HSBC Credit Card Comparison

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HSBC Credit Card Comparison
	Red MasterCard Irresistible rewards for women	Gold Serving up more rewards	Platinum Visa Get closer to your dream vacation	Advance Visa Caters to all your needs	Premier MasterCard Highest level of personalized service
Feature¹
Caltex Rebate
Rewards Program		with accelerated rewards	with accelerated rewards	with accelerated rewards	with accelerated rewards
home&Away Privilege Program
HIP (HSBC's Installment Plan)
Eligibilty criteria
Income criteria per year	PHP200,000		PHP500,000	For Advance bank depositors	For Premier bank depositors
Other Bank Credit Card	Must have another locally-issued primary credit card in good standing for at least 12 months			N/A
Fees and charges
Primary Card Annual Fee (waived for the first year)	PHP1,200	PHP2,500	PHP5,000	PHP2,500	Waived
Supplementary Card Annual Fee	PHP600	PHP1,250	PHP2,500	PHP1,250	Waived
Retail Monthly Effective Interest Rate²	3.5% per month		2.75% per month	3% per month	2.75% per month
Cash Advance Monthly Effective Interest Rate²	3.75% per month		3.02% per month	3.27% per month	3.02% per month

Fees (All cards)
Cash advance fee	3% of amount drawn or P500, whichever is higher
Minimum amount due	4% of your Total Due or Php500 whichever is higher. In addition to the current minimum payment due, it includes any overdue and/or overlimit amount on your account.
Late payment fee	7.5% of the minimum due or P600, whichever is higher
Overlimit fee	P500 shall be charged if card account is overlimit on cut-off date
Returned check fee	P1000 shall be charged for check payments which are returned due to reasons such as but not limited to insufficient funds, unsecured deposit, or any other reasons resulting to bad faith by the cardholder
Sales slip retrieval fee	P275 for each sales slip retrieved upon cardholder's request
Card replacement fee	P400 for each replacement of lost, stolen or damaged card
Service fee for foreign currency transactions³	2.50% (from 1.75%) of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum
HSBC's installment plan pre-termination processing fee	P500 for each HSBC Installment Plan transaction pre-terminated
Annual Mileage Rewards Program Fee	P500 per mileage program upon enrollment (Waived for Platinum)

¹Terms and Conditions apply
²The Effective Interest Rate is computed based on the actual number of days in a particular month/year. The beginning of the interest date is from
the date of the transaction. If you pay any amount less than the Total Due/Total Account Balance or make a cash advance transaction, finance
charges at prevailing interest rates will be computed from the date of the transaction until the end of the current statement period.
³Effective May 1, 2013. Details found on HSBC’s Terms and Conditions