If you’re looking for a credit card that offers a range of benefits and rewards, the HSBC The Choice Card Singapore could be the perfect option for you. With a variety of features and benefits, this card is designed to cater to your spending habits and lifestyle needs. Whether you’re looking for cashback rewards, air miles, or exclusive privileges, this card has something to offer.
The HSBC The Choice Card Singapore comes with a range of key features and benefits, including cashback rewards, air miles, and exclusive cardholder privileges. With this card, you can enjoy up to 5% cashback on your spending, as well as earn air miles for every dollar spent. Additionally, the card comes with a range of exclusive privileges, such as discounts on dining, shopping, and travel.
Applying for The Choice Card is easy and straightforward. Simply visit the HSBC website and fill out the online application form. Once your application is approved, you’ll receive your card in the mail within a few days. With its range of features and benefits, the HSBC The Choice Card Singapore is a great choice for anyone looking for a credit card that offers value and rewards.
Key Takeaways
- The HSBC The Choice Card Singapore offers a range of features and benefits, including cashback rewards, air miles, and exclusive cardholder privileges.
- Applying for The Choice Card is easy and straightforward, and you can expect to receive your card within a few days of approval.
- With its range of rewards and benefits, The Choice Card is a great option for anyone looking for a credit card that offers value and rewards.
Key Features and Benefits
If you’re looking for a credit card that offers great rewards, travel perks, and cashback on everyday spend, then the HSBC Choice Card Singapore is a great option for you. Here are some of the key features and benefits that you can enjoy with this card:
Reward Points and How to Earn Them
With the HSBC Choice Card Singapore, you can earn reward points on every dollar you spend. You can then redeem these points for a variety of rewards, including shopping vouchers, air miles, and more. Here’s how you can earn reward points:
- 1 reward point for every $1 spent on dining, groceries, and transport
- 1 reward point for every $5 spent on all other categories
Travel Perks and Insurance
If you’re a frequent traveller, then the HSBC Choice Card Singapore has got you covered. With the HSBC TravelOne Credit Card, you can enjoy a range of travel perks and benefits, including:
- Complimentary travel insurance
- Up to 6% cashback on overseas spend
- Exclusive discounts on travel packages and hotel bookings
Cashback and Discounts on Everyday Spend
The HSBC Choice Card Singapore also offers great cashback and discounts on everyday spend. With the HSBC Premier Mastercard, you can enjoy:
- 1.5% cashback on all spend
- Exclusive discounts on dining, shopping, and entertainment
Overall, the HSBC Choice Card Singapore is a great credit card option for those who want to earn rewards, enjoy travel perks and insurance, and get cashback and discounts on everyday spend. With its range of features and benefits, it’s definitely worth considering if you’re looking for a credit card that offers great value for money.
Applying for The Choice Card
If you’re looking for a credit card that offers you a range of benefits and rewards, The Choice Card from HSBC Singapore could be the perfect option for you. Here’s what you need to know about applying for this card.
Eligibility and Income Requirements
Before you apply for The Choice Card, you need to make sure that you meet the eligibility and income requirements. To apply for this card, you must be at least 21 years old. If you’re a Singaporean or a permanent resident, your minimum annual income has to be $30,000. If you’re a foreigner residing in Singapore, your minimum annual income has to be $40,000. If you’re self-employed or earning a commission-based salary, your minimum annual income has to be $40,000.
Application Process and Required Documents
To apply for The Choice Card, you can visit the HSBC Singapore website or use the HSBC Singapore app. Once you’ve chosen The Choice Card, you can click on the “Apply Now” button to start the application process. You’ll need to provide some personal and financial information, including your income and employment details.
To complete your application, you’ll also need to provide some supporting documents. These may include your NRIC or passport, your latest computerised payslip, your latest income tax notice of assessment, or any other documents that may be required by HSBC Singapore.
Once you’ve submitted your application and supporting documents, HSBC Singapore will review your application and let you know if you’ve been approved. If you’re approved, you’ll receive your new card within a few business days.
Overall, applying for The Choice Card from HSBC Singapore is a simple and straightforward process. As long as you meet the eligibility and income requirements and provide the necessary supporting documents, you should be able to get your new card quickly and easily.
Exclusive Cardholder Privileges
As an HSBC Choice Cardholder in Singapore, you are entitled to a range of exclusive privileges that make your travel and lifestyle experiences even better. Here are some of the benefits you can enjoy:
Airport Lounge Access and Travel Rewards
As an HSBC Choice Cardholder, you can enjoy unlimited complimentary lounge visits to over 1,100 global airport lounges for both primary and supplementary cardholders. This feature is especially useful for frequent travellers who want to relax in comfort before their flights. In addition, you can earn air miles for every dollar you spend on your card, which can be redeemed for flights, hotels, and other travel-related expenses.
Dining, Hotel Partners, and Lifestyle Benefits
HSBC Choice Cardholders can enjoy discounts and exclusive offers at partner hotels, restaurants, and lifestyle establishments. For example, you can get up to 50% off at participating restaurants in Singapore, as well as discounts on hotel stays and spa treatments. In addition, you can earn rewards points for every dollar you spend on your card, which can be redeemed for vouchers, merchandise, and other lifestyle benefits.
