HSBC Visa Gold Card

Last Updated: Sept 2023
$
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)
BENEFITS
ELIGIBILITY
APR/FEES
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
    • Get an extra $200 RewardCash (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer; a total of up to $1,000 RewardCash
  • From now till 15 October 2023, enjoy the following offers with your HSBC credit card:
    • Accumulate eligible local or overseas transactions of HK$6,000 or above, enjoy an extra 10% RewardCash rebate on local dining transactions (be it dine-in or delivery) and earn up to a total of $300 RewardCash for the entire promotional period. Register now via the HSBC Reward+ app.
    • Use the HSBC Reward+ app to redeem e-Coupons from designated delivery platform and coffee shop at 20% off. Simply select ‘Use RC’ at the bottom of the HSBC Reward+ page, log on and select ‘e-Coupons. Limited quantity available.
  • 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 Online Welcome Offer Promotional Period is from 1 September 2023 to 29 February 2024
  • The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023
  • 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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