I would like to say that I don’t know what put me off applying for this card for so long, but honestly, I do. It’s the incredibly convoluted instructions that HSBC attaches with this card. 

In my pursuit of a dining card, I more or less looked through everything, even the unicorn UOB PP Amex. You might ask, if you were willing to try so hard for a card that was allegedly demarketed, why not for the HSBC Advance, which was very much alive and kicking at that point? Well, take a look at this:

To qualify for HSBC Advance, you need to be at least 18 years old. The monthly service charge of S$10 will be waived if you fulfil any of the following eligibility criteria:

  • Total Relationship Balance of at least S$30,000 in deposits, investments and/or insurance, with 6 months’ grace period to place in your funds
  • Home Loan with an initial loan quantum of at least S$200,000
  • Salary credit of S$3,750 per month, with 24 months grace period from Advance relationship opening to reach Total Relationship Balance of at least S$30,000
  • Reoccurring deposit of at least S$2,500 per month, with 24 months grace period from Advance relationship opening to reach Total Relationship Balance of at least S$30,000

The only clause in this I qualify for might be the S$2,500 recurring deposit, since my salary sits in my UOB account, and my investments are scattered all over the place. So I called and asked the CSO – who told me that you needed to have S$30,000 first, then continue with a S$2,500 deposit. Which counteracts the instructions above, I know, but maybe my angmoh is the one that is not good leh?

Then I met Sasha, who is my current relationship manager, who very kindly clarified everything for me and put up with my naggy SMSes and got the Advance account set up for me. This was mid-May, and the 10X Rewards promotion was due to end May 31. No problem, I thought, it’d be extended again, it’s already been extended so many times.

Wrong.

I got my card May 24, and then I heard whisperings of how it was going to turn into a cashback card.

Life can be a bitch sometimes.

So yes, having been misled by a CSO, going down to the branch to set up the account and then finally getting the card set up only for it to be turned into a cashback card.. what can I say, at least there’s a suitcase with a min. spending of S$500 monthly. As long as I get that, I suppose?

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