American Express Singapore Airlines KrisFlyer Credit Card vs HSBC Revolution Credit Card

Compare American Express Singapore Airlines KrisFlyer Credit Card, HSBC Revolution Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

Side-by-side comparison of American Express Singapore Airlines KrisFlyer Credit Card vs HSBC Revolution Credit Card.
	American Express •••• •••• •••• •••• Credit Card CompareAmerican Express American Express Singapore Airlines KrisFlyer Credit Card Application	HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa HSBC Revolution Credit Card Application

Card details

CardIQ

How we calculate scores

Overall	47Fair	70Strong Highest
No annual fee	42/100	60/100Highest
Rewards	51/100	79/100Highest

The basics

Card tier	Not published	Signature
Card type	American Express	Visa
Credit rating	Not published	Not published
Rewards program	Singapore Airlines KrisFlyer	HSBC Reward points
Credit limit	Not published	Not published

Eligibility

Minimum age	21 years old	21 years old
Minimum income	Not specified	S$65,000 p.a.
Residency	Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet)	Singaporean, Singapore PR or foreigner; SGD65,000 for new HSBC customers (and for existing customers with TRB under SGD50,000 and for foreigners); SGD30,000 salaried or SGD40,000 self-employed for Singaporean/PR existing customers with TRB of SGD50,000 or more
Joint application	Not published	Not published
Temporary residents	Not published	Not published
Instant approval	Not published	Not published

Repayments

Interest-free period	Up to 22 daysHighest	Up to 20 days
Minimum repayment	3% of the outstanding balance plus overdue minimum payments, late payment charges and any amount over the credit limit, or S$50, whichever is greater	100% of monthly instalment amounts, plus 100% of any interest, late fees, annual fees and overlimit fees, plus 1% of the remaining balance (the last two parts at least S$50 in total), plus any excess over the credit limit; a balance under S$50 is due in full

Rates & fees

Ongoing interest rates

Purchases	27.80% p.a.	27.80% p.a.
Cash advances	26.90% p.a.Lowest	28.50% p.a.

Fees

Annual fee	No annual fee	No annual fee
Monthly fee	—	—
Additional cardholder fee	S$54.50	S$0Lowest
Cash advance fee	5% of the amount	8% of the amount
Foreign transaction fee	3.25%	2.25%Lowest
Late payment fee	S$100	S$100

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

Earn rate

Everyday spend	1.1 pts per S$1	1 pt per S$1
Bonus categories	2 pts per S$1 in bonus categories	10 pts per S$1 in bonus categories, up to S$1,000 per month
Other purchases	None	None
Overseas spend	None	None
Reduced rate above monthly cap	None	None
Points cap	Uncapped	Uncapped
Points expiry	—	37 months: points are valid for 37 months from the month after the month they were awarded
Estimated annual points	55,600 ptsWorth S$834	78,000 ptsWorth S$468Highest

Sign-up bonus

Sign-up bonus	16,000 points	42,000 pointsHighest
Bonus spend required	S$2,000 within the first 3 months of card approval (new to American Express; promotion 17 June 2026 to 31 January 2027)	SGD1,000 from card account opening to the end of the following month (new HSBC cardholders; promotion 1 October to 31 December 2026)

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Issuers: American ExpressHSBC