Top of main content

HSBC UnionPay Dual Currency Credit Card

Get up to $1,000 RewardCash when you apply for an HSBC UnionPay Dual Currency Card. T&Cs apply

Flexible dual currency payments locally and in mainland China

Manage your spending at home, in mainland China and beyond all on a single card.

Welcome offers

  • Up to $800 RewardCash[@cards-welcomeoffer]
  • Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
  • Extra $100 RewardCash by using the QR Code Payment function in HSBC Reward+[@cards-rewardplus-qrcode-100rc]
  • First 2-year annual fee waiver

Key benefits

Get up to 2.4% in RewardCash rebates

Get up to 6X RewardCash for spending in Rewards of Your Choice category. Rebate rate at 2.4% (ie HKD4.17 for 1 mile). Together with our new 'Red Hot Rewards of Your Choice Bonus Boost', you can earn up to an extra $3,000 RewardCash all year round! More about Red Hot Rewards.

Easy QR code payments with $100 RewardCash rebate

Display the QR code or scan the merchant's QR code in the Reward+ app to complete transactions in mainland China, Hong Kong, Macau or anywhere that accepts UnionPay QR codes, without having to show the physical card—earn $100 RewardCash in rebates when you make 5 or more QR code payment transactions of HKD/RMB30 or more each; T&Cs apply.

Additional benefits you can enjoy

  • One card, dual currency
    Enjoy flexible payments in Hong Kong dollars and renminbi without worrying about exchange rate fluctuations.
  • Fabulous worldwide UnionPay offers
    Enjoy dining, shopping and other fabulous offers with your HSBC UnionPay Dual Currency Credit Card all over the world! For details, please visit the UnionPay website.
  • Activate your virtual card once your application has been approved
    Once your application has been approved, you can activate your virtual card and add it to your mobile wallets. Start shopping online and making mobile payments with your card right away for a faster, hassle-free experience!
  • Foreign currency transaction fee waiver
    Save 1.95% in fees on every renminbi transaction.
  • Enjoy medical and travel assist services (Assist Services)
    Need some help while you're in mainland China? We're just a call away. UnionPay's Assist Services—Emergency Medical Assistance and Emergency Travel Assistance—are ready to lend a hand.

Apply online now

Frequently asked questions

Get more from your card

Make the most of your credit card through our mobile apps, credit card offers and services
RewardCash couldn't be easier to earn with an array of offers! Enjoy a wide range of options in redeeming your RewardCash the way you want – to offset purchase transactions, redeem miles, cash vouchers, gifts and more!
Enjoy exclusive discounts on dining, shopping, travel and more perks


    • To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.