HSBC Visa Signature credit card

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!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM636.00 annual fee
  • Earn up to 8x reward points 

Cook With Ease! Get A free Riino Pressure Cooker with Your New HSBC Credit Card

Cook With Ease! Get A free Riino Pressure Cooker with Your New HSBC Credit Card

Apply online now for HSBC Visa Signature

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Because you should be rewarded for giving the bank your business

New credit cardholders, you can get up to 100K Reward Points when you apply, activate and swipe your new HSBC Visa Signature credit card. For every spend overseas and locally, you will get additional Reward Points, capped at 30,000 Reward Points per month per eligible cardholder.
VIP Reward Points
8 points on every RM1on all overseas retail spends
8 points on every RM1on online retail spends in foreign currency
5 points on every RM1at participating local malls
5 points on every RM1on online retail spends in Ringgit Malaysia
1 point on every RM1on all other expenses
Balance Transfer
For ZERO interest for 3 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 RM1000 
6 months4.99% p.a. and 0% one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about HSBC Balance Transfer Plan
Complimentary 6x access to Plaza Premium Lounge at KLIA, Hong Kong and Changi International Airport and takaful coverage up to RM1,500,000 for travel accidents. Enjoy shopping, dining and travel privileges at over 160 destinations around the world.
Travel CoverageSum Insured
Personal AccidentUp to RM750000
Indulge and enjoy special VIP treatment and discounts while shopping at more than 6500 shopping outlets nationwide. With new and exciting offers every month, you'll be spoilt for choices with the HSBC Visa Signature!

Fees & Charges

There are always fees but how much are they?

Annual Fee
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
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


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
Malaysians and Permanent Residents


Get some extra help from your credit card when you need it most

Easy Payment Plan
HSBC Balance Conversion Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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 Signature review

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

Wouldn’t it be nice to have a credit card that rewards you more every time you travel overseas? HSBC Visa Signature credit card does just that. Cardholders are also rewarded handsomely when they shop locally.

More Reward Points

HSBC Visa Signature is one of the few credit cards in Malaysia which offer 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 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 retails overseas, as well as on online spending made in foreign currency. For all the other spendings, you will be rewarded with 1x Reward Points on each RM1 you swiped. 

If are new to HSBC, then you will receive a welcome Reward Points up to 100,000 for applying, activating and swiping! Such a generous reward points system will get you to places and favorite things in your dream jar.  

A wide range of offers are available such as dining & shopping vouchers, electronic gadgets, home & kitchen appliances, Air Miles, fee waivers, lifestyle items, travel accessories and more, which you can redeemed within 3 years.

Travel Benefits

The travel perks under HSBC Visa Signature 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 are eligible for a complimentary flight & travel accident insurance from takaful coverage of up to RM1500000.

They will also receive Priority Passes to Plaza Premium Lounges in airports nationwide. In addition, cardholders can cash in on the many exciting offers in the Home & Away Privilege Programme which include shopping, dining & entertainment discounts and exclusive deals at 19000 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. They can then 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.


With a minimum annual income requirement of RM100000 not many people can qualify to apply for HSBC Visa Signature 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. 

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