Credit Card
HSBC Advance Review
By Sethisfy  •  September 14, 2026
At 1.5% cashback, HSBC Advance is a pretty straightforward card. Like many other cards in this category, it is unexciting but simple to use. There are no category nor minimum spend requirements, and you get a relatively low cashback in return for the simplicity. Spend more than S$2,000 within a month, however, and the cashback rate gets a bit better at 2.5% cashback. It’s definitely not the most rewarding credit card around, but that isn’t really the point of HSBC Advance. Instead, it is meant for those who want one card for most of their everyday spending without having to keep track of categories, merchant types or complicated bonus conditions.
Quick Info
Earn Rate 1.5% or 2.5% cashback on eligible spend
Min. Spend 1.5% cashback – no min spend 2.5% cashback – min spend of S$2,000.01
Cap S$70 cashback per calendar month (S$2,800 spend)
Tracking Calendar month Posting date
Annual Fee S$196.20; first year waived
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HSBC Advance earns:...
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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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