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  • Credit Card BYTES FROM OUR KITCHEN

    HSBC Credit Card

    HSBC offers a wide range of credit cards that offer traditional facilities along with special discounts and offers. HSBC offers credit cards with reward programs, balance transfer facility, etc. You get interest-free periods if you pay the entire bill in full each month. You get to select from a wide range of credit cards such as exclusive cards, rewards cards, cashback cards, and air miles cards.

    Why Choose HSBC Credit Card

    HSBC offers a lot of benefits and privileges with their credit cards. They also offer many services that make owning a credit card convenient. You can manage the credit cards through internet banking from any location. The credit cards also offer SMS enquiry, and auto bill payment facility is available. You can give standing instructions for paying your bills on a certain date each month. With the phone banking facility, you needn’t visit the bank branch for most banking-related work.

    Benefits of HSBC Credit Cards

    The following are the various features and benefits of HSBC Credit Cards:

    • HSBC offers credit cards that are Shariah-compliant.
    • You can transfer the balance from another credit card to HSBC credit cards.
    • The transactions are safe they use different layers of security.
    • You get interest-free periods for paying the bills provided you pay the balance in full each month.
    • The credit cards offer Takaful protection against loss, theft, or fraudulent use of the card.
    • You get travel insurance of up to RM1.5 million.
    • You can withdraw cash from any ATM when you are in dire need of cash. You must know that the interest is higher for cash advances and it is charged from the day you withdraw cash.
    • You can convert your high-ticket item purchases to 0% installment for up to 36 months. This facility is available at over 500 merchant outlets.
    • You get an exclusive discount for shopping, travel, dining, and health & beauty.
    • Cash installment plan is available and the maximum amount of CIP application is 95% of your credit limit.
    • When you spend a minimum of RM500 on your HSBC Credit Card, you can apply for balance conversion plan.
    • You can transfer outstanding balance from another credit card to HSBC Credit Card. The finances will be consolidated to one account and it will be easier to manage. You also get 3% interest for the first month and 0% for the next 5 months. A balance transfer can help you save a lot in the long run.

    Types of Credit Cards Offered by HSBC

    The following are the various credit cards offered by HSBC:

    1. HSBC Premier Travel Credit Card:
      • This card can prove to be your best companion when you are travelling overseas. You can earn 1.1 Air Miles for every RM1 spent overseas. You get complimentary access to over 750 airport lounges worldwide. You get unlimited Wi-Fi through Boingo as it has over 1 million hotspots around the world. You get a complimentary Uber rider worth RM80 at home or when you are abroad. The complimentary Uber ride is offered when you purchase an airline ticket worth RM2,500 with your credit card. You get 50% off on Singapore Airlines, Malaysia Airlines, AirAsia, and Cathay Pacific. You get 10,000 Air Miles when you sign up as the HSBC Premier Customer.
      • You can get a discount on Agoda and Expedia hotel bookings. The minimum income required is RM36,000 and you must be an exclusive HSBC Premier account holder with RM200,000 total relationship balance with HSBC. The annual fee for the first year is waived. The annual fee for subsequent years will be waived when you spend RM45,000 and above annually. You can get travel insurance coverage worth RM750,000 when you purchase your air tickets with this card.
      • You can transfer the balance from another credit card to HSBC credit card. The other services available are card balance conversion plan, card installment plan, 20-days grace period, internet banking, and cash advance.
    2. HSBC Premier World MasterCard:
      • You get to enjoy annual fee waiver if you spend at least once monthly for consecutive 12 months. This card is offered to HSBC Premier Account holders who have a minimum of RM200,000 balance with HSBC. You can earn 10x Reward Points on overseas dining spend and hotel room. You can earn 8x Reward Points at The Gardens Mall and Mid Valley Megamall. You can earn 5x Reward Points on room and dining spend at local hotels, airline ticket booking, all spend at 30 participating malls in Malaysia. You earn 1x Reward Points on all the other spends.
      • You get complimentary visits to Plaza Premium Lounge. You can access Wi-Fi while you are travelling through Boingo Preferred Plan Account. You get a complimentary ride at home or when you are travelling. You get Uber rides worth RM80 for free when you spend a minimum of RM2,500 on airline tickets.
      • You get to World MasterCard benefits, MasterCard Global Concierge Services, Worldwide Safety Net, and Round the Globe Protection. You get a travel and flight accident coverage of up to RM750,000.
      • You are entitled to HSBC VIP Rewards Programme, VIP SmartPrivileges Programme, and Home & Away Programme.
      • You get cash advance facility, balance transfer plans, and 20 days grace period on shopping transactions. The other services available are internet banking, auto bill payment, SMS balance enquiries, e-statement, and phone banking.
    3. HSBC Visa Signature Credit Card:
      • You get to enjoy annual fee waiver if you spend at least once monthly for consecutive 12 months. You can avail this card if your minimum annual income is RM100,000. You can earn 10x Reward Points on overseas dining spend and hotel room. You can earn 8x Reward Points at The Gardens Mall and Mid Valley Megamall. You can earn 5x Reward Points on room and dining spend at local hotels, airline ticket booking, and all spend at 30 participating malls in Malaysia. You earn 1x Reward Points on all the other spend.
      • You get 4 complimentary visits to Plaza Premium Lounge. You also get to enjoy a host of premium privileges from Visa. You get a travel and flight accident coverage of up to RM750,000. You are entitled to HSBC VIP SmartPrivileges Programme, VIP Rewards Programme, and Home & Away Programme.
      • You get balance transfer plans, cash advance facility, and 20 days grace period on shopping transactions. The other services available are internet banking, SMS balance enquiries, auto bill payment, e-statement, and phone banking.
    4. HSBC Visa Platinum Credit Card:
      • You get to enjoy annual fee waiver if you spend at least once monthly for consecutive 12 months. You can avail this card if your minimum annual income is RM36,000. You can earn 8x Reward Points at The Gardens Mall and Mid Valley Megamall. You earn 1x Reward Points on every RM1 spent.
      • You are entitled to HSBC Rewards Programme, SmartPrivileges Programme, and Home & Away Programme. You get balance transfer plans, cash advance facility, and 20 days grace period on shopping transactions. The other services available are internet banking, SMS balance enquiries, auto bill payment, e-statement, and phone banking.
    5. HSBC Advance Visa Platinum Credit Card:
      • You get to enjoy annual fee waiver if you spend at least once monthly for consecutive 12 months. You can avail this card if your minimum annual income is RM36,000. You get 3x Reward Points every time you spend online. You can also earn 3x Reward Points on standing instruction and auto-billing. The Reward Points can be redeemed for dining deals, gifts, travel packages, shopping vouchers, and flight tickets. You get 1x Reward Points for all other purchases. You get an annual fee waiver if you become HSBC Advance customer.
      • You get to enjoy a host of premium privileges from Visa. You are entitled to HSBC Rewards Programme, SmartPrivileges Programme, and Home & Away Programme. You can get cash advances, transfer the balance from another credit card, and get to enjoy 20 days grace period on shopping transactions.

