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What HSBC Credit Cards may I apply for?
You may apply for an HSBC Live+ Credit Card or HSBC Red MasterCard credit card. If you are an HSBC Personal Banking or Premier bank depositor, you may apply for an HSBC Premier Mastercard credit card. To find the right HSBC credit card the suits your needs, you may apply for an HSBC Credit Card online here or at an HSBC branch near you.
How do I apply for an HSBC Credit Card?
You may apply for an HSBC Credit Card online here or at an HSBC branch near you.
What documentation do I need to provide when applying for an HSBC Credit Card?
You will need to have an annual income of at least Php200K, Other Bank Credit Card/s (Credit Card should be at least 6 months and you should be the primary cardholder) and provide a copy of the following:
- Proof of Identity with Complete name (at least one of the following)
- Passport, Driver’s License, SSS/TIN ID plus NBI Clearance or Voter’s ID
Note: Proof of Identity should be valid (not expired), photo-bearing and contain date of birth.
- Passport, Driver’s License, SSS/TIN ID plus NBI Clearance or Voter’s ID
- For Overseas Filipino Workers (OFW)
- Certificate of Employment
- Working Visa or work permit issued in the country/territory of residence, OFW card issues by POEA, or POEA Certificate
How long will it take to process an HSBC Credit Card application?
Around 5-10 business days upon submission of a completed application forms and all required documents.
Getting a new card
Find out how to activate your card and add a cardholder, as well as what to do if your card's lost, stolen or damaged.
How do I activate my card?
Activate your card via phone by calling our hotline at (02)8858-0000 or (02)7976-8000 and follow the voice recording. We will send an SMS OTP to your registered mobile number to complete the process.
You can also activate via SMS by texting HSBC<space>LAST 4 DIGITS OF YOUR CARD<space>LAST NAME<space>BIRTH MONTH & YEAR in MMMYYYY format (ex. JUN1985) to 09221001010 using your registered mobile number (SMS charges apply).
How do I get a replacement for a damaged card?
In order to prevent fraud or misuse of your credit card, call the hotline at (02)8858-0000 or (02)7976-8000 (when overseas) to report your lost or stolen credit card. Your liability for all purchases and/or cash advances made through the use of the lost or stolen card shall cease upon HSBC’s receipt of your verbal notification.
What fees and charges are linked to having an HSBC Credit Card?
For a complete list of all the fees and charges, you may refer here (PDF, 3MB).
How many supplementary cards may I have for my HSBC Credit Card?
You may have up to four (4) supplementary cards.
How do I apply for a supplementary card?
You may apply via this link.
Product information
Do I earn Bonus Points when I use my HSBC Credit Card?
Yes, with the HSBC Credit Card Rewards Programme, your HSBC Red Mastercard, Premier Mastercard earns 1 bonus point for every Php20 spend on your HSBC credit card. With your HSBC Advance Visa, you can earn 1 bonus point for every Php15 spend. You have an opportunity to earn more bonus points with HSBC Credit Card Rewards Programme’s accelerated rewards feature. The more you use your HSBC credit card, the more bonus points you’ll earn. Accumulate your bonus points and redeem items and special treats from HSBC’s Rewards Catalogue.
Can you tell me more about HSBC Credit Card Rewards Programme’s accelerated rewards feature?
With HSBC Credit Card Rewards Programme’s accelerated rewards, your HSBC Red Mastercard, Advance Visa or Premier Mastercard earns additional bonus points when you use your HSBC credit card. For more details, click here.
No minimum spend is required to earn accelerated bonus points. A maximum, accumulated monthly spend of Php40,000 for HSBC Red Mastercard and Advance Visa; and Php60,000 for Premier Mastercard, across the pre-defined merchant categories, shall earn accelerated points. Amounts in excess of the specified maximum monthly spend shall earn the regular bonus points following the standard bonus point earn rate of 1 Bonus Point for every Php15 (for HSBC Advance Visa only) or Php20 spend (for HSBC Red Mastercard or Premier Mastercard).
