HSBC Revolution Credit Card vs OCBC 90°N Mastercard
Compare HSBC Revolution Credit Card, OCBC 90°N Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa HSBC Revolution Credit Card | OCBC •••• •••• •••• •••• Credit Card CompareMastercard OCBC 90°N Mastercard |
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Card details
CardIQ
How we calculate scores| Overall | 70Strong Highest | 45Fair |
|---|---|---|
| No annual fee | 60/100Highest | 41/100 |
| Rewards | 79/100Highest | 49/100 |
The basics
| Card tier | Signature | Not published |
|---|---|---|
| Card type | Visa | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | HSBC Reward points | OCBC 90°N Miles |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$65,000 p.a. | S$30,000 p.a.Lowest |
| Residency | 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 | Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 20 days | Up to 23 daysHighest |
|---|---|---|
| Minimum repayment | 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 | S$50 or 3% of the total balance, whichever is higher, and any overdue amount |
Rates & fees
Ongoing interest rates
| Purchases | 27.80% p.a. | 27.78% p.a.Lowest |
|---|---|---|
| Cash advances | 28.50% p.a.Lowest | 28.92% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$0Lowest | S$98.10 |
| Cash advance fee | 8% of the amount | 8% of the amount |
| Foreign transaction fee | 2.25%Lowest | 3.25% |
| 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 | 6.5 90°N Miles per S$5 |
|---|---|---|
| Bonus categories | 10 pts per S$1 in bonus categories, up to S$1,000 per month | None |
| Other purchases | None | None |
| Overseas spend | None | 10.5 90°N Miles per S$5 on overseas spend |
| 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 | Miles never expire |
| Estimated annual points | 78,000 ptsWorth S$468Highest | 68,800 ptsWorth S$1,032 |
Sign-up bonus
| Sign-up bonus | 42,000 pointsHighest | 22,000 points |
|---|---|---|
| Bonus spend required | SGD1,000 from card account opening to the end of the following month (new HSBC cardholders; promotion 1 October to 31 December 2026) | S$800 within 60 days of card approval (new OCBC credit cardmembers; valid till 31 December 2026) |
Transfer partners
| Singapore Airlines KrisFlyer | — | 1 pt → 1 pt (≈ 1.3 pts per S$1) |
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Sources
- Credit Card Compare
- How CardIQ scores cards