No annual fee after 12X swipes in a year
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.
