HSBC Advance
Cashback card by HSBC · Many hurdles · Min S$2,000 a month, Small cashback cap
Earns 2.5% on 2.5% when the month's eligible spend is over S$2,000. Everything else in S$ earns 1.5%. Annual fee: S$196.20, 1st year free.
Checked against HSBC's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| 2.5% when the month's eligible spend is over S$2,000 | Any way of paying | 2.5% needs S$2,000 spend |
| Everything else, in S$ | Any way of paying | 1.5% |
| Everything else, in a foreign currency | Any way of paying | 1.5% |
The bank's full earning rules
- 1.5% cashback on eligible purchases; 2.5% when monthly eligible purchases exceed S$2,000.
- Cap: S$70 cashback a calendar month.
Earns nothing on
- Foreign exchange transactions
- Donations and payments to charitable, social and religious organisations
- Quasi-cash, gaming, lottery tickets, gambling
- Payments to financial institutions, securities brokers or dealers, investments and crypto-currencies
- Money transfers and payment services such as PayPal, Skrill, CardUp, SmoovPay, iPayMy
See all 17
- Foreign exchange transactions
- Donations and payments to charitable, social and religious organisations
- Quasi-cash, gaming, lottery tickets, gambling
- Payments to financial institutions, securities brokers or dealers, investments and crypto-currencies
- Money transfers and payment services such as PayPal, Skrill, CardUp, SmoovPay, iPayMy
- Professional services such as Google Ads, Facebook Ads, AWS
- Top-ups or purchases of prepaid, stored-value or e-wallet credits such as EZ-Link, Transitlink, NETS FlashPay, YouTrip
- Government payments, including court costs, fines, bail and bonds
- AXS and ATM transactions
- Tax payments, including the HSBC Tax Payment Facility
- Cleaning, maintenance, janitorial and property management fees
- Insurance company payments
- Educational institution payments
- Utility payments
- HSBC Spend Instalment monthly instalment amounts (only the total purchase amount qualifies, in the month of purchase)
- Balance transfers, fund transfers, cash advances, finance charges, late charges, cash instalment plan, HSBC fees
- Unposted, cancelled, disputed and refunded transactions
Fees and limits
Good to know
1.5% cashback on eligible spend; 2.5% on the whole month once eligible spend passes S$2,000. Total cashback capped at S$70 a month (reached at about S$2,800 spend).
Cashback is credited by the end of the next month. Excludes foreign exchange, e-wallet and prepaid top-ups, government, tax, insurance, education, utilities, instalments and more (clause 4 of the T&Cs).
Where these facts come from
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