HSBC Visa Signature credit card

HSBC Visa Signature

Swipe your way to exclusive benefits and privileges including 10X 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 3 months
  • RM636.00 annual fee
  • Earn up to 10x reward points 

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Because you should be rewarded for giving the bank your business

Swap your points for airmiles with the HSBC Visa Signature. Earn 5X rewards points at participating malls and 8x reward points at Mid Valley Megamall and The Gardens Mall. Charge your hotel room and dining to your card and earn 10X reward points when overseas and 5X reward points for local hotels.
VIP Reward Points
10 points on every RM1on hotel room and dining outside Malaysia
8 points on every RM1at Mid Valley Megamall and The Gardens Mall
5 points on every RM1on airline tickets, local hotels and purchases at participating malls
1 point on every RM1on all other expenses
Your VIP Reward Points earned expires in  3 years
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
3 months0% p.a. and no one-time upfront handling feefrom RM1000 
6 months1.99% p.a. and no 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

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 10x reward points for every RM1 charged to the card. Reward points are awarded based on hotel accommodation and dining charges overseas up to a maximum of RM2000 per month.

Moreover, HSBC Visa Signature credit cardholders can also earn points when they shop in Malaysia. You can get 8x Reward Points when you swipe your card at Mid Valley Megamall and The Gardens Mall. Plus, you can collect 5x rewards points for every RM1 spent on groceries and other items at selected shopping malls which include Gurney Plaza, KSL City Mall, 1Borneo Hypermall and more. Wait, there's more! You will also earn 5X rewards points on room and dining at local hotels and flight puchases on selected airlines such as Malaysia Airlines, Singapore Airlines, Cathay Pacific, Emirates Airlines and Qatar Airways. For all the other spending, you will be rewarded with 1x Reward Points on each RM1 you spent. 

Such a generous reward points system will enable cardholders to quickly accumulate points to redeem great deals from HSBC VIP Rewards Programme. 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. Reward Points earned are valid for up to 3 years. All Reward Points must be redeemed prior to their expiry.

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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