HSBC Visa Gold Card for Students

Last Updated: Dec 2023
No Requirement

Min. Annual Income

2.4
%

Local Spending - Cashback Rate

on local retail spending with "Red Hot Rewards of Your Choice" registration
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) = Up to 6X rebate or 2.4% cash rebate (Basic Reward: 0.4% cash rebate)
4.4
%

Overseas Spending - Cashback Rate

on overseas spending with "Red Hot Online & Overseas Spending Rewards" registration
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) + Red Hot Online and Overseas Spending Rewards (5X) = Up to 11X rebate or 4.4% cash reabte (Basic Rewards: 0.4% cash rebate)
Get 2.4% RewardCash rebate on tuition fees
KKBOX trial for just HK$9.9 during your first month; 10% off regular-priced tickets at CGV Cinemas
Annual Fee Waiver
Utilities Wallet Rebate
Octopus Reload Rebate

Great for

  • Welcome Offer

      Red Hot Winter Spending Rewards

      Accumulated eligible transactions^ RewardCash earned
      Reach HK$12,000 5% RewardCash rebate. The offer extends up to $600 RewardCash
      Reach HK$38,000 Extra rewards on top of the above rebate including:
      • Extra $500 RewardCash;
      • Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card
      Up to an extra $1,300 RewardCash

      ^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions

      - Registration needed

      - Eligible cards: all HSBC credit cards including student card

      - The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。

      - If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers

      Total RewardCash RewardCash items

      up to HK$2,000 RewardCash

      up to HK$300 RewardCash (Welcome Offer) + HK$400 RewardCash (Tuition Fee Online Payment Discount) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)

    • Get a Welcome Gift of $300 RewardCash when you use the card to make eligible transactions of HK$2,000 or above
  • Red Hot Duo Rewards:

    • From now till 29 November 2023, you can enjoy the following offers with an Eligible HSBC Credit Card:
      • Accumulate eligible local or overseas transactions of HK$6,000 or above, enjoy an extra 10% RewardCash rebate on local mobile payment transactions (including Apple Pay, Google PayTM or Samsung Pay), regardless of spending category and earn up to a total of $300 RewardCash for the entire promotional period.​
      • Use the HSBC Reward+ app to redeem e-Coupons from designated delivery platform and coffee shops at 20% off, starting from 16 October 2023 10 am.
  • Get up to 2.4% RewardCash rebate on tuition fees
  • Get up to 6X RewardCash for spending in Rewards of Your Choice category. Rebate rate at 2.4% (ie HK$4.17 for 1 mile)
  • Enjoy an instant discount of HK$30 when you spend HK$300 or more in a single transaction at any eslite bookstore with your card via mobile or Visa contactless payment
  • Entertainment benefits
    • Enjoy some music as you study with a KKBOX trial for just HK$9.9 during your first month, then HK$53 per month for subsequent months
    • Get 10% off regular-priced tickets at CGV Cinemas
  • Perpetual annual fee waiver

Need to know

  • The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 October 2022
  • To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

Local Spending
2.4%
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) = Up to 6X rebate or 2.4% cash rebate (Basic Reward: 0.4% cash rebate)
Overseas Spending
4.4%
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) + Red Hot Online and Overseas Spending Rewards (5X) = Up to 11X rebate or 4.4% cash reabte (Basic Rewards: 0.4% cash rebate)
Online Shopping Spending (Overseas)
4.4%
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) + Red Hot Online and Overseas Spending Rewards (5X) = Up to 11X rebate or 4.4% cash reabte (Basic Rewards: 0.4% cash rebate)
Online Shopping Spending (Local)
4.4%
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) + Red Hot Online and Overseas Spending Rewards (5X) = Up to 11X rebate or 4.4% cash reabte (Basic Rewards: 0.4% cash rebate)
Dining Spending
2.4%
Basic Reward (1X) + Red Hot Rewards of Your Choice (5X) = Up to 6X rebate or 2.4% cash rebate (Basic Reward: 0.4% cash rebate)

Eligibility

Minimum Age
18 years old
Min. Annual Income
No Requirement

Fees

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 $50).
Late payment charge
Minimum Payment Due or HK$230, whichever is lower
Retail Purchase APR
36.43%
Cash Advance APR
37.75%
Interest Free Repayment Period
56 days

Other information

Credit card type
Visa Gold

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