Top of main content
Two couples are enjoying travel; image used for HSBC Pulse UnionPay Dual Currency Diamond Credit Card.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Make your local and Mainland China spending more rewarding.

Get up to $1000 RewardCash when you apply for an HSBC Pulse Credit Card. T&Cs apply.

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

Enjoy extra rewards and great deals in local and Mainland China spending.

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

Smart tip: 

Activate your virtual card and add it to digital wallets once your card is approved. Shop with your card right away for any online and mobile payment purchase. Enjoy an even faster and hassle-free shopping experience! Learn more

The skyline of Shanghai; image used for HSBC Credit Card.

Up to 4.4% exclusive RewardCash rebate in Mainland China.
Easy payment via QR code

Enjoy extra rewards and seamless service when you travel around the world, especially in Mainland China and Macau. 

  • Up to extra 2% exclusive RewardCash rebate for spending made through QR Code Payment and/or Mobile Payment in Mainland China and Macau. No spending requirement is required ( T&C apply)
  • Get extra 2% RewardCash on Red Hot Rewards of Your Choice by allocating spending categories to Overseas and Mainland China Spending (Click here for details)
  • 0.4% Basic RewardCash for all of your spending
  • Mark up fee waiver for transactions in Renminbi and Macau Pataca
  • Easy QR code payment with Reward+: Simply display the QR code or scan the merchant's QR code with HSBC Reward+ to complete your transaction in Mainland China, Hong Kong SAR, and other regions that accept UnionPay QR code. 


Friends shopping together; image used for HSBC Credit Card.

Earn extra rebates on local & online spending 

Not ready to explore the world? You can also earn extra RewardCash on local and online spending via the programmes below:

  • Earn up to 2.4% RewardCash rebate all year round via the Red Hot Rewards of Your Choice, by allocating rewards to your preferred spending categories, including Dining, Home etc. (Click here for details)
A lady is paying credit card by using her mobile phone; image used for HSBC Credit Card.

Discover hundreds of privileges for UnionPay Card

From dining, shopping or lifestyle, your UnionPay Card is offering the all-rounded privileges (Learn more)

  • Buy 1 get 1 free at ÉPURE Tsim Sha Tsui, Zuma Central and La Rambla Central (Reserve Now)
  • Enjoy Extra Free Parking Hours at designated SHKP Malls. (Click here for details
A pair of lady’s hand is holding a gift; image used for HSBC Credit Card.

Don’t miss out Time Limited Offers

Earn $100 RewardCash rebate for QR code payment transactions

  • From 1 Jan – 31 Dec 2023, earn extra $100 RewardCash upon making 5 or more QR code payment transactions (HKD/RMB30 or above each) on HSBC Reward+ or UnionPay App (Learn more)
More benefits
  • Concierge service with dedicated HSBC hotline*

*For details, please visit UnionPay website, or call HSBC Pulse UnionPay Dual Currency Diamond Card dedicated concierge hotline for any assistance: (852) 3104 1156 .T&Cs apply.

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

Annual income of HKD150,000 or above

What else should I know?

Card offers and rewards

A woman is having Japanese meal; image used for Red Hot Offer Page.
This link will open in a new window

Catch the latest fabulous credit card offers.

Two ladies have just finished shopping; image used for HSBC Reward Cash Program.

Spend and earn RewardCash to redeem cash vouchers or gift items at our Rewards e-Shop, or offset your spending at participating merchants.

A woman is shopping in the mall; image used for HSBC Reward+ Page.
This link will open in a new window

Enjoy exclusive discounts on dining, shopping, travel and more.

Girls are enjoying online shopping; image used for rack up online spending offers with your HSBC Red Credit Card page.

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!

Note: “HSBC Pulse UnionPay Dual Currency Diamond Credit Card” is formerly known as “HSBC UnionPay Dual Currency Diamond Credit Card”, both of which are subject to the Credit Card Cardholder Agreement as amended from time to time.


Privileges for HSBC Pulse UnionPay Dual Currency Diamond 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. (The service is worldwide for HSBC Pulse UnionPay Dual Currency Diamond Credit Cardholders.)
  • 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 worldwide for HSBC Pulse UnionPay Dual Currency Diamond Credit Cardholders.)
  • Concierge Service - The Concierge Service can help you with restaurant recommendations and reservations, as well as hotel and flight reservations. You can also be assisted for delivery of flowers and gifts to your families and friends.

Please click here for details of the services - HSBC Pulse UnionPay Dual Currency Diamond Credit Card 


Simply call (852) 3104 1156  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.

Repayment Options
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

Cheque* Not applicable

Pay at counter

Cash deposit machine  Not applicable
Not applicable
Cheque deposit machine

Not applicable
Not applicable

*Cheque deposit at counter

Important Information

Starting from 30 June 2019, we will be extending contactless payment function to all new, replacement and renewal cards of HSBC Pulse UnionPay Dual Currency Diamond Credit Card and 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.

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!

Please note that we do not appoint any third parties to refer credit card applications to us and will not process any credit card application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852)2233 3000.

  1. New Card Customers who activate the Eligible Credit Card, and successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$30,000 and with a repayment period of 24 months or above within the first 60 calendar days after card issuance, can enjoy an extra $200 RewardCash.