HSBC Visa Signature Credit Card
Unlock exclusive privileges with 8x reward points and shopping discounts. Enjoy the first year free, and waived in the following years, provided you achieve an annual spend of RM24,000.
Free for the first year!Product summary
- Min. Income
- RM8,500/month
- Annual Fee
- Free*
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
Get a FREE
Apple MacBook Air M4
worth RM4499
when you apply through RinggitPlus *
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Hear from our users
Rewards
Earn 8x reward points on overseas and online spending using foreign currencies, while 5x reward points are earned when you spend on local shopping and online using Ringgit Malaysia. Collect enough reward points and you will get to redeem them with various items via HSBC Rewards Programme.
| Earn | Spend |
|---|---|
| 8 points on every RM1 | on overseas and online spend in foreign currency |
| 5 points on every RM1 | on local in-store shopping and online spend in Ringgit Malaysia |
Travel
Get complimentary 6x lounge visits per year to participating Plaza Premium Lounges in KLIA, Hong Kong International Airport and Singapore Changi Airport for primary cardholders. Additionally, 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.
Balance Transfer
Start managing your credit card debt with the HSBC Balance Transfer Instalment program for 12 months with a low 3.88% one-time upfront fee.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 months | 0% p.a. and 3% one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Keeping tabs on that dream item of yours? Convert it to zero interest instalment for as long as 36 months at participating merchants.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 12 months | 0% p.a. and no one-time upfront handling fee | RM1,000 |
| 18 months | 0% p.a. and no one-time upfront handling fee | RM1,500 |
| 24 months | 0% p.a. and no one-time upfront handling fee | RM2,000 |
| 36 months | 0% p.a. and no one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM600 primary card
Free for first year, and waived in the subsequent years when you meet annual spending of RM24,000 (effective 1st September 2025).
- RM300 supplementary card
- RM600 primary 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
- 18%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM102,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- 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
- Take care of your immediate needs with HSBC. New-to-card customers get as low as 3.88% p.a. while existing-to-card customers enjoy 4.88% p.a. over a 12-month tenure. Both customers have the flexibility to borrow up to 60% of their credit limit. Reach out to the bank for more details!
- Balance Transfer Plans
- HSBC Balance Transfer Instalment
- Enjoy a low 3% one-time upfront payment fee and have the flexibility to stretch your payment over a 12-month tenure. Get back in control of your finances!
Review
HSBC Live+ Credit Card
- Min. Income
- RM8,500/month
- Annual Fee
- Free*
- Cashback
- up to 5%
HSBC Visa Signature Credit Card
- Min. Income
- RM8,500/month
- Annual Fee
- Free*
- Cashback
- No
HSBC TravelOne Credit Card
- Min. Income
- RM8,500/month
- Annual Fee
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- Cashback
- No
HSBC Platinum Credit Card
- Min. Income
- RM8,500/month
- Annual Fee
- Free*
- Cashback
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HSBC Amanah MPower Platinum Credit Card-i
- Min. Income
- RM8,500/month
- Annual Fee
- Free*
- Cashback
- up to 8%
HSBC Premier World Mastercard Credit Card
- Min. Income
- N/A
- Annual Fee
- Free
- Cashback
- No
HSBC Amanah Premier World Mastercard Credit Card-i
- Min. Income
- N/A
- Annual Fee
- Free
- Cashback
- up to 1%
HSBC Premier Travel Credit Card
- Min. Income
- N/A
- Annual Fee
- Free*
- Cashback
- No
