Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    HSBC Amanah MPower Visa Credit Card-i

    HSBC Amanah MPower Visa Credit Card-i is preferred among travellers because it has a myriad of features, services, and benefits that gives its users the flexibility needed to meet their needs. The card has a maximum credit limit of RM75,000.

    Features

    • The cardholder gets a complimentary card (supplementary) along with the primary card.
    • The card offers 20 days interest free period.
    • The card is a cashback card that earns cashback on every expense charged to it.

    Benefits

    • The cardholder can earn up to 0.2% cashback for every RM1 charged to the MPower Visa Credit Card-i for his/her retail transactions.
    • The card provides auto-bill payment benefits to its users. This not only saves time but also ensures hassle free payments.
    • The card provides Smart Privileges Programme benefits that gives competitive deals and special discounts on shopping, accessories, travel, leisure, dining, fashion, online shopping, food and beverages and so much more.
    • Cardholders can access digital banking facilitates banking on the go.
    • Cardholders can enjoy safe and secure banking transactions 24/7.

    Eligibility Criteria

    The eligibility criteria for the HSBC Amanah MPower Visa Credit Card-i cardholders are mentioned below:

    • The minimum age for the principal cardholder is 21 years.
    • The minimum age for the supplementary cardholder 18 years.
    • The minimum annual income required for this card is RM36,000 p.a.

    Fees and Charges

    Type of Fees Charges
    Annual fee – Principal card RM95.40 p.a. However, the annual fee for the principal card is absolutely waived off if the cardholder converts from Advance Visa Platinum card.
    Annual fee– Supplementary  card RM47.70 p.a. However, the annual fee for the supplementary card is waived off if the cardholder converts from Advance Visa Platinum card.
    Fixed Monthly Management Fee RM1,125
    Minimum monthly repayment 5% of the outstanding amount or a minimum of RM50 (whichever is higher).
    Finance charge on cash advance 18% p.a. is charged on cash advance.
    Over Limit Fee N/A
    Cash advance fee For every RM1, 000 advanced, an amount of RM53 will be charged.
    Conversion of Overseas Transaction All the transactions made overseas are converted into Malaysian Ringgit and the conversion rates will be determined by Visa International or MasterCard International plus a 1% foreign currency conversion cost charged by the bank.
    Sales draft retrieval copy RM21.20 per copy.
    Card replacement fee RM50 per card.
    Additional Statement Request Fee If the statement is about 12 months old or less, then the charge is RM2.12 per page. But, if it is more than a year old, then the charge is RM21.20 per request.
    Finance Charges on Balance Transfer Up to 18% p.a. of the amount transferred.
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