HSBC Visa Gold Card

Last Updated:Jan 2021

$60,000

Min. Annual Income

Offers

Benefits

Eligibility

APR/Fees

Offers

Welcome Offers from HSBC

OPTION 1

Up to $700 RewardCash

Welcome Gift – $700 RewardCash (for New Customers) / $200 RewardCash (for Existing Customers): Spend over HK$6,000 or above within the first 60 calendar days from card issuance

Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Annual Fee Waiver

Utilities Wallet Rebate

Octopus Reload Rebate

Annual Fee Waiver

Utilities Wallet Rebate

Octopus Reload Rebate

Great for

Spending requirements	Welcome offer
Spend over HK$6,000 or above within the first 60 calendar days from card issuance	New Customers $700 RewardCash	Existing Customers $200 RewardCash

Year-round spending rewards totaling up to 4.4% RewardCash rebate (equivalent to HK$2.3 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 Dec 2020), i.e. earning up to $6 RewardCash for every HK$250 spent
Enjoy an extra 2% RewardCash rebate by registering for "Red Hot Online & Overseas Spending Rewards" to earn an extra 2% RewardCash rebate on eligible online and overseas transactions (Promotional Period till 31 Dec 2020), i.e. earning an extra $5 RewardCash for every HK$250 spent

Exclusive worldwide shopping, dining, leisure and entertainment discounts with home&Away
Emergency and travel assistance wherever you are in the world, 24 hours a day

First 2 years annual fee waiver

Need to know

The Welcome Offer Promotional Period starts now till 28 Feb 2021

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

Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 Oct 2020 among your six preferred spending categories of Dining, Entertainment, Home, Lifestyle, China Spending and Overseas Spending for the first HK$100,000 eligible spending

Cardholders could only enjoy the "Red Hot Online & Overseas Spending Rewards" by registering during the promotional period and conducting Eligible Transaction(s) with an Eligible Credit Card for a cumulative Net Spending Amount of HK$3,000 or above in each Phase during the Promotional Period. The total maximum amount of extra RewardCash on Eligible Transactions to be awarded to each Cardholder in each Phase is $300 RewardCash

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

Eligibility

Minimum Age

18 years old

Min. Annual Income

HK$ 60,000

APR/Fees

Fees

Annual fee

HK$ 600

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 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

Visa Gold

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HSBC Visa Gold Card

Offers

Up to $700 RewardCash

Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)

First 2 years annual fee waiver

Benefits

Year-round rewards

Eligibility

Eligibility

APR/Fees

Fees

Repayment

Other information

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