General Credit Card

How long will it take to get my new credit card?

Once we receive your application and supporting documents, we'll process your application within six working days. If your application is approved, we'll send out your new credit card within three working days.

Private label cards

What are the advantages of private label cards?

With a private label card, you can enjoy exclusive year-round discounts, birthday offers and exclusive promotions from the specific merchant associated with your card.

Rewards

Am I eligible for the RewardsCash Programme?

HSBC personal credit cards cardholders are eligible to participate in the RewardCash Programmes. Standalone private label card and iCAN cardholders are not eligible for the programme.

HSBC Reward+ App

What information is shown in the "Discover" function?

"Discover" displays all the latest offers and promotions of HSBC credit cards as well as offers and promotions exclusive to Reward+. You can register offers and promotions on "Discover".

Apple Pay

What is Apple Pay?

Apple Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. It provides a fast, easy and private way to pay in stores using your compatible iPhone or Apple Watch, and within some apps on your compatible iPhone or iPad. Simply add your HSBC Visa or MasterCard or UnionPay Dual Currency Credit Card to Apple Wallet and you can make payments using Apple Pay.

Google Pay

What is Google Pay?

Google Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. It provides a simple and secure way to pay using your compatible Android devices. Choose your device and add your HSBC credit card to Google Pay app to make transactions with your Android device in stores or in app.

Samsung Pay

What is Samsung Pay?

Samsung Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. Samsung Pay is a secure and easy-to-use mobile payment service which employs Magnetic Secure Transmission (MST) and Near Field Communication (NFC) technology, making it available almost anywhere accepting credit cards. Add your HSBC credit card to Samsung Pay app to make transactions with your Samsung device in stores or in app.

Cash Instalment plan

Do I save interest expenses by making early repayment of Cash Instalment Plan?

The Monthly Instalment Amount is calculated by dividing the aggregate of the Loan and all the handling fees by the relevant number of instalments. The same handling fee will be charged for each instalment. You can choose to make early repayment, however, the total outstanding principal amount plus an early repayment fee calculated at 2% of such outstanding principal amount will be charged. If you choose to pay off the loan early, the loss may outweigh the gain as the amount of handling fee saved may not be enough to cover the relevant fees and charges for early repayment. You may contact us to check about the total amount involved in early repayment (including outstanding principal amount, early repayment fee and other fees, etc.). You should then compare the outstanding handling fee and early repayment fee and consider carefully before making a decision of repaying early or not.

Can I request to make early repayment of the total outstanding amount? 

You can choose to make early repayment, however, the total amount of outstanding principal amount plus an early repayment fee calculated at 2% of such outstanding principal amount will be charged. Therefore, you are advised to make careful consideration before making any early repayment decision. 

How long will it take and what will be the total cost to fully repay the Cash Instalment Plan by making minimum payments only?

INFORMATION REGARDING MAKING MINIMUM PAYMENT


The below examples are for illustration only. For customized information, please refer to our HSBC website (Borrowing>Credit Cards>Credit Card Repayment Calculator)

If you make no additional charges, purchases and cash advances on this card and each month you pay…
You will pay off the outstanding balance* of HKD20,000 in about... 
and you will end up paying an estimated total of...

Only Minimum Payment Due

(Including 1% of monthly instalment principal amount)

26.3 years** 
HKD70,510***
HKD888
3 years**

HKD31,957***

(Savings=HKD38,553)

INFORMATION REGARDING MAKING MINIMUM PAYMENT


The below examples are for illustration only. For customized information, please refer to our HSBC website (Borrowing>Credit Cards>Credit Card Repayment Calculator)

If you make no additional charges, purchases and cash advances on this card and each month you pay…

Only Minimum Payment Due

(Including 1% of monthly instalment principal amount)

You will pay off the outstanding balance* of HKD20,000 in about... 
26.3 years** 
and you will end up paying an estimated total of...
HKD70,510***
If you make no additional charges, purchases and cash advances on this card and each month you pay…
HKD888
You will pay off the outstanding balance* of HKD20,000 in about... 
3 years**
and you will end up paying an estimated total of...

