Credit Cards

I've shared my employment details in my credit card application. How will this information be used?

The details you submit with your credit card application will be used for card approval purposes. Once approved, we'll update this information (excluding insurance policies/ MPF/ ORSO) in our records.

If you're an existing HSBC customer and want to update your employment details before a decision is made on your application, you can do so by:

How are finance charges and late charges calculated on my credit card?

Finance charges

We'll charge this to your credit card if you don't pay the total outstanding amount due on it by the payment due date. You can find the full details of how we calculate this fee in our banking tariffs guide.

Late charges

We'll charge this to your credit card if you don't pay the minimum payment due on or before the payment due date. You can find the full details of how we calculate this fee in our credit card terms.

Will I be charged extra if I use my credit card overseas?

For transactions in a currency different from your credit card

We’ll convert the amount into the currency for your card at the reference exchange rate that Visa or Mastercard adopted on the conversion date. We’ll then charge that amount to your credit card. We’ll also charge a fee that’s 1.95% of the transaction amount. This includes the 1% fee that Visa or Mastercard charges us.

For transactions in foreign currency with a UnionPay card

You can make transactions in a currency other than Hong Kong dollar or Chinese renminbi with your UnionPay Dual Currency Card or HSBC Pulse UnionPay Dual Currency Diamond Card. We’ll convert the amount into Hong Kong dollars at the reference exchange rate that UnionPay adopted on the conversion date. We’ll then charge the amount to the Hong Kong dollar sub-account of your credit card. We’ll also charge a fee that’s 1% of the transaction amount.

For transactions in foreign currency at the overseas point of sale

You may be offered the option to settle the foreign currency transaction in the currency of your credit card at the point of sale directly. This option is offered by the merchant, not by the card issuer. You should ask the merchant about the exchange rates and handling fees that apply before you decide to go ahead. It could cost more than if you paid the transaction fee instead. Please note that the merchant charges the handling fees in this arrangement, not the card issuer.

For transactions in Hong Kong dollars (HKD) made outside Hong Kong or with merchants who aren't registered in Hong Kong

We may charge a reimbursement fee for transactions made in Hong Kong dollars outside Hong Kong or with merchants that are not registered in Hong Kong, such as an online transaction. The reimbursement fee is 1% of the transaction amount if you use a personal Hong Kong dollar Visa or Mastercard credit card. The fee will apply to transactions that you and/or the merchant initiated, depending on the merchant's setting.

If you use a UnionPay Dual Currency Card or US Dollar Visa Gold Card, you won't be charged the reimbursement fee.

When I am overseas, I was given a choice to select whether I would like to settle in the currency of the credit card or the foreign currency. What is the difference? How would the Bank charge me?

If you choose to settle in the currency of the credit card, you are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in the currency of the credit card may involve a cost higher than the foreign currency transaction fee. Moreover, we may charge a reimbursement charge of 1% of the card transaction for transactions made by HK dollar personal Visa and Mastercard credit cards.

If you choose to settle in the foreign currency, the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. The Bank will also debit to the card account a fee of 0.95% of the card transaction charged by the Bank and a fee of 1% charged by Visa/MasterCard to the Bank. For HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank. Such transaction fee is waived for transactions effected in Macau Pataca and made with HSBC Pulse UnionPay Dual Currency Diamond Card.

How will I know which currency I'll be charged in for my online purchase, and what I'll be charged?

Please ask the online store where you're making your purchase.

In a currency that's different from your Visa or Mastercard credit card

We’ll convert the amount into the currency for your card at the reference exchange rate that Visa or Mastercard adopted on the conversion date. We’ll then charge that amount to your credit card. We’ll also charge a fee that’s 1.95% of the transaction amount. This includes the 1% fee that Visa or Mastercard charges us.

In a currency that's different from your UnionPay credit card

You can make transactions in a currency other than Hong Kong dollar or Chinese renminbi with your UnionPay Dual Currency Card or HSBC Pulse UnionPay Dual Currency Diamond Card. We’ll convert the amount into Hong Kong dollars at the reference exchange rate that UnionPay adopted on the conversion date. We’ll then charge the amount to the Hong Kong dollar sub-account of your credit card. We’ll also charge a fee that’s 1% of the transaction amount.

If you use an HSBC Pulse UnionPay Dual Currency Diamond Card in Macau Pataca, we'll waive the 1% transaction fee.

In foreign currency at the point of sale

You may be offered the option to settle the foreign currency transaction in the currency of your credit card at the point of sale directly. This option is offered by the merchant, not by the card issuer. You should ask the merchant about the exchange rates and handling fees that apply before you decide to go ahead. It could cost more than if you paid the transaction fee instead. Please note that the merchant charges the handling fees in this arrangement, not the card issuer.

Can I get the annual fee on my credit card waived?

For the HSBC Premier Mastercard Credit Card and the HSBC Red Credit Card, we've permanently waived the annual fee.

For the HSBC EveryMile Credit Card, we waive the annual fee for your first year as part of the welcome offer. After that, we'll waive the annual fee for the next year if you've spent the designated annual amount with your card. You can find details on this in the footnotes on our HSBC EveryMile Credit Card page.

For all other HSBC credit cards, please refer to the key facts statement for your card and our banking tariffs guide.

We reserve the right of final decision to charge or adjust the annual fee.

What are the benefits of an HSBC Premier Credit Card?

For more details, please visit the HSBC Premier Credit Card page.

