What is the HSBC Everyday Global Visa Debit Card?
The HSBC Everyday Global Visa Debit Card is your all-in-one solution for seamless banking at home and abroad.
Linked to your HSBC Everyday Global Account, this multi-currency card lets you hold and manage 11 different currencies in a single account! Perfect for paying bills, shopping online, or travelling the world.
What makes this debit card special?
With zero card fees, no monthly account charges, and the ability to spend like a local in 10 foreign currencies, this card is designed for your everyday needs without the premium account requirements.
Multi-Currency Made Simple
Manage Malaysian Ringgit (MYR) and 10 foreign currencies such as AUD, CAD, EUR, GBP, HKD, JPY, NZD, SAR, SGD, and USD, all in one account.
When you have funds in the currency you're spending, you pay zero conversion fees, allowing you to shop and travel like a local.
Enjoy competitive real-time foreign exchange rates 24/7 through the HSBC Malaysia Mobile Banking app, so you can convert currencies whenever rates are favourable.
Global Access Without the Premium Price
Use your card anywhere Visa is accepted worldwide, with support for both MyDebit (local and Singapore) and Visa platforms.
Withdraw cash from HSBC and MEPS network ATMs locally, or access your funds internationally at any ATM displaying the VISA or PLUS logos.
You can even withdraw cash at participating merchant counters using MyDebit Cash Out or VISA Cash Out when making purchases.
Zero Card and Account Fees
Enjoy RM0 card issuance fee, RM0 annual fee, and RM0 monthly account fee!
There's no minimum balance requirement for your Everyday Global Account, which makes it an accessible option for anyone wanting multi-currency banking without premium account requirements.
Security You Control
Your card comes with a 6-digit PIN for all retail and ATM transactions, plus instant SMS alerts to monitor account activity.
For added protection, online purchases and overseas transactions are turned off by default. Simply contact HSBC to enable these features when you need them. This gives you complete control over where and how your card can be used.
Who can apply?
To get the HSBC Everyday Global Visa Debit Card, you need to open an HSBC Everyday Global Account (EGA). This account is available to:
- Malaysian citizens aged 18 and above
- HSBC Premier or HSBC Advance customers (who use the same EGA account structure with additional tier benefits)
The good news is that the standard Everyday Global Account has no minimum balance requirement, making it accessible for everyday banking needs.
Any transaction limits I should know about?
These are the daily limits, which you can adjust by contacting HSBC.
| Transaction Type | Default Daily Limit | Maximum Limit Available |
| ATM Cash Withdrawal | RM5,000 | Customisable upon request |
| Retail Purchases | RM3,000 | Up to RM20,000 |
| MyDebit/VISA Cash Out | RM1,000 (combined) | Part of the purchase limit |
Note: Cash Out withdrawals count toward your total daily purchase limit.
Tell me about the fees.
For Card and Account Fees
- Card Issuance: FREE
- Annual Card Fee: FREE
- Monthly Account Fee: FREE
- Minimum Balance Required: NONE
For Foreign Transaction Fees
When spending in supported currencies (if you have funds):
- Fee: RM0 - Pay exactly what you spend with no conversion charges
When currency conversion is needed:
- Conversion Fee: 1% of transaction amount
Currency conversion happens when you:
- Spend in a non-supported currency (not one of the 11 available)
- Don't have sufficient funds in the specific foreign currency, causing the transaction to be debited from your MYR account
For ATM Withdrawal Fees
- HSBC Network ATMs: FREE
- MEPS Network ATMs: First 2 transactions/month free, then RM1 per transaction
- Overseas ATMs (VISA/PLUS): Fees vary by ATM operator and location
