Compare › Citi Rewards vs HSBC Revolution
Citi Rewards vs HSBC Revolution
Every row comes from each bank's own terms. The better value in a row is shaded gold.
| Card | Citi RewardsMiles Easy | HSBC RevolutionMiles Easy |
|---|---|---|
| Earning | ||
| Best rate | 4 mpd | 4 mpd |
| Where the best rate applies | Online and in-app spend (not travel, transit or mobile wallets) | Online or contactless: dining, travel, shopping, taxis |
| Everything else, in S$ | 0.4 mpd | 0.4 mpd |
| Foreign currency | 0.4 mpd | 0.4 mpd |
| Bonus cap | S$1,000 a statement | S$1,000 a month |
| Minimum spend | None | None |
| Costs | ||
| Annual fee | S$196.20, 1st year free | Waived Best |
| Overseas fee | 3.25% | 3.25% |
| Minimum income | S$30,000 | S$30,000* |
| Rewards | ||
| Points expiry | Points are valid for 60 months from the date you become entitled to… | Points expire at the end of a 37-month period that starts in the… |
| Sources | ||
| Checked | 21 Oct 2026 | 21 Oct 2026 |
| Documents | Citi Rewards Card 10X Rewards Promotion T&Cs (effective 1 Apr 2024) Citi Rewards Card product page | HSBC Revolution Credit Card Reward Points Programme T&Cs (effective 1 Apr 2026) HSBC Rewards Programme T&Cs (clause B7 expiry, E6 redemption fee) (effective 31 Mar 2025) |
Have both?
Cardinko picks the right one at every shop and warns you before you hit a cap.