HSBC Visa Signature Credit Card

Swipe your way to exclusive benefits and privileges including 8x reward points and shopping discounts. It's your VIP access to the world around you! Swipe 12x in a year and meet annual spending of RM2,000 to enjoy an annual fee waiver.

HSBC Visa Signature Credit CardNo annual fee after 12X swipes in a year
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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Get 1x Reward Points plus up to 7x Additional Reward Points for every Ringgit spent with HSBC Visa Signature, capped at 30,000 Additional Reward Points per month per eligible cardholder.

HSBC Reward Points
8 points on every RM1on overseas spend in foreign currency
8 points on every RM1on online spend in foreign currency
5 points on every RM1on local in-store shopping transactions under the eligible Merchant Category Code (MCC) in Ringgit Malaysia
5 points on every RM1on online retail spends in Ringgit Malaysia


Get complimentary 6x lounge visits per year to participating Plaza Premium Lounges in selected airports for primary cardholders. Plus, 25% off for your accompanying guest(s) aged 12 years and above and 30% off for accompanying guest(s) aged between 3 to 12 years on the applicable charges. Terms and conditions apply.


This card is available with Apple Pay. Indulge in special VIP treatment and discounts while shopping at selected shopping outlets nationwide. With new and exciting offers every month, you'll be spoilt for choices with the HSBC Visa Signature! And if you always shop online, get your online purchases covered for up to USD200 via the E-Commerce Purchase Protection. Additionally, make a donation to any cause of your choice, and the bank will contribute 1% to its supported charities.

Balance Transfer

Start managing your credit card debt with the HSBC Balance Transfer Instalment programme with 0% interest and low upfront fees.

Pay OverWith Interest Rate AtWhen You Transfer
3 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.88%one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Instalment

Easy Payment Plans

Keeping tabs on that dream item of yours? Convert it to low-interest rates instalment for as long as 36 months at participating merchants.

HSBC Card Instalment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,500
24 months0% p.a. and no one-time upfront handling feeRM2,000
36 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about HSBC Card Instalment Plan

Fees & Charges

Annual Fee
  • RM600 primary card

    Waived when you do 1x swipe once a month for 12 consecutive months, and meet annual spending of RM2,000

  • RM300 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
HSBC Card Instalment Plan
Enjoy a 0% interest rate on tenure as long as 36 months at zero fees. Never have to worry about money when you can convert it HSBC Card Instalment Plan.
Cash Advance / Cash Loan
HSBC Cash Instalment Plan
Borrow up to 95% of your credit limit at a low flat rate and pay over 60 months. Your immediate needs will be taken care of with cash from HSBC.
Balance Transfer Plans
HSBC Balance Transfer Instalment
Enjoy low-interest rates and have the flexibility to stretch your payment over a 3-month, 6-month or 12-month tenure. Get back in control of your finances!


More reward points with HSBC Visa Signature Credit Card

HSBC Visa Signature is one of the few credit cards in Malaysia which offers generous Reward Points for every RM1 charged to the premier credit card. 

Reward Points are awarded based on approved categories and enhanced with Additional Reward Points, subject to terms and conditions.

When you shop in-store at the eligible Merchant Category Code (MCC) in Malaysia, you can get 5x Reward Points! That's not all, for every Ringgit spend online, you can collect 5x Rewards Points as well. 

No, we're not done yet. You can enjoy 8x Reward Points when you spend on all retail overseas, as well as on online spending made in foreign currency. 

For all the other spending, you will be rewarded with 1x Reward Point on each RM1 you swiped.

A wide range of offers is available such as dining and shopping vouchers, electronic gadgets, home and kitchen appliances, air miles, fee waivers, lifestyle items, travel accessories and more, which you can redeem within 3 years.

If you need more details on the reward points, you can check out the terms and conditions here.

Awesome travel benefits

The travel perks under this HSBC credit card are designed to enhance cardholders’ pleasure and peace of mind when they go abroad. 

In addition to the reward points they can collect on hotel and dining expenses, cardholders will also receive 6x complimentary visits per year to selected Plaza Premium Lounges in selected airports. If you are travelling with guest(s) aged 12 years and above, they can get a 25% discount off the applicable charges, while accompanying guest(s) aged between 3 to 12 years can get a 30% discount. 

Also, you redeem many exciting offers in the Home & Away Privilege Programme which include shopping, dining and entertainment discounts and exclusive deals at 19,000 outlets in more than 160 countries.

Interest savings

The HSBC Balance Transfer Instalment programme is also one of the features of this credit card.

Cardholders can transfer outstanding balances from other credit cards or charge cards to HSBC Visa Signature credit cards for easy management.

HSBC Visa Signature application requirements

With a minimum annual income requirement of RM72,000, not many people can qualify to apply for this HSBC credit card. 

But for those who can, the rewards and travel privileges offered are definitely the best in their class and deserve every Ringgit of the RM600 annual fee.

Foreigners with a permanent resident (PR) or on spouse visas can also apply for HSBC Visa Signature, but you'll need to earn a minimum income of RM120,000 annually in order to apply. 

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