How long are my Rewards points valid for?
For HSBC Classic Visa/MasterCard, rewards points are valid for up to two (2) years, at the end of the relevant month, from cardholder’s account open date. For HSBC Red Mastercard, HSBC Gold Mastercard, HSBC Advance Visa and HSBC Premier MasterCard, Rewards points are valid for up to three (3) years, at the end of the relevant month, from Cardholder’s Account Open Date.
For instance, if you are an HSBC Red Mastercard cardholder and your account open date is on January 2017, all the Rewards points that you earned from January to December 2017 will be valid until December 2020 (three years).
What can I redeem using my Rewards points?
The HSBC Rewards Catalogue features a wide array of items ranging from everyday basics, dining delights, shopping perks to travel privileges.
You may refer to this link for more details.
How do I redeem my Rewards points?
Redemption of Rewards may only be made by the cardholder via the HSBC website by visiting visiting https://www.hsbc.com.ph/credit-cards/offers/rewards-redemption/ and clicking Redeem Rewards.
What is HSBC’s home&Away Privilege Program?
With your Philippine-issued HSBC credit card, you can enjoy HSBC’s home&Away Privilege program which offers an array of discounts and privileges from over 27,000 outlets in more than 160 countries and territories worldwide. More details found here.
Please talk about HSBC’s Rebates Plus Rewards at Caltex.
Rebates Plus Rewards feature allows you to earn rebates and rewards when you use your HSBC credit card for your purchases at Caltex. Get a 3% rebate on your credit card when you fuel up at participating Caltex stations nationwide*. At the same time, your fuel spend earns you Bonus Points**, which you can use to redeem Rewards items or miles.
* Rebate is given to Caltex purchases of up to a maximum of Php20,000 per calendar month.
** For HSBC Live+ Credit Card, HSBC Gold Visa Cash Back and HSBC Platinum Visa Rebate customers, you can earn cash back instead of bonus points for fuel transactions.
What is HSBC’s Card Balance Transfer Plan?
Under HSBC’s Card Balance Transfer Plan, you may transfer your outstanding credit card balances with other banks to your HSBC credit card and pay it off on equal monthly instalment at preferential rates. You may check your eligibility to avail of HSBC’s Card Balance Transfer by calling (02)8858-0000.
What is HSBC’s Cash Installment Plan?
With HSBC’s Cash Installment Plan, you can get cash from your HSBC credit card and pay it off on installment at low monthly interest rates. You may check your eligibility to avail of HSBC’s Card Balance Transfer by calling (02)8858-0000.
What about HSBC’s Card Installment Plan?
You may enjoy 0% interest on equal installment up to 36 months at participating merchants nationwide. HSBC’s partner stores determine which items may be purchased on installment and the tenors to be offered. Certain stores may offer shorter installment tenors. Please ask the merchant your options before making an installment purchase. For more details, click here.
What is HSBC’s Card Balance Conversion Plan?
HSBC’s Card Balance Conversion Plan allows you to convert your HSBC card purchases into affordable monthly installments at low interest rates. You may check your eligibility to avail of HSBC’s Card Balance Conversion Plan by calling (02)8858-0000.
What is HSBC Auto Charge?
HSBC Auto Charge is a facility that automatically charges bills to your HSBC Credit Card so that you won’t have to go through tedious processes to pay your bills. You will never forget to pay for your bills and you can pay for multiple bills in just one step, with only one due date to remember.
For more details, click here.
How do I enroll for Auto Charge?
You may enroll for Auto Charge by performing the following steps:
- Choose the utility bill/s you’d like to enroll from our list of accredited utility companies. (For a list of the accredited companies, please click here)
- Call Customer Services at (02)8858-0000 to enroll OR fill out HSBC’s AutoCharge Form and send via email to cards@hsbc.com.ph.
- Wait for a text message confirmation that your enrollment has been approved.
Note: Please continue to settle your bill/s through other means until you have confirmation that your enrollment has been approved.
Servicing information
How may I make payments on my credit card account?
You may pay for your HSBC Credit Card bill through any of the following payment centers:
1. Payments through HSBC
EasyPay Machines
For depositors: ATMs, Online Banking, Mobile Banking, Phone Banking, and Automatic Debit Arrangement (ADA)
2. Payment via automated channels
For depositors of the following banks*:
Unionbank - ATMs, online banking
BDO (Banco de Oro) - ATMs, online banking, Phone Banking, Mobile Banking
Security Bank - ATMs, online banking, Phone Banking, Mobile Banking
BPI and BPI Family Savings Bank - ATMs, online banking, Phone Banking, Mobile Banking
3. Over-the-counter payments
SM Department Store, SM Hypermarket, Savemore Market, and selected SM Supermarket branches
BDO (Banco de Oro)
Security Bank
*Subject to enrollment at your branch of account. Any change in your HSBC Credit Card number will require new enrollment at your branch of account.
Note: For check payments, please make check payable to HSBC Credit Card and write your 16-digit credit card number at the back of the cheque.
I have made a payment on my account. When will this be posted?
Payment centre | Posting time |
---|---|
HSBC (Thru EasyPay machines) |
Cash: Same day of payment (12NN cut-off) Check: 2 banking days after payment, provided, check clears (12NN cut-off) |
BancNet/MegaLink | ATM, Online, Mobile Banking: 1 banking day after payment |
Other banks | Cash and ATM, Online, Mobile Banking: 3 banking days after payment (Subject to the respective bank’s cut-off time) Check: 2 banking days after payment, provided check clears, as confirmed by the payment centre (Subject to the respective bank’s cut-off time) |
SM Payment Center | Cash: 1 banking day after payment Check: 3 banking days after payment, provided check clears, as confirmed by the payment center |
Payment centre |
HSBC (Thru EasyPay machines) |
---|---|
Posting time |
Cash: Same day of payment (12NN cut-off) Check: 2 banking days after payment, provided, check clears (12NN cut-off) |
Payment centre | BancNet/MegaLink |
Posting time | ATM, Online, Mobile Banking: 1 banking day after payment |
Payment centre | Other banks |
Posting time |
Cash and ATM, Online, Mobile Banking: 3 banking days after payment (Subject to the respective bank’s cut-off time) Check: 2 banking days after payment, provided check clears, as confirmed by the payment centre (Subject to the respective bank’s cut-off time) |
Payment centre | SM Payment Center |
Posting time |
Cash: 1 banking day after payment Check: 3 banking days after payment, provided check clears, as confirmed by the payment center |
How is the Minimum Amount Due on my HSBC Credit Card computed?
The Minimum Amount Due computation is listed in the Table of Fees and Charges found here (PDF, 3MB).
HSBC’s Card Balance Conversion Plan allows you to convert your HSBC card purchases into affordable monthly installments at low interest rates. You may check your eligibility to avail of HSBC’s Card Balance Conversion Plan by calling (02)8858-0000.
How do I register for eStatement?
You may register for eStatement online here.
How do I register for Internet Banking?
To register for Online Banking, you will need your credit card number and your Credit Card PIN. You can then register online by following the procedures found here.
If you do not have or do not recall your PIN, you may seek assistance from our Customer Services by calling (02)8858-0000 from Metro Manila or (02)7976-8000 from elsewhere.
What should I do if I suspect there has been fraudulent activity on my Credit Card?
You may call the hotline at (02)8858-0000 or (02)7976-8000 (when overseas) immediately to report suspected fraudulent activity on your credit card.
Here are simple tips to secure your credit card:
- Immediately sign at the back of your credit card upon receipt.
- Do not freely divulge your credit card details such as card number, expiry date, or Card Verification Value (CVV) to any person or means without verifying the legitimacy of the person or manner.
- Keep your credit card in a secure place.
- Secure your card while shopping.
- Memorize your PIN for ATM Cash Advance Transactions. Don’t use PIN combinations that could easily be guessed, such as your birthday.
What are HSBC's secure online payment services?
HSBC's Verified by Visa and MasterCard SecureCode are the secure online payment services that provide extra security for online transactions when using HSBC Credit Cards. Some online merchants will require this extra verification before clients can make any transactions.
What are the features of Secure Pay?
Password protection ensures that the client is the only one registered to use the credit card online. While a Personal Message which will secure the password can also be created for even greater protection.
For more details, you may click here.
What are the benefits of using HSBC's secure online payment services?
HSBC’s Verified by Visa and MasterCard SecureCode provide extra security for online transactions.
You may still continue with your online transaction if you’re not enrolled in Secure Pay. Your transaction may be verified via your card’s 3-digit CVV and your date of birth.
What is the CVV number?
The Card Verification Value (CVV) number is the 3-digit number next to the signature panel at the back of your card. The CVV is a security measure usually requested by merchants when completing a purchase to ensure that you have the card in your possession.
Will I automatically receive a new HSBC Credit Card if my existing Credit Card is about to expire?
Yes, a renewal card will be sent to your recorded billing address one month prior to the expiry of your existing HSBC Credit Card. To ensure the time delivery of your credit card, please ensure that your billing address is updated in HSBC’s systems.
How may I have my credit line increased or decreased?
You may request for an increase or decrease of your credit line by calling the hotline at (02)8858-0000. This is subject to credit approval.
Can I use my HSBC Credit Card overseas?
Yes, your HSBC Credit Card may be used overseas. If you are traveling abroad, please call (02)8858-0000 at least 5 days prior to your departure date and check that your contact details are updated to ensure that you can continue using your credit card abroad, effortlessly.
Please refer to our tables of fees and charges for overseas spending related charges found here (PDF, 3MB).
Will I be charged anything extra if I use my credit card overseas?
A service fee amounting to 2.50% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum, will be charged for overseas transactions.
Can I use my HSBC Credit Card at an ATM to withdraw cash?
Yes, you may perform Cash Advance transactions at any of the following ATM centers: BancNet, ExpressNet, Megalink, Plus or Cirrus. This will require a PIN (Personal Identification Number). If you cannot recall your Credit Card PIN, please contact us at (02)8858-0000 to request for a reprint.
Every cash advance transaction is subject to a service fee of PHP200 per transaction. In addition to the cash advance service fee, your cash advance transactions shall also incur finance charges at the prevailing monthly interest rate applied to the cash advance amount from transaction date until the amount is fully paid. For more details on Cash Advance, click here.
How can I close my HSBC Credit Card account?
You may call the hotline at +63(2) 8858-0000 to request for the closure of your credit card. All outstanding balances, including any existing installment transactions or unbilled transactions, need to be fully paid prior to the closure of your credit card.
How to dispute a transaction
If you receive an SMS alert about an unrecognized transaction or notice a suspicious charge in your statement of account (SOA), please raise a dispute immediately.
If you receive an SMS alert about an unrecognized transaction
We send SMS alerts every time you use your HSBC Credit Card for at least Php1,000 or if there are suspicious activities in your credit / debit card accounts. If you don’t recognize the transaction that we sent you through SMS, please call our hotline as soon as you can.
- We’ll block and replace your card during the call. Replacement card delivery will be within 10 banking days from the replacement date request.
- If the transaction has been posted on your account, you’ll be asked to fill out the dispute form right away.
- For transactions that haven’t posted when you called our hotline, you need to wait for 5 banking days from the time that you called our hotline before you can submit your dispute form.
Click here to know how to file and submit your dispute.
If you don't recognise a transaction in your statement of account (SOA)
There may be a number of reasons why your SOA reflects a charge that you don't recognise. Here are some possible explanations that might help you identify the transaction:
- Check the retailer's name
Retailers are sometimes registered under a different name, so the one on your statement might not be what you expect. Try looking up the name on the internet to see if you can find more details on it.
- Look out for additional charges
Some retailers, such as hotels, taxis, airlines or hired cars services, can add surcharges to your basic payment package.
- Check your receipts and your email inbox
Dig out your receipts to see if you have any from the same day and for the same amount, but listed under a different retailer name. Also, have a look at your email inbox, as you'll often get digital confirmation emails or receipts, and these might also contain the retailer's registered name.
- Adjacent transactions
Check other transactions appearing on your statement with a similar timestamp. This may remind you of where you were when the transaction that you don't recognise was made.
- Consider exchange rates
If the transaction you don't recognise was made in a foreign currency, the final amount could be different to the amount at the time of your purchase. For refund transaction, the refund amount in Philippine Peso could be different to the amount of your purchase. - Check with your supplementary cardholders
If you have supplementary cards under your account, ask if the supplementary cardholders might have made the transaction.
- Check recurring payments
It could be that the transaction is part of a series of ongoing payments related to something you set up or subscribed to some time ago.
- Free trials
If you signed up for a free trial recently, check the free trial period and its corresponding terms and conditions. The free trial could have expired, and you may now be paying for goods or services.
If you still don't recognise the transaction after taking these steps, contact us immediately.
How to contact us for your dispute
It's important that you call us at our Customer Service numbers* as soon as possible once you know that there is an issue. You'll need to raise a dispute within 60 days after the transaction date so that we'll have enough time to process your dispute request.
You can raise your dispute request by filling out an online dispute form:
We may require supporting documents (e.g. receipts, credit memo or proof of return) before we can process your dispute as required by Visa and MasterCard. If we don't receive the completely filled out online dispute form along with the supporting documents within the specified time frame, this means that you accept the disputed transaction/s as valid and will pay for the transaction/s.
The dispute process may take up to 90 calendar days from date of receipt of your complete online dispute form and supporting documents. We'll acknowledge your submitted documents and we'll reach out to you through your contact details on record if we need more details to complete our review. Otherwise, we'll send you the result before the 90-day period ends.
In case of any disagreement to the dispute result, we wish to tell you that the decision given by Visa or MasterCard are considered final.
*For assistance, please call HSBC's Customer Service at (02) 8858-0000 or (02) 7976-8000. For Premier, call (02) 8858-0800 or (02) 7976-8080. For corporate cards, call (02) 8672-6478.
Other information
What does Effective Interest Rate (EIR) mean?
EIR is the rate that exactly discounts estimated future cash flows through the life of the loan to the net amount of loan proceeds. It is the relevant true cost of the loan comparable to the concept of simple annual rate.
How are finance charges calculated?
Finance charges are applied if the cardholder opts to pay the Minimum Amount Due or any amount less than the Total Due or makes a cash advance transaction. The finance charge uses the average daily balance method upon the cardholder’s opening credit card balance and all new credit card transactions including any applicable fixed monthly installment amount within the statement period. This average daily balance is accrued from the transaction date until the end of the current statement period.
Finance charges are applied if the cardholder opts to pay the Minimum Amount Due or any amount less than the Total Due or makes a cash advance transaction. The finance charge uses the average daily balance method upon your unpaid outstanding balance as of statement cut-off date, excluding new retail transactions made in the current billing cycle, accrued from the statement cut-off date until the outstanding balance and applicable interest are fully paid.
For fees, charges and pre-terminated instalments, finance charges will be imposed using the average daily balance method upon the fee/charge/pre-terminated instalment amount accrued from transaction date until the fee/charge/pre-terminated instalment is fully paid.
For inquiries or complaints, please call HSBC's Customer Service at (02) 8858-0000 or (02)7976-8000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (International Access Code) + 800-100-85-800 international toll-free for selected countries/regions, or talk to us through Chat by clicking on the icon at the bottom right of our homepage. If you want to find out more about HSBC's customer feedback procedures, please visit hsbc.com.ph/feedback.
The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral) https://www.bsp.gov.ph. You may get in touch with the Bangko Sentral Consumer Protection and Market Conduct Office through their Email: consumeraffairs@bsp.gov.ph; Webchat: http://www.bsp.gov.ph; Facebook: https://www.facebook.com/BangkoSentralngPilipinas or SMS: 021582277 (for Globe subscribers only).
Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through chat.