Ready or not, it's almost time to head back to school. Use this checklist to make sure you don't miss out on any essentials you'll need for school, work within your budget and hunt down the best discounts in the market.

1. Enjoy a 2.4% RewardCash rebate on your tuition fee

Don't forget the most important thing on your checklist - paying your tuition fees on time. Get a 2.4% RewardCash rebate1 by paying your tuition fees online using the HSBC Visa Gold Card for Students. With that, you're all set to make this your best year yet!

Don't have the HSBC Visa Gold Card for Students yet? Don't miss out on this amazing offer that will free up even more funds for stuff you might need to get mid-semester. You can apply for the student credit card now in a few easy steps.

2. Update the tech

When you're trying to do research for a paper (or getting your assignments out minutes before the deadline), the last thing you'd want is an old laptop slowing you down. Get yourself a spanking new one without hurting your pockets, all thanks to special discounts at major local electronics stores with your HSBC credit card.

LENOVO

HKD600 off upon spending HKD10,000 for regular-priced items.

FORTRESS

HKD100 off upon spending HKD2,000 on a single selected item.

CHUNG YUEN ELECTRICAL

HKD100 off upon spending HKD2,000 on regular-priced items.

NINKI DENKI

Up to 20% off designated home appliances, healthcare products, beauty products and earphones.

3. Don't forget about the books

Shop smart with an array of exclusive discounts and offers for books and school supplies at top bookstores across Hong Kong. 

ESLITE BOOKSTORE

HKD30 off upon single transactions of HKD300 or above made with HSBC Visa Card via mobile payment or the Visa contactless payment function. Mobile payment options include Apple Pay, Google Pay™ and Samsung Pay.

POPULAR

10% off upon spending of HKD200 on regular-priced books, stationery and gifts.

COSMOS BOOKS

10% off upon net purchase of HKD100 on all regular-priced items.

4. New year, new look

Part of getting yourself prepared for a new school year is feeling confident. Give your self-esteem a quick boost with some retail therapy. Enjoy 10% off selected regular-priced items at these trending brands:

Prefer shopping online? Register for “Red Hot Online and Overseas Spending Rewards” to earn up to 2.4% RewardCash rebate on online and overseas spending all year round.

1Only applicable to HSBC Visa Gold Card for Students. Promotion period is divided into two phases: (1) 1 July 2019 to 31 December 2019 and (2) 1 January 2020 to 2 March 2020. Eligible cardholders can earn up to HKD200 RewardCash each phase and up to HKD400 RewardCash for the entire Promotion Period. Terms and conditions apply. Please visit www.hsbc.com.hk/studentcard for details.

To borrow or not to borrow? Borrow only if you can repay!