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HSBC Visa Signature
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HSBC Visa Signature
RM 6,000
Minimum monthly income
RM 0
Annual fee
Free for the first year, and waived in the subsequent years by making 12x transactions and spending RM2,000 within a year
15%
Interest rate p.a
3.88%
Balance transfer rate (fixed)
Special Offers
Get RM800 Touch 'n Go eWallet Credits guaranteed when you apply, activate, and spend with HSBC Live+ Credit Card via CompareHero today.
Product details
Product details
Benefits
Free 24-hour loss reporting line
If you lost your credit card, don't hesitate to reach out to HSBC available for you 24/7
SecurePay
Secure transactions when making online purchases with a One-Time-Password (OTP) sent via SMS
Pin and Pay
For improved financial security and to prevent credit card fraud, a 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia. Additionally, new credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay.
Email statements
Timely delivery of statements securely and privately so enjoy no lost or misplaced statements. Join HSBC's Go Green Initiative - advocating a paperless environment, and reducing global carbon footprint.
Cash Advance
Flexibility for emergency use or when a credit card payment is not acceptable. No documents are required and enjoy 24-hour instant cash withdrawal from any ATMs worldwide.
Balance Transfer
Consolidate your other credit card outstanding balances and enjoy a low 3.88% one-time upfront handling fee for 12 months.
Card Instalment Plan
Convert your dream item purchase into flexible zero-interest instalments for up to 36 months!
Cash Instalment Plan
Convert available credit limit into cash and enjoy interests as low as 3.88% p.a. and 4.88% p.a. for new-to-card and existing-to-card customers respectively, for up to 12 months of repayment period.
Features
Good for
Rewards/Offers
8X Reward Points on online & overseas spend (using foreign currency)
5X Reward Points on online & shopping spend (using local currency)
6X complimentary annual access to participating Plaza Premium Lounge in KLIA, Hong Kong International Airport and Singapore Changi Airport
Seamless digital payments via Apple Pay, Samsung Pay & Google Pay
1% contribution on charity spend
Eligibility
| Minimum monthly income | RM 6,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year, and waived in the subsequent years by making 12x transactions and spending RM2,000 within a year |
| Late payment fee | RM 10/1% | A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100. |
| Interest rate | 15% | Cardmembers who promptly settle their min payment due for 12 consecutive months. |
| Balance transfer rate (fixed) | 3.88% | Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year, and waived in the subsequent years by making 12x transactions and spending RM2,000 within a year |
| Late payment fee |
RM 10/1% A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100. |
| Interest rate |
15% Cardmembers who promptly settle their min payment due for 12 consecutive months. |
| Balance transfer rate (fixed) |
3.88% Enjoy a low one-time upfront handling fee of 3.88% for a 12-month repayment. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian):
Multinational / Public listed Companies/Government/Semi-Government office
-
Photocopy of MyKad (both sides), and any one document from below:
- - EPF statement - latest original PDF copy of non-password protected statement downloaded from KWSP website/App OR
- - Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit OR
- - Letter of confirmation from employer or latest month salary slip if employed less than 3 months OR
- - Latest Income Tax Return Form (Form BE with tax receipt) OR
- - Form EA
Other Companies
-
Photocopy of MyKad (both sides) and any two documents from below:
- - EPF statement - latest original PDF copy of the non-password protected statement (latest 2 years EPF statement if contribution less than 6 months) downloaded from KWSP website/App AND/OR
- - Bank statement - original PDF copy of non-password protected statement downloaded from online banking website/App showing latest 3 months salary credit AND/OR
- - Latest 3 months salary slip AND/OR
- - Latest Income Tax Return Form (Form BE with tax receipt) AND/OR
- - Form EA
Self-Employed (Malaysian):
- - Photocopy of MyKad (both sides), AND
-
- Photocopy of Business Registration Form (established minimum 3 years), AND any one document from below:
- > Bank statement - latest 6 months original PDF copy of non-password protected statement downloaded from online banking website/App AND/OR
- > Latest Income Tax Return Form (EPF Statement or Form B with payment receipts or CP02 attached)
Expatriate:
- - Copy of passport showing personal details and work permit (must be valid for at least 1 year)
- - Latest month's salary slip
- - Letter of confirmation from employer stating position, remuneration and duration of employment
- - Minimum RM10,000 per month AND working for multinational/public listed companies/government/semi-government/HSBC corporate lending employers
For more information, you may click on the link below:
Product review by 
Product review by
Do you happen to be a frequent shopper locally or when you travel overseas? The HSBC Visa Signature Card will benefit you greatly with their endless rewards for every purchase!
