TODO
HSBC Visa Gold Card for Students
Last Updated: Apr 2022
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)
Year-round spending rewards up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
Perpetual annual fee waiver
Annual Fee Waiver
Utilities Wallet Rebate
Octopus Reload Rebate

Great for

  • Welcome offer
    • Get a Welcome Gift of $800 RewardCash (for New Credit Card Customers) or $300 RewardCash (for Existing Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above
  • Spending requirements Welcome offer
    Spend over HK$2,000 or above within the first 60 calendar days from card issuance $300 RewardCash
  • Year-round spending rewards totalling up to 2.4% RewardCash rebate (equivalent to HK$4.17 per air mile)
    • Enjoy up to 2.4% (basic 0.4% + an extra 2%) RewardCash rebate by registering for "Red Hot Rewards of Your Choice" programme and allocating extra RewardCash to your preferred spending categories (Promotional Period till 31 December 2022), i.e. earning up to $6 RewardCash for every HK$250 spent
  • Enjoy up to 4.4% RewardCash rebates on online spending (equivalent to HK$2.3 per air mile)
    • Enjoy an extra 2% RewardCash rebates by registering for “Red Hot Online Spending Rewards” programme, totaling up to 4.4% RewardCash rebates with the above reward programmes, i.e. up to $11 RewardCash for every HK$250 spent online
  • Get up to 2.4% or $400 RewardCash rebate on tuition fee payment
  • 15% off regular-priced tickets and 5% off single purchase of popcorn and cup beverages at CGV Cinemas
  • Perpetual annual fee waiver

Need to know

  • The Welcome Offer Promotional Period starts from 1 April 2021 to 31 March 2022
  • The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 October 2020
  • 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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