HSBC Visa Gold credit card

HSBC Visa Gold

Indulge in fantastic privileges, tantalising rewards and irresistible offers on shopping, dining, entertainment and travel with your HSBC Visa Gold.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM160.00 annual fee


Because you should be rewarded for giving the bank your business

Earn 1 reward point with every RM1 spent and redeem wonderful deals such as cash back, vouchers, Frequent Flyers Miles, latest digital gadgets, home essentials, health care products, luxury lifestyle items and more.
Automatic flight and travel accident insurance coverage of up to RM1500000. Enjoy HSBC Visa Gold privileges on shopping, dining and travelling in more than 160 countries.
Travel CoverageSum Insured
Travel InsuranceUp to RM1500000
The HSBC Visa Gold Credit Card is recognized across the globe, allowing you the luxury of enjoying the best local offers available. It also entitles you to a year-long special shopping, dining, leisure and entertainment discounts and benefits reserved only for the locals, whenever and wherever you are in the world.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Cash Advance / Cash Loan
HSBC Cash Instalment Plan
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
HSBC Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

HSBC Visa Gold review

What's so good (or not so good) about it?

What’s there not to love about gold? It is a classy and highly priced natural resource. The HSBC Visa Gold credit card just about projects the same alluring appeal.

Reward Points

Earning reward points with HSBC Visa Gold is so simple. One point is awarded for every RM1 charged to the card. Cardholders can visit the HSBC Rewards catalogue online or call to redeem the reward points, anytime, anywhere.

HSBC Visa Gold credit cardholders are spoilt for choice with the variety of offers up for grabs under the HSBC Rewards Programme. They include cash back deals, shopping and dining vouchers, digital gadgets, home appliances, bedding items, health & beauty products, travel packages, kitchen essentials and more. Reward points can also be used to waive the RM160 annual fee. Best of all, the points are valid for 3 years, giving you plenty of time to cash in on the perfect deal.

Lifestyle Privileges

This credit card is truly a dream come true for those who live to shop, dine and entertain. HSBC Visa Gold offers exclusive deals and discounts at more than 6500 retail, dining and entertainment outlets in Malaysia.

Having access to such an extensive network of merchants will surely keep any shopaholic or enthusiastic foodie happy. Moreover, new deals and offers are added every month to help cardholders save even more.

Travel Treats

Travellers who use HSBC Visa Gold are automatically entitled to flight and travel accident insurance coverage of up to RM1500000. Other privileges include shopping, dining and travelling deals in more than 160 countries.

A HSBC Visa Gold cardholder can also travel in comfort and style with airport lounge privileges and emergency helpdesk services. More savings are also installed as the reward points can be used to redeem Frequent Flyer Miles.

Interest Savings

On top of all the exciting offers, HSBC Visa Gold credit card is also designed to help you manage your finances by providing interest rates savings on balance transfer and flexi payment plan. Cardholders who transfer outstanding balances from other credit cards to HSBC Visa Gold will save more with just 3% interest for the first month, and 0% interest for the next 5 months on transferred amount.

The flexi payment plan allows you to purchase expensive items and pay for them over a period of time. Cardholders just need to charge a minimum of RM1000 to this card to qualify for the flexi payment plan of 10 monthly instalments with a one-time upfront interest rate of 3%.

Great Shopping & Travelling Companion

Anyone above 21 years old with an annual income of RM36000 or more can own a HSBC Visa Gold credit card. The RM160 annual fee is great value for money considering the wide array of lifestyle deals which will generate huge savings for cardholders.

The high travel insurance coverage is also most attractive as it gives cardholders on the go peace of mind. HSBC Visa Gold is indeed an ideal choice for those who want to experience life to the fullest.

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