HSBC Advance Credit Card is the go-to cashback credit card for Heartland Boy once he reaches the spending limits on his UOB One Credit Card. In his previous review on the HSBC Advance Credit Card, he demonstrated how he was consistently getting a cashback rate of 2.5% to 3.5%. HSBC Bank has announced some changes that will affect existing HSBC Advance cardholders from 1 Nov 2020 onwards. Thankfully, the changes are not too detrimental as Heartland Boy illustrates how it is still possible to earn 2.5% – 3.5% for your eligible spend on the HSBC Advance Credit Card. In addition, look out for SingSaver’s exciting Black Friday promotion (Dyson Purifier Tower Fan, Apple Airpods giveaways) at the end of the article.