Do I need to pay any extra fees to apply for an HSBC Premier credit card?

No, you won't need to pay any extra fees to apply for an HSBC Premier credit card.

You'll also enjoy a perpetual annual fee waiver on both your HSBC Premier primary and additional credit cards. Simply provide your HSBC Premier integrated account number.

Please note that we reserve the right to revise all charges without notice. You can ask for the latest charges at any of our branches.

How will I know if I've successfully applied for an HSBC Premier Mastercard® Credit Card?

We’ll let you know if your application has been successful. We'll notify you by SMS, email or post.

How do I check my credit card application status?

After you've submitted your application, please write down the reference number that's on the screen. You can also find the reference number in the SMS we send you after we receive your application.

Next, give us a call on the right hotline for you:

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

There's a problem with a transaction on my credit card statement. What number should I call?

Please call us as soon as you notice the problem and we'll look into it for you.

You can call us on the right hotline for you:

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

Can I apply for an additional credit card?

Yes, you can apply for an additional card under your HSBC credit card. But please note that you can’t do so if it’s an HSBC EveryMile Credit Card or HSBC Visa Gold Card for Students.

Will I earn RewardCash when I pay my bills online?

Yes, you'll earn $1 RewardCash for every HKD250 you pay towards your bills online with any of the following credit cards.

• HSBC Premier Credit Card
• HSBC Visa Signature Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC easy Credit Card / Visa Platinum Credit Card
• HSBC Pulse UnionPay Dual Currency Diamond Card

Please note that you won't earn RewardCash for.

• Inland Revenue Department bills
• Bills paid to insurance companies under policy loan repayments
• Bills paid to financial companies made with any credit card

You'll earn RewardCash for the first HKD10,000 in eligible transactions in each monthly statement cycle only. You must make the transaction with an eligible credit card.

How do I cancel a recurring credit card payment?

First, please ask the merchant to cancel the payment. Make sure you keep any written communications with the merchant.

If the merchant refuses, please send us a copy of:

• Your written instructions to the merchant, asking them to cancel the payment
• Any relevant supporting documents such as the sales slip or invoice

We'll need them to negotiate with the merchant bank.

But you should note that the final outcome will depend on the results of our investigation.

When will I know the result of a credit card dispute?

We'll send you an Acknowledgement email or letter within 7 working days of receiving your request. We'll then let you know if there are any updates as we follow up on the case.

My credit card has been lost or stolen. How do I report the loss and get it replaced?

Please report lost or stolen credit cards as soon as you can. This will help prevent fraudsters from using them.

If the card was lost or stolen within the last 30 days, you can let us know about the loss and ask for a replacement via the HSBC HK App or HSBC Online Banking. For the full steps, please visit our 'lost or stolen cards' page.

If the card was lost or stolen more than 30 days ago, please call us on the right hotline for you instead.

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

How do I report a lost or stolen credit card, and get it replaced via the HSBC HK App?

To report a lost or stolen credit card and get it replaced, please follow these steps:

1. Log on to the HSBC HK App, and go to 'Cards'.
2. Swipe to the card you want to report, and choose 'More'.
3. Select 'Report and replace lost card'.

How long will it take to process my lost or stolen credit card, and get a replacement card?

We'll process your report of a lost or stolen credit card right away. We'll block the card immediately to keep your account safe. Once this is done, we'll let you know by email or post.

We'll also process your request for a replacement credit card right away. We'll send you a replacement credit card with a new number at your registered correspondence address within 5 working days.

When should I dispute a pending transaction?

Please wait until the transaction has been processed and posted. Pending transactions may change, so it's better to wait until the final transaction amount has been processed and posted.

But if you don't recognise a pending transaction, please report it to us right away. You can do so by calling us on the right hotline for you:

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

How can I make payments to my credit card account?

You can make payments to these credit card account through the following channels and methods within the payment time. Your credit card payment record or any applicable credit limit will be updated in real time.

Note: Cheque, standing instruction, PPS or inter-bank transfer payment cannot be processed real time.

If I repay my credit card via other means before its autoPay instruction takes effect, will I be paying my card statement balance twice?

Yes, you'll end up paying it twice. So if you've already set up an autoPay instruction but you've also repaid your credit card statement balance via other means, please contact us before the payment due date. Kindly do so at least 1 working day before the due date if it's an HSBC payment account, or 2 working days if it's a non-HSBC account. This way, we can look into the matter for you.

You can do so by calling us on the right hotline for you:

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

Why can't I use my HSBC credit card at tunnels and some carparks?

This might be due to a default security feature on your HSBC credit card. It guards your card against offline transactions by fraudsters. But it might also stop payments that count as ‘offline transactions’ at tunnels and some carparks.

To make offline transactions, you’ll first need to make at least one face-to-face chip transaction. This means you need to insert your credit card into the payment terminal when you make the transaction. This will activate and authorise a transaction limit of HKD1,000 for offline transactions.

Once you’ve used up that limit, you’ll need to make another face-to-face chip transaction. This will activate and authorise another HKD1,000 that you can use for offline transactions.

What are contactless payments (like Visa payWave, Mastercard Contactless, and UnionPay QuickPass)?

With contactless payments, you can simply tap to pay with your credit card. It's a chip-based technology that's a free feature on your credit card.

You won't need to sign the sales slip to pay for your purchases unless the transaction is more than HKD1,000. This is subject to limits that we, Visa, Mastercard, UnionPay or the merchant may set from time to time.

You can make contactless payments with any of the following credit cards:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Credit Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard Card
• HSBC Classic Mastercard Card

How can I tell if I can make contactless payments on my HSBC credit card?

There will be a 'contactless payment' symbol on your credit card if this feature is available on your card. The following images show what the symbol looks like and where you can find it on your card.

How do I make a contactless payment?

When you're at the merchant's, simply tap the contactless payment terminal with your credit card. Once the transaction is completed, a green light will appear on the terminal.

You won't need to sign the sales slip to pay for your purchases unless the transaction is more than HKD1,000. This is subject to limits that we, Visa, Mastercard, UnionPay or the merchant has set.

Is there a transaction limit on contactless payments?

Yes, but it's generally the merchant who sets the limit. Depending on their setup, you can make a contactless payment of up to HKD1,000 per transaction. This is subject to limits that we, Visa, Mastercard, UnionPay or the merchant may set from time to time.

Do I need to apply for the contactless payment feature separately?

No. If your credit card supports contactless payments, you only need to agree to the terms and conditions for your card, and activate your card to use this feature.

You can make contactless payments with any of the following credit cards.

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Credit Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard Card
• HSBC Classic Mastercard Card

Where can I see my contactless payment transactions?

They'll be shown on your credit card statement along with other types of transactions that you made with the card. You can find your credit card statement in HSBC Online Banking or the HSBC HK App.

Where can I make contactless payments in Hong Kong?

You can make contactless payments at merchants all across Hong Kong. These include major supermarkets, convenience stores and restaurants. Just look out for the 'contactless payment' symbol the next time you shop and dine.

Or check out the Visa, Mastercard or UnionPay websites for a current list of merchants where you can make contactless payments.

• Visa website
• Mastercard website
• UnionPay website

Are contactless payments as safe as chip payments?

Yes, they’re just as safe. They were developed based on secure EMV (Europay, Mastercard and Visa) chip technology.

It gives contactless payments both data protection and transaction security. This is done through keys and the latest encryption technology.

Both types of payments are processed through the same reliable payment network.

Can I make contactless payments with my credit card outside of Hong Kong?

Yes, you can make contactless payments with your credit card even when you're outside of Hong Kong.

Do I need to sign the sales slip when I make a contactless payment?

You won't need to sign the sales slip to pay for your purchases unless the transaction is more than HKD1,000. This is subject to limits that we, Visa, Mastercard, UnionPay or the merchant has set.

What should I do if I've lost my mobile phone?

You should report the loss to your mobile service provider right away. You should also ask them to suspend your mobile telecommunication service. This is to ensure that unauthorised parties won't be able to receive your OTP, in case your credit card information has been accessed illegally. That way, they can't use your credit card to make any transactions.

Where can I check my monthly eStatements for my cards and accounts?

You can check your eStatements in the HSBC HK App.

You can also check it in HSBC Online Banking. Otherwise, we'll send your password-protected eStatement to you by email.

Can you send my eStatements to a different email address?

Yes, but you'll first need to update your email address in our records. You can also update any other personal details. You can do so via HSBC HK App, HSBC Online Banking or at any HSBC branch in Hong Kong.

Or you can do so by giving us a call on the right hotline for you:

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• All other HSBC customers: (852) 2233 3000

I've changed my eStatement password. How do I access my previous monthly eStatements?

Your new password will only work for eStatements that were issued after you had changed your password. For eStatements that were issued before that, you'll need to use your old password.

Can I apply for a credit card online?

Yes, you can apply for a credit card online.

• Via HSBC Online Banking: log on, find 'Cards, loans and mortgages', then go to 'Credit cards'.
• On the HSBC website: go to the menu at the top of the screen, find 'Borrowing, cards and loans' and select 'Apply for a credit card'.

You can also log on to the HSBC HK App and apply for a credit card.

What credit card instructions can I give in HSBC Online Banking?

You can do the following in HSBC Online Banking:

• Request a statement
• Set up or change your payment instructions
• Increase your credit limit
• Arrange an over-the-limit facility

For other instructions, please give us a call on the right hotline for you.

• HSBC Global Private Banking customers call (852) 2233 3033
• HSBC Premier Elite customers call (852) 2233 3033
• HSBC Premier customers call (852) 2233 3322
• Other customers call (852) 2233 3000

Do I need to register for Octopus Automatic Add-Value Service (AAVS) again with my replacement card?

No, you won't need to do so. We'll link your current Octopus card to your replacement card for the Automatic Add-Value Service (AAVS). Each cardholder can register up to 3 of their Octopus cards for AAVS with their HSBC credit card.

Do I need to enter my PIN when I make purchases abroad?

No, you won't need to enter your PIN when you make purchases if you use a credit card that we issued to you in Hong Kong.

What should I do if a merchant asks for my PIN when I make a purchase?

You should only need to sign the sales slip to complete your transaction, if you use a credit card that we issued to you in Hong Kong. Please ask the merchant to follow the instructions on the terminal to complete the transaction.

I'm abroad and I've encountered an automatic terminal that only accepts credit cards with a PIN. What should I do?

Abroad, some automatic terminals may only accept credit cards with a PIN. For example, terminals that sell bus, train or movie tickets.

Unfortunately, PIN is the only option at those terminals. But you could withdraw cash from an ATM and look for terminals that accept cash.

I've received an email or SMS about my credit card limit use. Why?

We'll send you an alert about your credit card limit use when you've almost reached the credit limit on your credit card.

What should I do if I receive an email or SMS about my credit card limit use?

There are a few things you can do, if you plan to spend beyond the credit limit on your credit card.

Settle your account balance first

This is to avoid the transaction being declined or to avoid an overlimit handling fee if you've opted in for an over-the-limit facility.

Please note that we process payments made via the HSBC HK App or HSBC Online Banking between the following times:

• Mondays to Saturdays, 9am to 6pm
• Sundays and public holidays, 9am to 12am

Get a credit limit transfer

You can transfer your credit card limits between your cards. To apply for this, log on to the HSBC HK App and follow these steps:

1. Stay on the homepage and select one of your credit cards.
2. Choose 'More', then 'Credit card limit transfer'.

Get a credit limit increase

You can apply for an increase to the credit limit on your card. To do this, log on to the HSBC HK App and follow these steps:

1. Stay on the homepage and select one of your credit cards.
2. Choose 'More', then 'Credit limit increase'.

I have received the credit limit alert earlier and repaid my balance. Will I still be charged the over-limit handling fee?

We will send you the notification when your credit card spending approaches the assigned credit limit. If the current card balance excluding all the fees and charges currently billed to the card statement has not exceeded the assigned credit limit, the over-limit handling fee will not be charged.

Why is the transaction date of my payment billed different from the actual transaction date?

We record the transaction date of a posted transaction in the monthly statement and Mobile and Online Banking platforms, based on the data provided to us by the merchant. 

How can I earn RewardCash?

You can earn $1 RewardCash for every HKD250 you spend on a credit card.
For US dollar or Dual Currency Credit Card Renminbi sub-accounts, you'll need to spend US$30 or RMB250 respectively to earn $1 RewardCash.

Will I earn RewardCash when I make Internet bill payments?

Yes, you will earn $1 RewardCash for every HKD250 paid towards your bills online (except bill payment to Inland Revenue Department) using the following cards:

• HSBC Premier Credit Card
• HSBC Visa Signature Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Platinum Card
• HSBC Pulse UnionPay Dual Currency Diamond Card

RewardCash will be awarded only for the first HKD10,000 eligible online bill payments made using an eligible credit card in each monthly statement cycle. Also, online bill payment transactions under bill type of policy loan repayment to insurance companies made with any credit card will no longer be eligible for RewardCash.

Can I redeem RewardCash online?

You can redeem RewardCash in the HSBC Reward+ app.

How can I redeem the RewardCash?

There are a variety of RewardCash programmes through which you can redeem your rewards. For example, you can redeem exclusive rewards gift items or offset your spending to enjoy instant savings at a range of merchants.
See all the RewardCash programmes

When does RewardCash expire?

Your monthly credit card statement will tell you when your RewardCash is due to expire. HSBC Premier cardholders can use their RewardCash up to three years after earning it. For all other cardholders, RewardCash is valid for up to two years. 
For more information about the validity of RewardCash, you can refer to the RewardCash Programme Terms & Conditions.

How do I register for an offer in 'Offers'?

You can register for an offer without logging on to Reward+. But you'll need to fill in your name and credit card number manually.

You can also log on to Reward+ instead so all the required information will be automatically filled in for you.

Once you've registered for an offer, you can see your registration records by going to 'Offers' and looking in the 'Registered offers' section.

I want to register for an offer with more than one of my credit cards. Will I need to do that for each card?

No, you won't have to register for an offer again with each card. Once you've registered for an offer with any one of your cards, we'll automatically register all your other eligible cards (primary and additional) for the offer too. This way, you won't have to register again. But you should note that the actual situation may vary, based on the terms and conditions of those offers.

The same applies if you have both credit cards and a Standalone RewardCash Programme profile.

I've downloaded Reward+ on more than one device. I registered for an offer on one of them. Can I see its registration record on my other devices?

That depends on whether you had logged on to Reward+ to register for that offer.

If you had logged on to Reward+ and registered for the offer, you'll be able see its registration record when you log on to Reward+ on your other devices.

But if you had registered for the offer manually without logging on to Reward+, its registration record won't be shown on your other devices.

What can I do with 'Bookmarks'?

You can use it to save offers that you're interested in. Simply tap the star icon next to the offer in the offer details page, and it'll be saved in 'Bookmarks'.

We'll remind you when your saved offers are expiring in a week, unless it's an offer that lasts less than 2 weeks. If you don't want to receive these reminders, you can turn them off at any time in 'Settings'.

Please note that some of your saved exclusive offers can only be seen after you've logged on to Reward+.

I had registered for an offer via other channels. I don't see its record in the 'Registered offers' section in 'Offers'. Why?

We'll only show the records of offers that were registered via Reward+. Offers that were registered via other channels won't be shown.

Will the offers that I had registered for or saved be removed from my 'Registered offers' and 'Bookmarks' once they expire?

Yes, we'll remove the offers from your 'Registered offers' and 'Bookmarks' once they end.

What can I do with 'Pay with RC'?

'Pay with RC' is exclusively available in Reward+. If you're the primary cardholder, you can pay your current statement or an individual credit card transaction, in part or in full, with your RewardCash ('RC').

We'll pool all your unused RC and show it in Reward+. That includes unused RC earned with any primary and additional cards you hold, and any Standalone RewardCash Programme profile you may hold. You can use 'Pay with RC' with all the RC that you earn:

• With Hong Kong dollar credit cards issued by HSBC
• Through transactions made in Hong Kong dollars with an HSBC Pulse UnionPay Dual Currency Diamond Credit Card or HSBC UnionPay Dual Currency Credit Card

We'll pool the RC that's soonest to expire, from all your cards. Our system will then fill the RC amount automatically, to match your outstanding statement balance or a transaction with your total available RC. You can always amend this RC amount.

The current standard redemption rate is $1 RC = HKD1. The redemption rate may be different under promotions with certain merchants. To learn more about the promotion details, select the gift icon shown in 'Pay with RC'.

Can I use "Pay with RC" to offset any transactions in currencies other than HKD?

No. Only purchases which are made in HKD or converted into HKD when posted can be offset by using the "Pay with RC" function. For HSBC Pulse UnionPay Dual Currency Diamond Card and HSBC UnionPay Dual Currency Credit Card, only purchases made in HKD can be offset. HSBC reserves the right to decide whether or not a transaction is eligible for offset by using the "Pay with RC" function.

I want to use 'Pay with RC'. Do I need to visit the merchant outlet to do so?

No, all you need to do is log on to Reward+. You'll need to have access to the HSBC HK App to log on to Reward+.

From there, you can pay a statement or transaction with your RewardCash at any time, from anywhere. 'Pay with RC' is exclusively available in Reward+.

How is the amount displayed in "Amount due" under "Pay with RC" calculated?

"Amount due" is the net amount you need to pay before the due date in order to fully settle your current statement. It takes into account your latest statement balance, and any subsequent payments you made with HKD and RC.  For example, if your latest statement balance is HK$1000, after you make a cash payment of HK$500 and a Pay with RC offset of 300 RC, the amount due will be HK$200.  The net amount displayed in "Amount due" is only shown in the "Pay with RC" function.  

What kinds of transactions can I see in 'Pay with RC'?

You can see all of the following purchase transactions made or settled in Hong Kong dollars:

• Pending transactions which are still being processed
• Posted transactions which have been processed but are not shown in your latest statement yet
• Billed transactions which are shown in your latest statement

You should note that you can't offset any of the following transactions with 'Pay with RC':

• Cash advances
• Fees and charges
• Cash withdrawals made with a credit card or Spending Instalment Plan and its extended features

What kinds of statements and transactions can I use 'Pay with RC' on?

You can pay your current statement or an individual credit card transaction, in part or in full, with your RewardCash ('RC').

If you're a new cardholder and your first credit card statement isn't available yet, you won't be able to see your statement balance in Reward+.

Can I cancel my  "Pay with RC" instructions after they've been confirmed?

No. Payments made using the "Pay with RC" function can't be cancelled or amended once they're confirmed.

Can I view and use the RewardCash earned with the additional card that I issued to another?

You can always view and use the RewardCash earned with your primary cards (including your private label cards) and their additional cards issued by you.

For example:

Credit cards under your name:
Card 1: HSBC Visa Signature primary card            50 RC
Card 2: HSBC Visa Signature primary PLC             20 RC

Additional cards issued by you:
Card 3: HSBC Visa Signature additional card         15 RC
Card 4: HSBC Visa Signature additional PLC          10 RC

Total RC available for your use:                               95 RC

Sometimes, when I use the promotional "Pay with RC" redemption rate, the RewardCash amount that I can enter is always rounded down, such that I am not able to settle the statement or transaction balance in full.  How can I pay the remaining balance?

We always round down the RewardCash amount so that it equals to or is always less than the outstanding statement balance or the transaction amount.  This is to avoid your overpaying of any statement or transaction when you use "Pay with RC". After converting your RewardCash using the promotional "Pay with RC" redemption rate, the corresponding HKD amount might not fully offset the statement balance or transaction amount. The unpaid balance (usually less than HK$1.00 for full offset) will be accumulated and reflected in the statement. You need to settle the remaining balance to avoid incurring any interests and finance charges if you don't fully settle the payment by the statement due date.

Example 1 - full offset (no RC round down)
- Transaction amount: HK$50.4
- Promotional Redemption rate: 1RC = HK$1.2
- RewardCash required for full offset: 42RC
- HKD equivalent using promotional redemption rate: HK$1.2 x42RC=HK$50.4
- Outstanding amount after offset: HK$50.4 - HK$50.4=HK$0  

Example 2 - full offset (after RC round down)
- Transaction amount: HK$20
- Redemption rate: 1RC = HK$1.2
- RewardCash required for full offset: 16.67RC
- RewardCash used: 16RC  (round down from 16.67RC)
- HKD equivalent using promotional redemption rate: HK$1.2x16RC=HK$19.2
- Outstanding amount after offset: HK$20 - HK$19.2=HK$0.8

Example 3 - partial offset (RC balance = 11)
- Transaction amount: HK$20
- Redemption rate: 1RC = HK$1.2
- RewardCash available for partial offset: 11RC
-  HKD equivalent using promotional redemption rate: HK$1.2 x 11RC =HK$13.2
- Outstanding amount after offset: HK$20 - HK$13.2=HK$6.8

What if I pay more than the amount due?

The overpaid amount will be saved in your credit card account as a credit balance. The next time you spend with your credit card, it will be deducted automatically.

I am an additional cardholder. Can I still use the RewardCash earned with my card via other channels?

Yes. Although you cannot use "Pay with RC" on Reward+, you can still use your RewardCash via all other channels.

Can I enter a RewardCash amount with a decimal number when I use "Pay with RC" on Reward+?

No. RC is always presented as a whole number on Reward+. When using RC to pay a statement or transaction, the automatically generated RC amount shown on Reward+ is always rounded down to the nearest integer. It is then converted into the corresponding HKD according to the redemption rate. If a statement or transaction amount is not a whole number, you may not be able to fully pay the statement or transaction.  In this case, you will need to arrange payment of  the outstanding amount by other available repayment methods such as cash deposit, PIB online transfer, cheque deposit, or over the counter payment.

Where can I view my "Pay with RC" payment records?

After you have paid your statement or transaction on “Pay with RC”, the record will be displayed instantly in transaction history on the “Account” page of Reward+.  The record will also be shown subsequently in Mobile Banking App, PIB, e-statement and paper statement. If the offset is posted after the statement date, it will be shown in your next month’s statement instead of this month’s statement.

However, if your card has been cancelled by you or by us, that card will be removed from Reward+. With respect to that card, you will not be able to use any of the "Pay with RC" functions on Reward+.

What happens when I select 'Account' in Reward+?

When you select 'Account' in Reward+, you'll be asked to log on. You'll need to have access to the HSBC HK App to log on to Reward+.

If you hold a credit card, you'll be able to see the following once you log on:

• Your credit card account transaction details
• Your current and latest credit card statements
• The RewardCash you've earned and used, and their expiry dates – including any earned with your Standalone RewardCash Programme profile, if you've got one

You can only see the statement and account balances in Reward+ if you're the primary cardholder. But if you or we have cancelled your card, it will be removed from Reward+. All its account transaction details and RewardCash records will no longer be shown.

If you have a Standalone RewardCash Programme profile only, you'll be able to see the details for your RewardCash, including what you've earned and used, and their expiry dates.

What information is shown on the "Expiry" page under "RewardCash summary"?

The "Expiry" page shows a breakdown of the RewardCash you earned, grouped and sorted by expiry date (maximum up to 3 years).

Is Apple Pay secure?

Apple Pay is a secure way to make payments. When you added your card to Apple Pay, instead of using your actual card numbers, a unique Device Account Number is assigned, encrypted, and securely stored in a dedicated chip (Secure Element) in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked – so only you can make payments from your device.

To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s fingerprint or biometric credentials in your device, or else they might be able to make transactions without your authorisation.

Is my device compatible with Apple Pay?

You can use Apple Pay in the following ways with the following devices on the latest iOS or WatchOS.

In apps and in stores

An iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE or later.

In stores

An Apple Watch that's paired with an iPhone 5 or later.

In apps

An iPad Pro, iPad Air 2, iPad mini 3, iPad mini 4 or later.

Can I use my HSBC credit card with Apple Pay?

You can use any of the following personal Hong Kong dollar (HKD) HSBC credit cards with Apple Pay:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard
• HSBC Classic Mastercard

What do I need to have before I can use Apple Pay?

To use Apple Pay, you must have all of the following. Once you do, you can go ahead and add a card to Apple Pay, and enjoy the fast, easy and private way to pay.

An eligible Apple device

You can use any of the following devices:

• An iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE or later
• An iPad Pro, iPad Air 2, iPad mini 3, iPad mini 4 or later
• An Apple Watch that's paired with your iPhone

The latest version of iOS or watchOS

You must install the latest version of iOS or watchOS for your device.

An eligible HSBC credit card

You can use any of the following cards:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard
• HSBC Classic Mastercard

Set 'Hong Kong' as the region on your device

Lastly, you must have 'Hong Kong' set as the region on your Apple device.

How do I add my credit card to Apple Pay?

That depends on the type of credit card you want to add to Apple Pay.

HSBC Visa and Mastercard credit cards

Please log on to the HSBC HK App and follow these steps:

1. Go to 'Cards' and swipe to the card you want to add.
2. Select 'Add to Apple Wallet'.
3. Read and agree to the disclaimer, then choose 'Get verification code'.
4. Enter the OTP we sent you by SMS, then select 'Confirm'.

HSBC UnionPay credit cards

Please open your Apple Wallet app and follow these steps:

1. Select the '+' icon in the top right corner.
2. Choose 'Debit or credit card'.
3. Select 'Add a different card'.
4. Follow the instructions on the screen and enter your card details.
5. Call our contact centre to complete your verification.

I'm on the 'Debit or Credit Card' page of Apple Wallet. What will happen if I select 'Add a different card' instead of 'HSBC Hong Kong 香港滙豐'?

For Visa and Mastercard credit cards, you'll get an error message and SMS. These will prompt you to complete the process in the HSBC HK App instead.

Otherwise, you'll be prompted to call our contact centre to verify and complete the process.

Can additional cardholders apply for Apple Pay?

Yes, additional cardholders can apply for Apple Pay using their additional cards. If your additional cardholder applies for the Apple Pay successfully, both you and your cardholder will receive an email confirmation on the service. The use of Apple Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

Can I use Apple Pay if I have other HSBC Mobile Payments service (such as Android SIM-based Mobile Payments)?

Yes, you can add your card to your device to use Apple Pay.

Can I still use a virtual card in my Apple Pay if I cancel its physical card?

No, both your virtual and physical card share the same card account. So if you cancel the physical card, it'll also be cancelled in your Apple Pay.

Can I use Apple Pay with a “jailbroken” device?

No. Apple Pay can only work on device which is not “jailbroken”.

Is Apple Pay free to use?

HSBC will not charge you additional for using Apple Pay.

Where can I use Apple Pay?

You can use Apple Pay in stores that have Visa payWave, Mastercard contactless or UnionPay QuickPass payment terminals.

You can also use it to make purchases in an app if Apple Pay is available as a payment option.

Can I use Apple Pay abroad?

Yes, you can use Apple Pay when you're abroad, in stores that have Visa payWave, Mastercard contactless or UnionPay QuickPass payment terminals. But we'd advise you to bring your physical HSBC card with you when you travel, just in case Apple Pay isn't accepted.

Do I need to connect to internet when I am using Apple Pay?

You do not need internet access to make purchases on Apple Pay. However, internet access is required during setup or to refresh the information of your past transactions.

Is there any limit for each transaction?

Transaction limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. For transactions that cannot be accepted by Apple Pay, please use your HSBC plastic card.

Where can I check my Apple Pay transactions?

You can check all the transactions you made via Apple Pay in HSBC Online Banking or the HSBC HK App. You can also check it on your credit card statement. These transactions will be marked with 'Apple Pay' under its transaction details.

Besides that, you can see the last 10 Apple Pay transactions made with your device under your card in the Wallet app.

Do I earn RewardCash for Apple Pay transactions?

Apple Pay transactions are treated the same as the other credit card transactions and thus you can earn $1 RewardCash for every HKD250 you spend on Apple Pay.

How do I set my HSBC credit card as the default card in Apple Pay?

The first card you add to Apple Wallet will be set as your default card. If you want to set a different card as your default card, there are two ways to do it.

In the Apple Wallet app

1. Open the Apple Wallet app.
2. Touch and hold the card you want, then drag it to the front of all your cards.

In 'Settings' on your device

1. Go to 'Settings' on your device, and select 'Wallet & Apple Pay'.
2. Select 'Default card', then choose the card you want as the default card.

What should I do if I lose my iPhone, iPad or Apple Watch?

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com or use the “Find My iPhone” app to suspend or permanently remove your card(s) from that device. If your device is turned off or does not connected to a mobile or Wi-Fi network, the action will be processed once it is online again.

Alternatively, you can call us on 2233 3000 to report loss of your device. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

What should I do if I lose my card?

Please call us on 2233 3000 immediately to report loss. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively. Once your plastic card are reported loss, you will not be able to continue to use Apple Pay with this card.

What do I need to do with my Apple Wallet cards when I switch over to a new device?

Remove your cards from Apple Wallet before you sell, exchange or dispose of your old device. There are two ways you can do this.

In the Apple Wallet app

1. Open the Apple Wallet app.
2. Select a card, then the '⋯' icon in the top right corner.
3. Choose 'Card details', then 'Remove card'.

In 'Settings' on your device

1. Go to 'Settings' on your device, and select 'Wallet & Apple Pay'.
2. Select a card, then 'Remove card'.

When you're ready, you can add your cards to Apple Wallet on the new device. For the detailed steps, please see 'How do I add my credit card to Apple Pay?'.

What should I do with my Apple Wallet cards if I want to trade in or send my device for servicing?

You should suspend all the cards in the Apple Wallet of that device before you do. You can do this in 'Find my iPhone' or via iCloud.com.

You can also remove all your cards from the Apple Wallet of that device. There are two ways you can do this.

In the Apple Wallet app

1. Open the Apple Wallet app.
2. Select a card, then the '⋯' icon in the top right corner.
3. Choose 'Card details', then 'Remove card'.

In 'Settings' on your device

1. Go to 'Settings' on your device, and select 'Wallet & Apple Pay'.
2. Select a card, then 'Remove card'.

When you're ready, you can add your cards to Apple Wallet on the new device. For the detailed steps, please see 'How do I add my credit card to Apple Pay?'.

Is Google Pay secure?

By creating a unique virtual account number for your payment information, your name and full card details are never shown in the app and never shared with the store. Google stores your payment information on secure servers and encrypts it with industry-standard SSL (secure socket layer) technology. For added security, you will be asked to unlock your device for certain payments from time to time. If your phone is ever lost or stolen, you can easily find, lock, or erase your phone using Android Device Manager (https://www.google.com/android/devicemanager).

To protect your card, keep your device under your personal control at all times. Depending on the model of your device, you may be able to turn off the NFC function when you are not using the Mobile Credit Card. If you have lost your device along with your Mobile Credit Card, please report to the bank using the telephone numbers on the back of your HSBC Credit Card as soon as possible.

Is my device compatible with Google Pay?

Google Pay works with Android devices that are on Android 9 or higher. If you want to use Google Pay on your smartwatch, it'll need to be on Wear OS 2.18 or higher.

Can I use my HSBC credit card with Google Pay?

You can use any of the following personal Hong Kong dollar (HKD) HSBC credit cards with Google Pay:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Visa Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard Card
• HSBC Classic Mastercard Card

What do I need to have before I can use Google Pay?

To use Google Pay, you must have all of the following. Once you do, you can go ahead and add a card to Google Pay, and enjoy a simple and secure way to pay.

A compatible Android device

Google Pay works with Android devices that are on Android 9 or higher. If you want to use Google Pay on your smartwatch, it'll need to be on Wear OS 2.18 or higher.