    Eligibility Criteria to get HSBC Credit Card

    You are required to meet the following eligibility criteria to get an HSBC Credit Card:

    • Minimum age to apply for a principal card – 21 years.
    • Minimum age to apply for a supplementary card – 18 years.
    • Minimum annual income – RM36,000 p.a. to RM100,000 p.a.

    Documents Requirements to apply for HSBC Credit Card

    You are required to submit the following documents when you apply for an HSBC Credit Card:

    • Salaried employee:
      • Multinational, Semi-Government, Government, or Public Listed Companies:
        • Recent utility bills if the address on MyKad is different from residential address.
        • Photocopy of MyKad.
        • Latest Income Tax Return.
        • Latest Form EA.
        • Latest EPF statement.
        • Latest month’s salary slip.
        • Letter of confirmation from the employer, if employed for less than 3 months.
      • Other companies:
        • A copy of MyKad.
        • Latest month’s salary slip.
        • Bank statement showing latest 3 months’ salary credit.
        • Recent utility bills if the address on MyKad is different from residential address.
        • Latest Form EA.
        • Latest Income Tax Return.
        • Latest EPF statement.
    • Self-employed:
      • A copy of MyKad.
      • Recent utility bills if the address on MyKad is different from residential address.
      • Latest Form B.
      • Latest EPF statement.
      • Latest Income Tax Return.
      • Latest 6 months’ bank statement.
      • Photocopy of Business Registration Form.
    • Expatriate:
      • Latest month’s salary slip.
      • A copy of Passport showing work permit and personal details.
      • Minimum income RM10,000 per month.
      • Must be working for Public Listed Company, government, semi-government, or HSBC Corporate Lending Employers.
      • Latest confirmation from the employer which states the remuneration, position, and duration of employment.
    • Supplementary card applicant: Should submit a copy of MyKad.

    HSBC Credit card Promotion

    The following are the various promotions that you can avail when you spend on your HSBC Credit Card:

    • Get rewarded with up to RM240 Cash Back when you pay bills with HSBC Personal Internet Banking
    • Enjoy 18% OFF* total bill at O'Briens, Suria KLCC and 1 Utama Shopping Centre.

    HSBC Balance Transfer

    You can consolidate the balance from different credit cards by transferring it to HSBC Credit Card. You can manage your finances with ease. You will only have to pay one repayment each month. You can save on the interest as well as when you transfer the balance, you are charged 3% interest in the first month and 0% interest for the next 5 months. That is sufficient time for you to clear out a huge chunk of the balance.

    You can use the online balance transfer savings calculator to determine if it is beneficial for you to transfer the balance to HSBC Credit Card. You can apply for the balance transfer online as well. The minimum outstanding balance that can be transferred is RM1,000. The maximum balance that can be transferred is up to 95% of the HSBC Credit Card limit.

