HSBC Revolution Card vs OCBC 365 Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HSBC Revolution Card comes out ahead on estimated net value — about $1,504.20/yr more than the OCBC 365 Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HSBC Revolution Card Best value | OCBC 365 Credit Card |
|---|---|---|
| Issuer | HSBC | OCBC |
| Annual fee | No annual fee | $196.20 / year |
| Welcome bonus | — | — |
| Min. income (monthly) | SGD 30,000 | SGD 30,000 |
| Reward type | points | cashback |
| Headline rate | — | 6% cashback |
| Bonus categories | dining, online, entertainment | fuel, dining, groceries, transport |
| Lounge access | No | No |
| Foreign tx fee | 3.25% | 3.25% |
| Est. net value / yr | $2,856 | $1,351.80 |
| Apply | Apply |
Frequently asked questions
- HSBC Revolution Card vs OCBC 365 Credit Card: which is better?
- On our reference spend profile the HSBC Revolution Card delivers higher estimated net value than the OCBC 365 Credit Card in Singapore, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HSBC Revolution Card and OCBC 365 Credit Card?
- HSBC Revolution Card: No annual fee. OCBC 365 Credit Card: $196.20 / year.
- Which earns more rewards, HSBC Revolution Card or OCBC 365 Credit Card?
- HSBC Revolution Card earns points; OCBC 365 Credit Card earns 6% cashback. We rank by net value after fees, not headline rate alone.