Earn HSBC reward points with every purchase
When you perform transactions with your HSBC Visa Signature Card, for every RM1 spent, you are entitled to receive 1x HSBC Reward Point. In addition to that, you are also able to receive up to 7x additional HSBC Reward Points based on the eligible categories when you swipe your card overseas. Furthermore, when you swipe your card locally at participating retail outlets or online, you will earn up to 4x additional HSBC Reward Points according to the eligible categories.
|
Category |
HSBC Reward Points |
|
Overseas and online spending in foreign currency |
8x Reward Points |
|
Local shopping (in-store) and online spending in local currency |
5x Reward Points |
Participating malls:
- - Klang Valley - Pavilion Kuala Lumpur, Bangsar Shopping Centre, Lot 10, Atria Shopping Gallery, Publika Shopping Gallery, Sungei Wang Plaza, Hartamas Shopping Centre, Suria KLCC, Sogo, IOI City Mall, Starhill Gallery, The Gardens Mall, 1 Utama, The Curve, Bangsar Village, IPC Shopping Centre, Paradigm Mall, Tropicana City Mall, Empire Shopping Gallery, Setia City Mall, Sunway Putra Mall, Sunway Pyramid, Nu Sentral, Midvalley Megamall
- - Penang - Gurney Plaza, Gurney Paragon Mall, Queensbay Mall, Sunway Carnival
- - Johor - KSL, Sutera Mall, AEON Tebrau City, Johor Bahru City Square, Johor Premium Outlets (JPO)
- - East Malaysia - One Borneo
Note: When it comes to petrol, charitable organisations or government services, you will not be entitled to earn any HSBC reward points with your Visa Signature HSBC Credit Card.
HSBC credit card rewards and premium privileges
HSBC Visa Signature Credit Card owners can enjoy the HSBC credit card benefits as well. Some of the popular offers include an RM100 cash voucher for Lazada, Grab, PrestoMall, Agoda and Zalora when you claim these vouchers with 35,000 HSBC Reward Points each. The awesome gadgets you could redeem with your HSBC Reward Points include a wireless mouse, luggage scale, and many more.
Apart from that, HSBC Visa Signature cardholders are entitled to the HSBC Balance Transfer Program where cardholders can transfer their outstanding balances to their HSBC Visa Signature card as well as the HSBC’s Home & Away Privilege Program where cardholders can enjoy exclusive offers and deals at more than 19,000 retail outlets worldwide in over 160 countries.
When you are travelling overseas, you will receive up to 6x complimentary access passes to premium lounges from participating countries which are Hong Kong, Singapore, and of course KLIA.
A highly secured credit card
Enjoy a worry-free credit card like the HSBC Visa Signature that comes with a free 24-hour reporting line whenever you are facing issues related to the loss of a card. On top of that, the HSBC Visa Signature Credit Card also comes with one of the most well-equipped levels of process and technology, ensuring complete privacy and protection to prevent any kind of fraud or scam that could result in theft or loss.
With that in mind, the HSBC Visa Signature Credit Card was designed to ensure cardholders can make the most out of the card without having to stress while they are performing their transactions intentionally or locally.
FAQs
FAQs
To be eligible for the HSBC Visa Signature primary card, you have to be at least 21 years old and above. As for the supplementary card, you have to be at least 18 years old and above. Aside from that, you also have to be earning an income of at least RM6,000 monthly or RM72,000 annually.
The annual fee for primary cardholders would be RM600 while the annual fee for supplementary cardholders is RM300. The first year is free, and continue to have it waived by meeting an annual spend of RM2,000 and spending at least once a month for 12 consecutive months.
In addition to the annual fees, the HSBC Visa Signature cardholders will also be charged with RM25 for sales and service tax purposes. There is also a late payment fee of 1% or it can also be RM10 from the overdue amount. As for interest rates, you will be charged with 15% annually provided you make the minimum monthly repayment which is 5% or it can be RM50 from the overdue amount, depending on which amount is higher.
- - Earn 8X reward points for every RM1 spent on online transactions and overseas in foreign currencies
- - Earn 5X reward points for every RM1 spent on online transactions and in-store shopping in Malaysia Ringgit
- - Complimentary 6X annual access to participating Plaza Premium Lounges in Hong Kong, Singapore and KLIA
- - Enjoy access to several HSBC offers and privileges when you dine, shop and so on overseas!
For frequent travellers and shoppers. When you regularly shop overseas, this card will benefit you greatly. Other than that, if you regularly shop at shopping malls and dine at the restaurants, you will be able to make use of the rewards earned with this credit card.
