HSBC Visa Gold Card
Last Updated: Sept 2022
$
60,000
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)
First 2 years 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 within 60 days of card issuance
    • From 1 August to 31 October 2022, enjoy extra $100 RewardCash upon successful application and making any mobile payment transaction
    • 2022 Red Hot Spending Rewards on Dining: From 6 September to 15 November 2022, accumulate local spending of HK$10,000 or above to receive an extra 3% rebate, up to an extra $400 RewardCash; add your card to Apple Pay for the first time and make one dining transaction of HK$300 or above via Apple Pay to earn extra $50 RewardCash.
  • Spending requirements Welcome offer
    Spend HK$8,000 or above within the first 60 calendar days from card issuance New Customers
    $800 RewardCash
    Existing Customers
    $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
  • Exclusive worldwide shopping, dining, leisure and entertainment discounts with home&Away
  • Enjoy a 30% discount on cross border limousine service
  • First 2 years annual fee waiver

Need to know

  • The Welcome Offer Promotional Period starts from 1 August 2022 to 28 February 2023
  • The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 September 2021
  • 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
HK$ 60,000

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%
Interest Free Repayment Period
56 days

Other information

Credit card type
Visa Gold

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