HSBC Visa Signature

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!

HSBC Visa SignatureNo 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 Point 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 all overseas spend
8 points on every RM1on online spend in foreign currency
5 points on every RM1at participating local malls
5 points on every RM1on online retail spends in Ringgit Malaysia


Complimentary 6x lounge access to Plaza Premium Lounge for primary cardholders and 25% off for supplementary cardholders.


Indulge and enjoy special VIP treatment and discounts while shopping at more than 6,500 shopping outlets nationwide. With new and exciting offers every month, you'll be spoilt for choices with the HSBC Visa Signature!

Balance Transfer

For ZERO interest for 6 months, you get to consolidate your outstanding balance to a brand new HSBC credit card! Start afresh and get savings on your previously mismanaged spending.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3% one-time upfront handling feefrom RM1,000
6 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about HSBC Balance Transfer Plan

Easy Payment Plans

Keeping tabs on that dream item of yours? Convert it to low interest rates installment 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 swipe 12 times with no minimum spend each year

  • 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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
HSBC Card Instalment Plan
Enjoy 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 Plan
Low interest rates for brand new HSBC cardholders! HSBC Balance Transfer helps you get back in control of your finances.


HSBC Visa Signature - More reward points

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 Malaysia, you can get 5x Reward Points at the participating local malls such as Mid Valley Megamall and The Gardens Mall among others. 

That's not all, for every Ringgit spend online, you can collect 5x Rewards Points.

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 & shopping vouchers, electronic gadgets, home & kitchen appliances, air miles, fee waivers, lifestyle items, travel accessories and more, which you can redeem within 3 years.

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 Priority Passes to Plaza Premium Lounges in airports nationwide.

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

Interest Savings

HSBC Balance Transfer Programme is also one of the features under this credit card.

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

You can pay off the combined balances at 3% interest for the first month and 0% interest for the remaining 5 months to save on interest payments.

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 its class and deserving every Ringgit of the RM636 annual fee.

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