HKD31,957***

(Savings=HKD38,553)

* The outstanding balance of HKD20,000 is accrued from purchase only.
** Assume repayment is made on or before the payment due date of each statement month.
*** Include the outstanding balance of HKD20,000 and the total finance charge which is accrued daily and calculated at an interest rate of 2.625% per month (equivalent to an annualised percentage rate of 36.43% on purchase and 37.75% on cash advance) on the outstanding balance until it is fully paid.

Cash Credit Plan

Do I need to provide supporting documents to apply for the Cash Credit Plan?

No. You can withdraw money from your HSBC credit card account to your designated HSBC personal bank account with no supporting documents.

Spending Instalment plan

Can I request to make early repayment of the total outstanding amount? 

You can choose to make early repayment, however, the total amount of outstanding monthly handling fee for the remaining Instalment Period plus any interest (if applicable) and an administration fee of HKD300 will be charged. Therefore, you are advised to make careful consideration before making any early repayment decision. 

How long will it take and what will be the total cost to fully repay the Spending Instalment Plan by making minimum payments only?

INFORMATION REGARDING MAKING MINIMUM PAYMENT

 

The below examples are for illustration only. For customized information, please refer to our HSBC website (Borrowing>Credit Cards>Credit Card Repayment Calculator)

If you make no additional charges, purchases and cash advances on this card and each month you pay…
You will pay off the outstanding balance* of HKD20,000 in about... 
and you will end up paying an estimated total of...

Only Minimum Payment Due

(Including 1% of monthly instalment principal amount)

26.3 years** 
HKD70,510***
HKD888
3 years**

HKD31,957***

(Savings=HKD38,553)

INFORMATION REGARDING MAKING MINIMUM PAYMENT

 

The below examples are for illustration only. For customized information, please refer to our HSBC website (Borrowing>Credit Cards>Credit Card Repayment Calculator)

If you make no additional charges, purchases and cash advances on this card and each month you pay…

Only Minimum Payment Due

(Including 1% of monthly instalment principal amount)

You will pay off the outstanding balance* of HKD20,000 in about... 
26.3 years** 
and you will end up paying an estimated total of...
HKD70,510***
If you make no additional charges, purchases and cash advances on this card and each month you pay…
HKD888
You will pay off the outstanding balance* of HKD20,000 in about... 
3 years**
and you will end up paying an estimated total of...

HKD31,957***

(Savings=HKD38,553)

* The outstanding balance of HKD20,000 is accrued from purchase only.
** Assume repayment is made on or before the payment due date of each statement month.
*** Include the outstanding balance of HKD20,000 and the total finance charge which is accrued daily and calculated at an interest rate of 2.625% per month (equivalent to an annualised percentage rate of 36.43% on purchase and 37.75% on cash advance) on the outstanding balance until it is fully paid.

Submit supporting documents

What supporting documents are required for a credit card application?

If you are an existing HSBC customer with payroll account in HSBC and hold a HK Permanent ID Card, NO supporting document is required. If you would like to set up payroll account before applying for a credit card, please complete "Instruction Form for Setting Up/ Transfer of Salary Autopay".


Other customers, please provide:

  1. Copy of HKID Card. If you are not holder of HK Permanent ID Card, please also provide copy of passport and employment contract with a contract period of at least 12 months from the date of submitting the application.
  2. Latest HK residential address proof within latest 3 months i.e. utility bill/ electricity bill/ bank statement. If you have a permanent residential address, please also provide the permanent residential address proof. (waived for existing HSBC customers)
  3. Income/Asset proof:

a) Regular Income Earner: latest 1 month bank book/statement/eStatement/online transaction history (showing applicant's name, account number and monthly income), or latest 1 month salary slip.

b) Irregular Income Earner/Part-timer: latest 3 months bank book/statement/ eStatement/online transaction history (showing applicant's name, account number and monthly income), or latest 3 months salary slip.

c) Self-Employed: latest tax demand note, or latest 3 months' bank book/statement/eStatement/online transaction history (showing company name, account number and transaction history) and current Business Registration Certificate and proof of ownership of business and previous 2 years Tax Return.

d) Others: latest 3 months bank deposit/ bank book/ statement/ eStatement/ online transaction history in Hong Kong (showing applicant's name, account number and transaction history) or regular monthly rental income credited to applicant's bank account and the signed tenancy agreement.