If you are an HSBC Premier customer, you can enjoy even more exclusive privileges, such as personalised travel planning and dedicated customer service. You can also participate in the HSBC Everyday+ Rewards Programme, which allows you to earn additional rewards points for everyday spending on your card.
Overall, the HSBC Choice Card is a great option for those who want to enjoy exclusive privileges and rewards while managing their finances. With its range of benefits and features, it is an excellent choice for frequent travellers and those who want to enjoy the best that life has to offer.
Understanding Fees and Charges
When choosing a credit card, it is important to understand the fees and charges that come with it. Here’s what you need to know about HSBC’s Choice Card Singapore fees and charges.
Annual Fee Structure and Waivers
The HSBC Choice Card Singapore has an annual fee of $192.60, which is waived for the first year. However, if you spend at least $12,500 in a year, the annual fee will be waived for the subsequent year.
Interest Rates and Foreign Transaction Fees
The HSBC Choice Card Singapore has an interest rate of 25.9% p.a. on purchases and cash advances. If you use your card outside of Singapore, there is a foreign transaction fee of 2.8% of the transaction amount, which is imposed by the credit card issuer or payment processor.
It is important to note that HSBC has revised its fees and charges starting from 8 January 2024. The changes are for interest rate on cash and purchases, as well as cash advance fee. You can learn more about the revised fees and charges on HSBC’s website.
Other Fees and Charges
HSBC also charges a late payment fee of $100 if you do not make the minimum payment by the due date. If your payment is returned unpaid, you will be charged a fee of $40.
When issuing cheques from your HSBC Singapore account, HSBC will implement charges starting from 1 November 2023. The applicable charges are published in HSBC’s Fee and Charges Document.
It is important to read and understand the terms and conditions of your HSBC Choice Card Singapore to avoid any unexpected fees and charges. Keep in mind that all fees and charges are subject to GST.
If you are looking for a credit card with no annual fees, HSBC has options such as the HSBC Revolution Credit Card and the HSBC Visa Platinum Credit Card. However, these cards may have different fees and charges, so be sure to read the terms and conditions carefully before applying.
Managing Your Card
As an HSBC Choice Card holder in Singapore, you have access to a range of features and benefits that can help you manage your card and protect your account from fraud. Here are some of the key features that you should be aware of:
HSBC Online and Mobile Banking
With HSBC Online and Mobile Banking, you can manage your HSBC Choice Card from anywhere, at any time. You can view your account balance and transaction history, make payments, and set up alerts to keep you informed about your account activity. Additionally, you can use the HSBC Singapore app to access your card details, make contactless payments, and even apply for a virtual card.
Security Features and Fraud Protection
HSBC takes security seriously and has implemented several features to protect your account from fraud. For example, your HSBC Choice Card comes with a chip and PIN technology, which makes it more difficult for fraudsters to steal your card details. Additionally, HSBC has a 24/7 fraud detection system that monitors your account for any suspicious activity. If you notice any unauthorised transactions on your account, you can report them to HSBC immediately by calling the number on the back of your card.
To further protect your account, HSBC also offers marketing consent options and virtual card services. You can opt out of marketing messages and choose to receive only essential messages from HSBC. Virtual card services are also available, which allows you to generate a unique card number for online purchases, protecting your actual card number from online fraudsters.
In conclusion, managing your HSBC Choice Card in Singapore is easy and secure. With HSBC Online and Mobile Banking, you can access your account from anywhere, and with HSBC’s security features and fraud protection, you can rest assured that your account is safe.
Frequently Asked Questions
What exclusive promotions come with the HSBC Choice Card in Singapore?
The HSBC Choice Card in Singapore offers a range of exclusive promotions such as discounts on dining, shopping, travel, and entertainment. You can enjoy up to 50% off at selected merchants, including hotels, restaurants, and lifestyle outlets. Additionally, you can earn reward points for every dollar spent on eligible purchases, which can be redeemed for vouchers, gifts, and air miles.
How can I check my balance on the HSBC Choice Card?
You can easily check your balance on the HSBC Choice Card by logging into your HSBC online banking account. Alternatively, you can check your balance by calling the HSBC customer service hotline or by visiting any HSBC branch in Singapore.
What are the criteria to qualify for an HSBC Revolution Card?
To qualify for an HSBC Revolution Card, you must be a Singaporean citizen or permanent resident, aged 21 or above, with an annual income of at least $30,000. Foreigners with an annual income of at least $40,000 are also eligible to apply.
How does one become eligible for an HSBC Premier account in Singapore?
To become eligible for an HSBC Premier account in Singapore, you must have a minimum of $200,000 in deposits and/or investments with HSBC, or a combination of deposits and/or investments of at least $500,000 with HSBC and other financial institutions.
Which HSBC credit card offers lounge access privileges?
The HSBC Visa Infinite Credit Card offers lounge access privileges at more than 1,000 lounges worldwide, including the Plaza Premium Lounge at Changi Airport.
What are the eligibility requirements for foreigners to apply for an HSBC credit card in Singapore?
Foreigners who wish to apply for an HSBC credit card in Singapore must have a valid employment pass, a minimum annual income of $40,000, and a credit history in their country of origin. They may also be required to provide additional documents such as proof of income and residence.