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HSBC Gold Visa Credit Card

Earn Rewards Faster

With your HSBC Gold Visa / MasterCard you can redeem exclusive rewards faster. With HSBC Credit Card Rewards Programme’s accelerated rewards benefit, you earn 3X the Bonus Points* when you use your HSBC Gold Visa / MasterCard to dine or shop at select apparel and department stores. Plus, enjoy RED HOT DEALS – discounts, privileges and surprise offers here and abroad all year round.

Apply for an HSBC Gold Visa/MasterCard Credit Card

To be eligible, you must:
  • be between 21 to 65 years old and a Philippine resident
  • hold residence or must be employed within Metro Manila or in selected provincial areas
    Bulacan, Pampanga, Rizal, Laguna, Cavite, Batangas, Cebu, Davao City, Zambales (Subic and Olongapo City), Bacolod, Butuan, Cagayan de Oro, Cotabato, Dipolog, General Santos, Iloilo, Kalibo, Legaspi, Naga, Puerto Princesa, Roxas, Tacloban, Tuguegarao, Tagbilaran City, Zamboanga City, Baguio City, Panabo & Tagum Davao del Norte, Digos Davao Del Sur, Laoag City, Ormoc City, Dumaguete City, Cabanatuan City, Dagupan City, Pangasinan (Urdaneta and Calasiao), Lucena City, Tarlac City
  • have at least a gross annual income of P200,000 for HSBC Gold Credit Card. Income must be verifiable and consistent with income proof
  • have another locally-issued primary credit card in good standing for at least 12 months
New to HSBC/HSBC Savings Bank Customer

If you are an HSBC Saving Bank Customer or new to HSBC, it's easy to apply for a Gold Card.

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  1. Accelerated Rewards
  2. Exclusive benefits
  3. Card comparison


With HSBC Gold Visa, experience real rewards up to 3x faster with HSBC's new Credit Card Rewards program.   Benefit from accelerated rewards which allows qualified cardholders to earn Bonus Points faster!

Earn 1 Bonus Point for every PHP20 spend. Earn extra Bonus Points when you use your card in the following merchant categories:

earn 3x

earn 3x



Earn 3X Bonus Points when Dining
This covers all Philippine-based restaurants, bistros, bars and similar establishments that are tagged by the merchant's credit card acquirer as having Merchant Category 1 Codes 5921, 5814, 5813, 5812, 5462 and 5499.  Excluded from this benefit are transactions made at fast food restaurants that accept credit card payments.


Earn 3X Bonus Points when Shopping
This covers all Philippine-based department stores, clothing / apparel / accessories stores and similar establishments that are tagged by the merchant's credit card acquirer as having Merchant Category 1Codes 5311, 5948, 5699, 5691, 5611, 5621, 5631, 5641, 5651, 5661, 5655, 5137 and 5139.  Excluded from this benefit are transactions made at service merchants such as drug stores, gas stations, groceries/supermarkets and convenience stores.

1Merchant Category refers to the classification of each merchant establishment as determined by their acquiring banks based on the nature of the merchant's business as defined by Visa and MasterCard. Please click here to see a partial listing.


A minimum accumulated spend of PHP2,500 per month is required on the card to earn accelerated points.

A maximum, accumulated monthly spend of PHP40,000, across the pre-defined merchant categories, shall earn accelerated points.  Amounts in excess of PHP40,000 shall earn the regular Bonus Points following the standard Bonus Points Earn Rate of 1 Bonus Point for every PHP20 spend.

Computation of accelerated points will be done once a month and will be credited to the card account every 25th banking day of the following month.

IMPORTANT. HSBC's Accelerated Rewards Terms & Conditions apply.

Please refer to HSBC's Accelerated Rewards Terms & Conditions, HSBC's Credit Card Products Terms & Conditions apply and HSBC's Rewards Program General Terms & Conditions for more information.


Red Hot Deals under the Home and Away Program
Savor the best of what the world has to offer with a fantastic array of discounts and privileges brought to you by our home&Away Privilege Program.  With over 19,000 outlets in more than 160 coutnries and territories worldwide, there's always a bargain near you whether at home or abroad.

Cash Advance
Use your card on ATMs to withdraw money here and abroad.

HSBC's Card Installment Plan
Buy more and pay less every month. Enjoy 0% interest and flexible repayment terms of up to 36 months at participating establishments nationwide.

HSBC's Card Balance Transfer
Manage your finances by transferring your non-HSBC Credit Card balances to your HSBC Credit Card. Enjoy bigger savings and longer repayment terms.

Cure the discomfort of having to pay for your utility bills at vendor outlets while earning Miles in one easy step - with one due date to remember.

Caltex Rebate
Earn a 3% rebate on your fuel purchases when you use your HSBC Gold Visa at participating Caltex stations.

HSBC's Card Balance Conversion
Use your HSBC Credit Card for straight purchases then convert them into affordable monthly installments at low interest rates afterwards.

Apply for an HSBC Credit Card

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