DBS Live Fresh Card vs HSBC Red Credit Card
Compare DBS Live Fresh Card, HSBC Red Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 DBS Live Fresh Card |  HSBC Red Credit Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 36Basic | 63Good Highest |
|---|---|---|
| Cashback | 75/100 | 99/100Highest |
| No annual fee | 43/100 | 77/100Highest |
| Rewards | 8/100 | 35/100Highest |
| Sign-up bonus | 20/100 | 41/100Highest |
The basics
| Card tier | Platinum | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | DBS$ | HSBC RewardCash |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | Not published |
|---|---|---|
| Minimum income | HK$150,000 p.a. | HK$120,000 p.a.Lowest |
| Residency | Hong Kong resident | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 60 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the credit card account; or HK$300, whichever is higher plus any outstanding minimum payment. | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or HKD300, whichever is higher; plus overdue or overlimit due |
Rates & fees
Ongoing interest rates
| Purchases | 31.10% p.a.Lowest | 31.80% p.a. |
|---|---|---|
| Cash advances | 29.42% p.a.Lowest | 31.80% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | 4% of the amount | 1% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$350 | HK$300Lowest |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | None | None |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | — | — |
| Points expiry | — | — |
| Estimated annual points | – | – |
Sign-up bonus
| Sign-up bonus | 500 points | 650 pointsHighest |
|---|---|---|
| Bonus spend required | Accumulated Eligible Spending of HK$5,000 or above | — |
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | 6% on eligible spend | 4% on eligible spend |
| Cashback cap | Up to 6% cash rebate: 5% on chosen category plus 1% on online foreign currency spending | HK$400 per month |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards