (Singaporeans and PRs). S$30,000 for existing customers holding S$50,000 or more with HSBC; S$65,000 otherwise, including new customers
- Card: Visa credit card
What doesn't earn cash back
- e-wallet and prepaid top-ups (EZ-Link and similar), money transfers (PayPal, CardUp and similar)
- government services, tax, AXS, insurance, education and utilities
- financial institutions, brokerages, gambling and donations
- instalments, fees and cash advances
Promotion until 31 March 2027: Cards issued by 31 March 2027 earn an extra 3% (8% in total) on dining, shopping and entertainment for their first two quarters. Terms
Sources: HSBC Live+ Credit Card; HSBC Live+ quarterly cashback terms (effective 13 March 2026, PDF); HSBC bank tariffs (PDF). Checked 13 October 2026.
HSBC Advance Credit Card
A flat 1.5% that becomes 2.5% on the whole month once you spend more than S$2,000, capped at S$70 a month.
1.5% when you spend up to S$2,000 in a calendar month; above S$2,000, 2.5% on the whole month's eligible spend, not just the part above.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Everything else eligible | 1.5% | within card cap | none |
| Everything else, in months with more spend | 2.5% | within card cap | S$2,000 |
- Minimum spend: none. No minimum for 1.5%
- Cap: S$70 a month. S$70 a calendar month
- Annual fee: S$196.20. Waived for the first year; after that, waived if you spend more than S$12,500 a year
- Minimum income: S$65,000 a year (Singaporeans and PRs). S$30,000 for existing customers holding S$50,000 or more with HSBC; S$65,000 otherwise, including new customers
- Card: Visa credit card
What doesn't earn cash back
- e-wallet and prepaid top-ups (EZ-Link and similar), money transfers (PayPal, CardUp and similar)
- government services, tax, AXS, insurance, education and utilities
- financial institutions, brokerages, gambling and donations
- instalments, fees and cash advances
- HSBC Tax Payment Facility and AXS Pay+Earn
Sources: HSBC Advance Credit Card; HSBC Advance cashback terms (effective 31 March 2025, PDF); HSBC bank tariffs (PDF). Checked 13 October 2026.
Questions and answers
What is the minimum spend on the HSBC Live+ Credit Card?
S$600 of eligible spend a month. S$600 in each of the three months of the quarter.
What is the cash back cap on the HSBC Live+ Credit Card?
S$250 a quarter. S$250 a calendar quarter per card account; we count a third of it per month.
Is there an annual fee on the HSBC Live+ Credit Card?
S$196.20 a year, including GST. Waived for the first year; after that, waived if you spend more than S$12,500 a year.
What is the minimum spend on the HSBC Advance Credit Card?
There is no minimum monthly spend: the HSBC Advance Credit Card pays its rates from the first dollar of eligible spend. No minimum for 1.5%.
What is the cash back cap on the HSBC Advance Credit Card?
S$70 a month. S$70 a calendar month.
Is there an annual fee on the HSBC Advance Credit Card?
S$196.20 a year, including GST. Waived for the first year; after that, waived if you spend more than S$12,500 a year.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- UOB cashback cards
- Citi cashback cards
- Standard Chartered cashback cards
- Trust Bank cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.