HSBC Visa Reward credit card

HSBC Visa Reward

This is a credit card that keeps on giving - get rewarded for all your shopping: local or overseas, lifestyle discounts, and free travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM160.00 annual fee
  • Earn up to 8x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Enjoy 8X Reward Points for every ringgit you spend at Mid Valley Megamall and The Gardens Mall, and up to 5X Reward Points at other participating malls nationwide. For everywhere else, you will get 1 Reward Point for each RM1 spent.
HSBC Rewards
8 points on every RM1at Mid Valley Megamall and The Gardens Mall
5 points on every RM1at other participating malls nationwide
1 point on every RM1on other retail purchases
Your HSBC Rewards earned expires in  3 years
Balance Transfer
HSBC Balance Transfer offers new HSBC cardholders interest payments for as low as 0% p.a. for 3 months - great card to start consolidating your credit card debts from other banks.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
6 months5.99% p.a. and 0% one-time upfront handling feefrom RM1000 
12 months8.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about HSBC Balance Transfer Plan
Home and Away Programme - have special discounts and offers on shopping, entertainment and leisure activities worldwide all year long!
Get rewards wherever you shop with the HSBC SmartPrivileges Programme - With your HSBC Visa Reward Credit Card, get ready for exclusive deals at more than 6,500 shopping merchants nationwide.

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 RM100
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RM15.00 or 5.00% of withdrawn amount, whichever is higher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 Reward review

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

When you find yourself strung out from work, what better way to forget your troubles (if only for an hour or two) than some retail therapy? Introducing the HSBC Rewards Visa credit card, the only "girlfriend" you need when picking out the best dress, heels, or handbag at the shopping mall - tons of reward points, and great deals overseas!

HSBC Rewards Programme

This credit card is a serial swiper's dream - every time you spend RM1 at either Mid Valley Megamall or The Gardens Mall, you will get 8 Reward Points. At other selected shopping malls and departmental stores around the Klang Valley, Johor, Penang, and East Malaysia, you will get 5X Reward Points on each ringgit that you spend on the HSBC Visa Reward credit card. 

On spending elsewhere, you will still get 1 Reward Point for every RM1 spent. The 5X Reward Points/8X Reward Points are only awarded up to a maximum spend amount of RM3,000 per participating month cumulatively in participating shopping malls.

As an HSBC Visa Reward Credit owner, you are instantly entitled to the HSBC Rewards Programme. You can either redeem your reward points online or call 603 8321 5400 or 1 300 88 1388 to exchange your points for great discounts on holiday packages, the latest gadgets, and even cash rebates. Plus, for selected items from the HSBC Rewards catalogue, you will get 500 free HSBC reward points whenever you redeem online! Reward Points earned are valid for up to 3 years. All Reward Points must be redeemed prior to their expiry.

Even More Gifts And Prizes!

Great deals and special discounts at over 6,500 shopping outlets nationwide to be enjoyed with your new HSBC Visa Reward credit card via the SmartPrivileges Programme - fresh and exciting offers to be had every month, experience better savings when you splurge on your credit card!

With the HSBC Home and Away Programme, you will have access to a good mix of perks and benefits the world over. Enjoy the privilege of shopping, fine dining, leisure and entertainment discounts and experience the city just like the locals - truly the world's local bank.

World Class Services

Have the convenience of HSBC online banking, it is simply to register and easy to use. Manage your finances from anywhere at all - check your past transactions from your e-Statements for suspicious activity, or if you simply want to monitor your spending better, in addition to phone banking. Anything to not have to physically go to the bank branch am I right? 

Not only that, get live updates on your account activities via HSBC SMS Alert, and auto bill payments using HSBC Bill Payment using [email protected] and HSBC Telebanking - never forget to pay for your phone or electric bills ever again.

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