Citi Rewards Card vs HSBC Revolution Credit Card
Compare Citi Rewards Card, HSBC Revolution Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
CitiSignature •••• •••• •••• •••• Credit Card CompareVisa Citi Rewards Card | HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa HSBC Revolution Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 55Good | 70Strong Highest |
|---|---|---|
| No annual fee | 42/100 | 60/100Highest |
| Rewards | 67/100 | 79/100Highest |
The basics
| Card tier | Signature | Signature |
|---|---|---|
| Card type | Visa | Visa |
| Credit rating | Not published | Not published |
| Rewards program | Citi ThankYou Rewards | HSBC Reward points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a.Lowest | S$65,000 p.a. |
| Residency | Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year) | 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 25 daysHighest | Up to 20 days |
|---|---|---|
| Minimum repayment | Greater of (a) 1% of the current balance plus 1% of unbilled instalments, all interest, instalment fees and late payment charges, or (b) S$50; plus any overdue amounts; a balance under S$50 is due in full | 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 | 27.90% p.a. | 27.80% p.a.Lowest |
|---|---|---|
| Cash advances | 27.90% p.a.Lowest | 28.50% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$0Lowest |
| Cash advance fee | 8% 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 pt per S$1 | 1 pt per S$1 |
|---|---|---|
| Bonus categories | 10 pts per S$1 in bonus categories, up to S$1,000 per statement period | 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 | 60 months from the card approval date; each later period starts when the previous one ends | 37 months: points are valid for 37 months from the month after the month they were awarded |
| Estimated annual points | 76,000 ptsWorth S$456 | 78,000 ptsWorth S$468Highest |
Sign-up bonus
| Sign-up bonus | 40,000 points | 42,000 pointsHighest |
|---|---|---|
| Bonus spend required | S$800 qualifying spend within 2 months of account opening (new Citi main cardmembers; promotion valid to 31 March 2027) | SGD1,000 from card account opening to the end of the following month (new HSBC cardholders; promotion 1 October to 31 December 2026) |
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Sources
- Credit Card Compare
- How CardIQ scores cards