HSBC Revolution — 4 mpd on Dining, Online, Contactless & Overseas
A category bonus card earning 4 mpd on dining, online shopping, contactless payments, and overseas spend, each capped at $1,000 per month.
HSBC Revolution Card
HSBC
Annual Fee
$160.50
Minimum Income
$30,000
Key Conditions
- •4 mpd on dining, online, contactless, and overseas — each capped at $1,000/month
- •0.4 mpd on all other spend
- •Multiple bonus categories with separate caps
- •Lowest annual fee among the cards listed at $160.50
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View card details → [Affiliate]Earning Rates
Card information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| DiningDining spend (capped at S$1,000/mo) | 4 mpd |
| OnlineOnline spend (capped at S$1,000/mo) | 4 mpd |
| ContactlessContactless spend (capped at S$1,000/mo) | 4 mpd |
| Foreign CurrencyOverseas spend (capped at S$1,000/mo) | 4 mpd |
| All other spend | 0.4 mpd |
Projected miles at average monthly spend of S$3,000. Adjust spending to match your pattern.
Pick up to 3
Reachable destinations (economy, one-way)
HSBC Revolution Card vs DBS Woman's World Card vs Citi Rewards Card
| At S$3,000/mo | HSBC Revolution Card [Affiliate] | DBS Woman's World Card [Affiliate] | Citi Rewards Card [Affiliate] |
|---|---|---|---|
| Annual miles | 66,240 | 40,320 | 53,280 |
| Dining | 1,200 (4 mpd) | 120 (0.4 mpd) | 1,200 (4 mpd) |
| Groceries | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Transport | 120 (0.4 mpd) | 120 (0.4 mpd) | 1,200 (4 mpd) |
| Online | 1,200 (4 mpd) | 1,200 (4 mpd) | 1,200 (4 mpd) |
| Travel | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Contactless | 1,200 (4 mpd) | 1,200 (4 mpd) | 120 (0.4 mpd) |
| Overseas | 1,200 (4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| bills | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| insurance | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| general | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Annual fee | S$160.5 | S$192.6 | S$192.6 |
| Min income | S$30,000 | S$30,000 | S$30,000 |
Based on publicly listed rates as of April 2026.
About HSBC Revolution Card
The HSBC Revolution Card earns 4 miles per dollar across four bonus categories — dining, online shopping, contactless payments, and overseas transactions — each individually capped at $1,000 per month. At $160.50 annually, it carries the lowest annual fee among the cards compared here. The minimum income requirement is $30,000. The base rate of 0.4 mpd on non-bonus spend is notably low, making the card heavily dependent on category spending to deliver value. The separate $1,000 caps per category mean a cardholder could theoretically earn 4 mpd on up to $4,000 of monthly spend if evenly distributed across all four bonus categories.
Key Features
- •4 miles per dollar on dining (cap $1,000/month)
- •4 miles per dollar on online shopping (cap $1,000/month)
- •4 miles per dollar on contactless payments (cap $1,000/month)
- •4 miles per dollar on overseas transactions (cap $1,000/month)
- •0.4 miles per dollar on all other spend
- •Annual fee: $160.50 — lowest among compared cards
Miles Earning Breakdown
On $3,000 monthly spend, assuming $750 dining (4 mpd), $750 online (4 mpd), $750 contactless (4 mpd), and $750 general (0.4 mpd), the HSBC Revolution could earn approximately 9,300 miles per month. However, each bonus category is independently capped at $1,000/month — spend exceeding $1,000 in any single category drops to 0.4 mpd. The 0.4 mpd base rate means non-bonus spend generates very few miles. Cardholders who concentrate spending in just one or two categories could find the effective earn rate substantially lower than the headline 4 mpd figure.
HSBC Revolution Card vs DBS Woman's World Card vs Citi Rewards Card
Against the DBS Woman's World Card (4 mpd online and contactless with a combined $2,000/month cap), the HSBC Revolution offers more bonus categories (four vs two) with separate $1,000 caps per category. The DBS card has a single combined cap while the HSBC has individual caps, creating different spending dynamics. Compared to the Citi Rewards Card (4 mpd dining, online, and transport, each capped at $1,000/month), both share similar category rates and cap structures but differ in bonus category selection — the HSBC includes overseas and contactless while the Citi includes transport. Rates sourced from bank websites as of April 2026.
Where Does HSBC Revolution Card Earn the Most?
Dining, online shopping, contactless payments, and overseas transactions each earn 4 mpd up to their individual $1,000 monthly caps. Restaurant meals, e-commerce, tap-and-pay transactions, and foreign currency purchases are the four earning pillars. All other spending categories earn only 0.4 mpd.
Frequently Asked Questions
Are the $1,000 caps per category or combined?
The caps are per category. Each of the four bonus categories — dining, online, contactless, and overseas — has its own separate $1,000 monthly cap.
Can a single transaction qualify for multiple bonus categories?
A transaction typically qualifies under only one category based on the merchant category code. For example, an overseas dining transaction may count under either overseas or dining, not both.
What is the effective mpd if I only spend on dining?
If all $3,000 monthly spend is dining, the first $1,000 earns 4 mpd (4,000 miles) and the remaining $2,000 earns 0.4 mpd (800 miles) — an effective rate of about 1.6 mpd overall.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.