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HSBC Red Credit Card

HSBC Red Credit Card

The HSBC Red Credit Card comes with a permanent annual fee waiver. It offers 4% cashback on online purchases, 2% cashback at supermarkets, and an unlimited 1% cashback on other spending, along with a welcome offer. The high limit on cashback for online purchases makes it popular for using this card on platforms like Taobao, HKTVmall, or purchasing iPhones. Additionally, using PayMe for top-ups provides a 0.4% cashback. The reward cashback can be redeemed for miles, cashback, or gifts.
Annual Fee
Perpetual annual fee waiver
Cashback Overseas
1  %
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Cashback Supermarket
2  %
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Cashback Local Online Shopping
4  %
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Offer Available
$200 RewardCash
Extra RewardCash for Cash instalment plan
$200 RewardCash
New Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash. Terms and Conditions

Things to consider

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Online shopping rebate

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Overseas rebate

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Annual fee waiver

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Cinema ticketing

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HSBC Red Credit Card Benefits

Cashback

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Cashback Base Rate
0.04  %
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Cashback Local
1  %
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flight
Cashback Overseas
1  %
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luggage
Cashback Travel
4  %
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restaurant
Cashback Dining
1  %
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shopping_cart
Cashback Supermarket
2  %
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shopping_bag
Cashback Local Online Shopping
4  %
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Cashback Overseas Online Shopping
4  %
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Cashback Octopus Top Up Spending
0.4  %
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Airmiles

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Airmiles Base Rate
$ 10  per mile
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Airmiles Local
$ 10  per mile
flight
Airmiles Overseas
$ 10  per mile
restaurant
Airmiles Dining
$ 10  per mile
shopping_bag
Airmiles Local Online Shopping
$ 2.5  per mile
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shopping_bag
Airmiles Overseas Online Shopping
$ 2.5  per mile
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shopping_cart
Airmiles Supermarket
$ 5  per mile
luggage
Airmiles Travel
$ 2.5  per mile
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Airmiles Octopus Top Up Spending
$ 25  per mile
RewardCash rebates across the board, no minimum spending requirement, and no registration needed
  • Online transactions: up to 4% RewardCash rebate (equivalent to HK$2.5 per air mile)
  • Local supermarket transactions: 2% RewardCash rebate (equivalent to HK$5 per air mile)
  • Other local and overseas transactions: 1% RewardCash rebate (equivalent to HK$10 per air mile)
  • Octopus Automatic Add-Value Service and online bill payments transactions: 0.4% RewardCash rebate (equivalent to HK$25 per air mile)
Perpetual annual fee waiver

Exclusive handling fee offer for Spending Instalment as low as HK$50

TamJai Yunnan Mixian and TamJai SamGor Mixian: Enjoy a maximum of an extra $35 RewardCash each month via HSBC Reward+ Stamp Cards

McDonald’s: Enjoy a maximum of an extra $40 RewardCash each month via HSBC Reward+ Stamp Cards

MCL Cinemas: Enjoy a maximum of an extra $90 RewardCash each month via HSBC Reward+ Stamp Cards

Other things to note

  • Make eligible transactions with single net spending amount of HK$60 or above at TamJai Yunnan Mixian or TamJai SamGor Mixian to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximun of 8 stamps in each phase.
  • Make eligible transactions with single net spending amount of HK$30 or above at McDonald’s to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 8 stamps each month.
  • Make eligible transactions with single net spending amount of HK$50 or above at MCL Cinemas to earn and collect one stamp via HSBC Reward+ stamp card function. You can earn a maximum of one stamp per day and you are entitled to earn a maximum of 9 stamps in each phase.
  • To borrow or not to borrow? Borrow only if you can repay!

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 120,000

Fees

Annual Fee Waiver
Perpetual annual fee waiver
Annual Fee
Perpetual annual fee waiver
Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any) (the minimum amount of Minimum Payment is HK$50).
Late Payment Charge
Minimum Payment Due or HK$230, whichever is lower.
Retail Purchase APR
35.42  %
Cash Advance APR
35.42  %
Interest Free Period
56  days

Association

Mastercard

Tags

HSBC Red Credit Card HSBC Red Credit Card