What is the HSBC Amanah Everyday Global VISA Debit Card-i?
The HSBC Amanah Everyday Global VISA Debit Card-i is a Shariah-compliant debit card that serves as your single access point to the Everyday Global Account-i (EGA-i).
Designed for international efficiency, this card allows you to buy, hold, and spend in 11 different currencies within one account.
By spending directly from the supported foreign currency balances, you eliminate foreign transaction fees and enjoy greater financial clarity, whether you're shopping online or travelling abroad.
Frequently Asked Questions (FAQ)
1. What are the key benefits of the HSBC Amanah Everyday Global VISA Debit Card-i?
The card provides Shariah-compliant, multi-currency benefits with high usability and security:
- Multi-Currency Spending: Spend in 11 major supported currencies (including USD, EUR, JPY, SGD, etc.) directly from your EGA-i balance.
- Zero Conversion Fees: When you spend in a currency you hold in your account, the transaction will be debited from that specific currency balance with no foreign currency conversion fees (Note: Applies only to supported currencies with sufficient balance).
- Shariah-Compliant: All transactions and linked account features are managed under the principles of Islamic Banking (Amanah).
- Security and Convenience: Features Visa payWave for contactless payments, enhanced 6-digit PIN security, and can be activated/deactivated for overseas use via the bank's contact centre/branch.
2. What are the fees and charges I have to pay?
The card is generally offered complementarily, though certain fees related to the tiered account structure may apply:
- Issuance Fee (One-off): Waived.
- Annual Fee: Waived.
- Foreign Currency Conversion Fee: Zero when spending in a supported currency where you have a sufficient balance. A conversion fee (typically 1% plus VISA fee) will be charged if funds are insufficient and debited from the MYR balance.
- Account Fee: A monthly fee may apply if you do not meet the Total Relationship Balance (TRB) or salary credit criteria for your specific account tier.
3. Who can apply for the HSBC Amanah Everyday Global VISA Debit Card-i?
To obtain this card, you must meet the following requirement:
- You must successfully open and maintain an HSBC Amanah Everyday Global Account-i (EGA-i). Eligibility for the EGA-i is based on various criteria depending on the account tier (Standard, Advance, or Premier).
4. How can I apply for the HSBC Amanah Everyday Global VISA Debit Card-i?
Since the card is tied to the Everyday Global Account-i, the application process for the card is part of the account opening:
- New Customers: You will need to apply for the HSBC Amanah Everyday Global Account-i first. You can do this online or by visiting the nearest HSBC Amanah branch.
- Existing Customers: Existing customers with other HSBC Amanah accounts may be able to apply through the HSBC Amanah website or by contacting the Call Centre.
