HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Last Updated:Apr 2021

$150,000

Min. Annual Income

Offers

Benefits

Eligibility

APR/Fees

Offers

Welcome Offers from HSBC

OPTION 1

Up to $900 RewardCash

Welcome Gift – $800 RewardCash (for New Customers) / $300 RewardCash (for Existing Customers): Spend over HK$/RMB8,000 or above within the first 60 calendar days from card issuance
QR Code Payment Reward – Extra $100 RewardCash: Make 5 or more Eligible transactions through QR Code Payment with HSBC Reward+ or UnionPay App with the card for the card. Customers are eligible for the offer if they haven't made any QR Code Payment transactions on or before 31 December 2020.

Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Annual Fee Waiver

Utilities Wallet Rebate

Airport Lounge

Octopus Reload Rebate

Annual Fee Waiver

Utilities Wallet Rebate

Airport Lounge

Octopus Reload Rebate

Great for

Spending requirements	Welcome offer
Spend over HK$/RMB8,000 or above within the first 60 calendar days from card issuance	New Customers $800 RewardCash	Existing Customers $300 RewardCash
Make 5 or more Eligible transactions through QR Code Payment with HSBC Reward+ or UnionPay App with the Card	Extra $100 Reward Cash

Year-round spending rewards totaling 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 2021), i.e. earning up to $6 RewardCash for every HK$250 spent

Enjoy extra 2% RewardCash rebates on spending in China and Macau, totaling up to 4.4% RewardCash rebates with “Red Hot Rewards of Your Choice”

Buy 1 get 1 free at China Tang Landmark, EPURE, La Rambla by Catalunya, ZUMA Hong Kong

Display the QR code or scan the merchant‘s QR code with HSBC Reward+ to complete transaction at designated merchants that accept UnionPay QR code without having to present the physical card

First 2 years annual fee waiver

Need to know

The Welcome Offer Promotional Period starts 1 March to 31 July 2021
HSBC Credit Card QR Code Payment Promotion's promotional period is from 1 January to 30 June 2021.

The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 September 2020

In calculating the Eligible Transactions, the conversion rate of HK$ and RMB will be 1:1

Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2021 among your six preferred spending categories of Dining, Overseas and Mainland China Spending, Health & Leisure, Home and Lifestyle for the first HK$100,000 eligible spending

To borrow or not to borrow? Borrow only if you can repay!

Benefits

Year-round rewards

Cash rebate

Air miles rewards

Cash rebate

Air miles rewards

Local Spending

2.4%

$4.17/mile

Overseas Spending

4.4%

$2.27/mile

Online Shopping Spending (Overseas)

4.4%

$2.27/mile

Dining Spending

2.4%

$4.17/mile

Year-round benefits

OFFER 1

Up to three visits to participating airport lounges

Spend HK$/MOP 12,000 within two consecutive natural months

Eligibility

Minimum Age

18 years old

Min. Annual Income

HK$ 150,000

APR/Fees

Fees

Annual fee

HK$ 1,800

Foreign Currency Transaction Fee

1.0%

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 amount (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

36.43%

Cash Advance APR

37.75%

Other information

Credit card type

UnionPay Diamond

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HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Offers

Up to $900 RewardCash

Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Up to 4.4% RewardCash rebate for spending in Mainland China and Macau (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Benefits

Year-round rewards

Year-round benefits

Up to three visits to participating airport lounges

Eligibility

Eligibility

APR/Fees

Fees

Repayment

Other information

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