Flexible payments in two currencies
Manage your spending at home, in China and beyond on a single card.
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Up to $800 RewardCash welcome offers
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Extra $100 RewardCash by using the QR Code Payment function in HSBC Reward+
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Extra $100 RewardCash upon opening of HSBC One account
Eligibility:
Annual income of HKD60,000 or above
HSBC One x HSBC Credit Card Top Up Offer: Get extra $100 RewardCash upon opening of an HSBC One account and successful application of a HSBC UnionPay Dual Currency Card from now till 31 July. Learn more.
Extra RewardCash
- Get up to 6X RewardCash for spending in Rewards of Your Choice category. Click here for details.
QR Code Payment with HSBC Reward+
- Brand new payment experience on HSBC Reward+ to use QR code during check-out at designated merchants in Mainland China, Hong Kong, Macau and other regions that accept UnionPay QR code without having to show the physical card. Click here for feature details and latest offers.
- Earn $100 RewardCash rebate upon making 5 or more QR code payment transactions (HKD/RMB30 or above each) on HSBC Reward+ or UnionPay App. Click here to learn more about the offer.
More benefits
Enjoy flexible payment in Hong Kong dollars and Renminbi without worrying about exchange rate fluctuations
Don't miss out on dining and shopping offers and discounts you get with your HSBC UnionPay Dual Currency Credit Card all over the world.
How to apply
HSBC customers
With HSBC Personal Internet Banking
Without HSBC Personal Internet banking
What else should I know?
Card offers and rewards
Red Hot Deals
Spend and earn RewardCash to redeem cash vouchers or gift items at our Rewards e-Shop, or offset your spending at participating merchants.
Year-round Offers
Enjoy exclusive discounts on dining, shopping, travel and more.
You've earned it!
A few tips to help you get the most out of online spending offers with HSBC Red Credit Card.
T&Cs apply. To borrow or not to borrow? Borrow only if you can repay!
Privileges for HSBC Dual Currency Credit Card
Medical, Travel Assist and Concierge Service ("Assist Service")
- Emergency Medical Assistance - The Assist Service can provide medical advice over the phone, make referrals of clinics or hospitals, and arrange hospital admission upon request. If the situation requires, the Assist Service can arrange your family to visit or evacuate you to a centre of medical excellence.
- Emergency Travel Assistance - If you lose your luggage, passport or credit cards while travelling, the Assist Service can refer you to the appropriate authorities involved. In emergency cases, the Assist Service can also assist you in making flight or hotel reservation, interpreting or transmitting messages to your families.
The service is within China only. Please click here for details.
Simply call (852) 2169 0108 for details of the Assist Service or making related arrangements.
Repayment methods
You’ll need to settle your Hong Kong dollar and Renminbi account balances separately for this card. If you overpay on one account, it will not be credited to the other account.
If you pay Hong Kong dollars into your Renminbi account, we’ll convert the amount to Renminbi at the prevailing rate of exchange determined by the Bank on the date of payment processing. Because of exchange rate fluctuations, we advise you to have enough funds available to prevent repayment shortfall, as this could lead to finance and/or other charges.
| Payment options |
Hong Kong dollar card account Payment in Hong Kong dollar |
Renminbi card account Payment in Renminbi |
Renminbi card account Payment in Hong Kong dollar |
|---|---|---|---|
| Personal Internet Banking |
|
|
|
| Phone banking |
|
Not applicable |
Not applicable |
| PPS |
|
Not applicable |
Not applicable |
| ATM |
|
Not applicable |
Not applicable |
| Autopay |
|
|
|
| Cheque* |
|
Not applicable |
|
| Pay at counter |
|
|
|
| Cash deposit machine |
|
Not applicable |
Not applicable |
| Cheque deposit machine |
|
Not applicable |
Not applicable |
| Payment options |
Personal Internet Banking |
|---|---|
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
|
| Renminbi card account Payment in Hong Kong dollar |
|
| Payment options |
Phone banking |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
Not applicable |
| Payment options |
PPS |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
Not applicable |
| Payment options |
ATM |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
Not applicable |
| Payment options |
Autopay |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
|
| Renminbi card account Payment in Hong Kong dollar |
|
| Payment options |
Cheque* |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
|
| Payment options |
Pay at counter |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
|
| Renminbi card account Payment in Hong Kong dollar |
|
| Payment options |
Cash deposit machine |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
Not applicable |
| Payment options |
Cheque deposit machine |
Hong Kong dollar card account Payment in Hong Kong dollar |
|
| Renminbi card account Payment in Renminbi |
Not applicable |
| Renminbi card account Payment in Hong Kong dollar |
Not applicable |
*Cheque deposit at counter
Cardholder extras
Important Information
Starting from 30 June 2019, we will be extending contactless payment function to all new, replacement and renewal cards of HSBC UnionPay Dual Currency Credit Card by phases to provide you with added convenience. If you wish to opt out of the contactless payment function, you may fill out the Credit Card Contactless Payment Function Amendment Form downloadable from Forms and Documents Download on our website or contact our Customer Service Centre at (852) 2233 3000.
More information
Contact us
By phone
HSBC Premier customers
(852) 2233 3322
Other customers
(852) 2233 3000
Credit card activation
(852) 3163 0688
Credit card offers
(852) 2748 8033
To borrow or not to borrow? Borrow only if you can repay!
At an HSBC branch