The HSBC Pulse Credit Card offers a market-leading 5% cashback on insurance, plus 4% on utilities, 3% on supermarkets, and 1% on all other spending, with no spending cap and a free annual fee. The effective rate across typical monthly expenses is 2.8%, cheaper than the average flat-rate card's 1%. Its 5% insurance category outperforms #1 DBS's grocery-focused rewards, and is 2% higher than the typical rival card's insurance rate, according to HSBC's verified April 2026 data.
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