HSBC Visa Signature Credit Card
Swipe your way to exclusive 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.
No annual fee after 12X swipes in a yearProduct summary
- Min. Income
- RM6,000/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
JBL Authentics 500
worth RM3699
when you apply through RinggitPlus *
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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 programme with 0% interest and low upfront fees.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 3 months | 0% p.a.and no one-time upfront handling fee | from RM1,000 |
| 6 months | 0% p.a. and 1.88%one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 3.88%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
Waived when you do 1x swipe once a month for 12 consecutive months, and meet annual spending of RM2,000
- 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
- RM72,000
- 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 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!
Review
Credit Card » HSBC
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- Annual Fee
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- Cashback
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- Annual Fee
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- Cashback
- No
