Is the HSBC Revolution Credit Card or the UOB PRIV Miles AMEX Credit Card more suitable for you? 

Big milestones in your life come with big changes and often big purchases. Planning for your wedding, renovating your home, or making other decisions that may take a significant amount from your funds?  

Minimise that dent in your wallet by using cards that give you the maximum amount of rewards! When a greater amount of spend is at stake, choosing the right payment card becomes more crucial than ever. 

This time, we compare the HSBC Revolution Credit Card against the UOB PRVI Miles American Express Card. 

Eager to find out which can give you more perks and benefits? Let’s find out! 

If you have a monthly expenditure of over $4,170 charged to the card, and are focused on racking up miles… 

You can count on the UOB PRIV Miles AMEX Credit Card.

When looking at the two cards, it may seem that UOB PRIV Miles American Express Credit Card’s miles earn rate of up to 1.4 miles per $1 spend is significantly lower than that of HSBC Revolution Credit Card, at 4 miles per $1 Spend.  

However, the game changer comes for cardholders who spend at least $50k per year, which breaks down to about $4,170 per month charged to the card. If you belong in this group, congratulations! You’ll receive a bonus of 20k loyalty miles in addition to the miles accumulated from your spend. Best part? There’s no cap on miles earned. 

For those planning a renovation or wedding that costs an average of $30,000 to $50,000, charge it to the card to easily hit the benchmark! 

Kdrama and Kpop fans, all set to jet off to South Korea for a vacation? Earn 6 miles for every $1 spent on major airlines and hotels! You’ll also be thrilled with the comprehensive travel insurance offered – complimentary personal accident coverage and emergency medical assistance of up to $500,000. 

The bottom line: Pick this if you anticipate spending at least $50,000 per year and have travel plans in the future. 

If you’re looking for a well-rounded card with fewer card fees, that also double up as an everyday card… 

We’d recommend the HSBC Revolution Credit Card instead.

The 10X reward points perk, on online payments and future travel bookings, is the show-stopper of this card. Imagine getting a furniture haul from online marketplaces and the reward points you could earn! This card is also ideal for booking flights for your next vacation (so many vaccinated travel lanes opening soon!).  

With no annual fees and no supplementary card fees charged, and a lower late payment fee, there are fewer fees that offset the rewards you chalk up with the card. In general, this is a fuss-free card with no spend limit and super straightforward bonus points categories. 

Expatriates, this card also requires a minimum income of just over $40,000 per year, as compared to the $80,000 stipulated by the UOB PRIV Miles American Express Credit Card! 

For everyday use, the 10X rewards points can be earned from food deliveries as well, and payments through the widely accepted Visa payWave. For every other types of spending,  there’s 1x reward point.  

The bottom line: Pick this if your spend on food and online shopping is consistently $1,000 or more, prefer contactless payment, and love easy tracking and redemption of rewards points. 

Real-life situations to help you decide better: 

Fun fact: You can get 2 return tickets from Singapore to Seoul, with Singapore Airlines, with a redemption of 4,312 miles per pax.   

That $50,000 reno spend can hence power a free trip for 2 to South Korea! 

As such, it boils down to the amount of your purchase. For spends of $2,000 and below, the HSBC Revolution card would chalk up more rewards. However, any spend amount above that would mean that reward points are capped at a maximum of 10,000, making the UOB PRIV Miles AMEX credit card your better card. 

An ardent supporter of the HSBC Revolution card? Pay for your big purchases in installments in order to chalk up points without hitting the maximum cap! 

Maximize Your Rewards with CardsPal     

Looking for other ways to earn privileges with your credit card? Don’t worry! In fact, some cards allow you to be rewarded without paying a dime for your annual fees. Read here to find out more. Furthermore, read about common credit card mistakes that lower your credit score here.  

Your credit card also offers deals and discounts at different restaurants and shops where you can enjoy savings upfront. Can’t keep track of the perks that come with your cards? Check out our Cardculator to view card recommendations in 3 categories to give you the best cashback for your spending. 

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