    You will be notified about the balance transfer application process within 15 days. The balance transfer programme is applicable for new primary HSBC Credit Cardholders and existing primary HSBC Credit Cardholders who apply for the 2nd HSBC Credit Card.

    Plan 1 - You are charged 3% interest in the first month and 0% interest for the next 5 months. The interest rate for 6 months is 4.99% p.a. and 6.99% p.a. for 12 months. This promotion is valid until 31st December, 2017.

    Plan 2 – 8.99% interest is charged per year on the amount transferred for 12 months from the date of approval.

    Plan 3 – 5.99% interest is charged per year on the amount transferred for 6 months from the date of approval.

    Fees and Charges

    The following are the applicable fees and charges which will help you understand your card and its services better:

    Annual fee – Principal card

    Platinum – RM254.40

    Premier MasterCard – Waived

    Premier Travel MasterCard – RM636, waived for the 1st year

    Advance Visa – Waived

    Signature Visa – RM636

    Annual fee – Supplementary card

    Platinum – RM127.20

    Premier MasterCard – Waived

    Premier Travel MasterCard – Waived

    Advance Visa – Waived

    Signature Visa – RM318

    Finance charge – Purchases 15% p.a. – 18% p.a.
    Finance charge on cash advance 18% of the amount.
    Finance charge on balance transfer 18% of the amount transferred.
    Cash advance fee RM15 or 5.3% of the amount, whichever is higher.
    Minimum monthly repayment RM50 or 5% of the outstanding amount, whichever is higher.
    Overlimit fee Not applicable.
    Late payment fees 1% of the outstanding amount or RM10, whichever is higher.
    Interest-free period 20 days.
    Overseas transaction conversion rate 1.25% plus the rate determined by Visa or MasterCard.
    Sales draft retrieval request fee RM21.20 per copy.
    Replacement card fee RM50 per card.
    Refund of credit card excess through MEPS Interbank GIRO and Cashier's Order RM2.12 per transaction.
    Credit card statement retrieval Statement is 12 months old or less – RM2.12 per page. Statement is more than 12 months old – RM21.20 per request plus RM2.12 per page.

    How to apply for an HSBC Credit Card?

    You can download the application form from the HSBC website. You are required to fill out all the details and submit it along with the documents required.

    You can also walk into the nearest HSBC branch and fill out the application form.

    How to Increase HSBC Credit Card limit?

    You can apply for a credit limit increase by submitting your latest income documents. By giving you the option to increase the credit limit, you can be at peace and can avail greater financial flexibility. It can help you make a big purchase or plan an overseas trip. If your application is approved, you will get an SMS on the status of the credit limit increase within 5 days of submitting the application. Your new credit limit will be ready for immediate use once you receive the SMS. The new credit limit will be reflected on your credit card statement for the next month.

    You are required to submit the following documents and update them while filling out the credit limit increase application form online:

    • Variable income earners:
      • Latest EA Form.
      • Latest 3 months’ payslip.
      • Latest EPF statement.
      • Latest BE Form with LHDN Receipt.
    • Self-employed:
      • Latest 6 months’ bank statement.
      • Latest B Form with LHDN Receipt.
      • Business Registration Form or Form 24,29
    • Salaried earner:
      • Latest EA Form.
      • Latest 1-month payslip.
      • Latest EPF statement.
      • Latest BE Form with LHDN Receipt.

    HSBC Credit Card Customer Care / Hotline Number

    You can reach the HSBC Bank in Malaysia through 1300-88-1388 or +603-8321-5400.

    The Visa emergency assistance numbers are:

    • Australia: 1800-450-346.
    • Singapore: 800-4481-250.
    • USA: 1866-765-9644.
    • UK: 0800-169-5189.

    The MasterCard Global service numbers are:

    • Malaysia: 1800-80-4594.
    • Overseas: 1636-722-7111.

    The Credit card activation and Card PIN Hotline numbers are:

    • Local: 03-8321-8999.
    • Overseas: +603-8321-8999.

    HSBC Credit Card FAQs

    Q. What are the finance charges applicable?

    A. The applicable finance charges are 15% - 18% p.a. which are charged on purchases, cash advance, and balance transfer.

    Q. Can I apply for a balance conversion plan?

    A. Yes, you can apply for a balance conversion plan when you spend a minimum of RM500.

    Q. What is the maximum amount available under Cash Installment Plan?

    A. The maximum amount of CIP application is 95% of your credit limit.

    Q. Can I increase my credit limit if my salary has increased?

    A. Yes, you can increase your credit limit if your salary has increased. You can fill out the application form online and submit your salary documents.

    Q. Can I get travel insurance coverage with my HSBC Credit Card?

    A. Yes, you get travel insurance coverage on certain HSBC Credit Cards provided you bill the entire travel fare to the credit card.

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