The Google Pay app

You'll need to download the Google Pay app from the Google Play Store. If your device is not compatible with Google Pay, you won't be able to to download it.

An eligible HSBC credit card

You can use any of the following cards:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard Card
• HSBC Classic Mastercard Card

How do I add my credit card to Google Pay?

Please note that Google Pay does not support HSBC UnionPay credit cards at this time. You can only add HSBC Visa and Mastercard credit cards.

Please log on to the HSBC HK App and follow these steps:

1. Go to 'Cards' and swipe to the card you want to add.
2. Select 'Add to G Pay'.
3. Read and agree to the disclaimer, then choose 'Get verification code'.
4. Enter the OTP we sent you by SMS, then select 'Confirm'.

I was adding my card when I was prompted to verify my identity by SMS verification code. What is it and why is it needed?

For your security, we may ask you to enter a verification code to confirm your identity. Please follow the instructions on the screen to receive and enter the verification code.

If you can't enter the verification code or it has expired, please contact us on the right hotline for you.

• HSBC Global Private Banking customers call (852) 2233 3033
• HSBC Premier Elite customers call (852) 2233 3033
• HSBC Premier customers call (852) 2233 3322
• Other customers call (852) 2233 3000

Can supplementary cardholders use Google Pay with their cards?

Yes, supplementary cardholders can use Google Pay with their cards. If your supplementary cardholder adds their card to Google Pay successfully, both they and you will receive confirmation by email.

The use of Google Pay will be governed by the new mobile credit card addendum to your credit card terms. You'll need to accept it to add your card to this service.

Can I use Google Pay if I also use other mobile wallets such as Apple Pay?

Yes, you can still add your card to a compatible device to use Google Pay.

The use of Google Pay will be governed by the new mobile credit card addendum to your credit card terms. You'll need to accept it to add your card to this service.

Can I still use a virtual card in my Google Pay if I cancel its physical card?

No, both your virtual and physical card share the same card account. So if you cancel the physical card, it'll also be cancelled in your Google Pay.

Can I use Google Pay with a rooted device?

No. Google Pay can only work on device which is not rooted.

Is Google Pay free to use?

HSBC will not charge you any additional fee for using Google Pay.

Where can I use Google Pay?

You can use Google Pay in stores with Visa payWave or Mastercard contactless payment terminals.

You can also use it to make purchases in an app if Google Pay is available as a payment option.

Can I use Google Pay abroad?

Yes, you can use Google Pay when you're abroad, in stores with Visa payWave or Mastercard contactless payment terminals. But we'd advise you to bring your physical card with you when you travel, just in case Samsung Pay isn't accepted.

Do I need to connect to internet when I am using Google Pay?

Internet access is required during setup or to refresh the information of your past transactions. 

In most circumstances you do not need internet connection to transact using Google Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

Is there a limit for each Google Pay transaction?

The transaction limit depends on the contactless terminal's setting.

For some contactless terminals, there's no transaction limit and you can use all of your available credit limit. For others, there may be a transaction limit of HKD500 or HKD1,000.

Your device might sometimes prompt you to unlock it for some transactions. Simply follow the instructions on the screen and hold your device close to the payment terminal. If a transaction can't be made with Google Pay, please try again with your physical card.

Where can I check my Google Pay transactions?

You can check all the transactions you made via Google Pay in HSBC Online Banking or the HSBC HK App. You can also check it on your credit card statement. Besides that, you can see the last 10 Google Pay transactions made with your device under your card in the Google Pay app.

Do I earn RewardCash for Google Pay transactions?

Google Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy and thus you can earn $1 RewardCash for every HKD250 you spend on Google Pay.

How do I set my HSBC credit card as the default card in Google Pay?

The first card you add to Google Pay will be set as your default card. To set your HSBC credit card as the default card in Google Pay, please follow these steps:

1. Open the Google Wallet app.
2. Choose the card you want
3. Select 'Details' and then 'Make default for tap to pay'.

What should I do if I lose my Android device?

Please call us to report the loss right away. Here's the number to call us on:

• HSBC Global Private Banking customers: (852) 2233 3033

• HSBC Premier Elite customers: (852) 2233 3033

• HSBC Premier customers: (852) 2233 3322

• Other personal banking customers: (852) 2233 3000

If you've added your Google account to your device, you can also secure your device or reset it to factory settings. Here's what we suggest you do:

1. Go to Find Hub.
2. Log on to your Google account.
3. Select the lost device, then 'Secure device'. This will remove all payment cards from your Google Pay wallet.
   Or select 'Factory reset device' to erase all information on that device. Please note that this will permanently delete all its data, but it may not delete what's on its SD cards. Once a device has been erased, its location won't be available in Android Device Manager.

What should I do if I lose my card?

Please call us to report the loss right away. Here's the number to call us on:

• HSBC Global Private Banking customers: (852) 2233 3033

• HSBC Premier Elite customers: (852) 2233 3033

• HSBC Premier customers: (852) 2233 3322

• Other personal banking customers: (852) 2233 3000

Once you've reported the loss of your physical card, you won't be able to use it with the mobile wallet on your device.

What happens when I change my device to a new model?

If you change my device to a new model, you will need to add your card(s) to Google Pay app again. Please ensure that you remove your card(s) from any device before selling, repairing, or disposing of them. You can remove your card by selecting "Remove Card" after you tap onto the card.

What should I do if I want to trade in my phone or want to send my phone for servicing?

You are reminded to remove all your cards in that device by selecting “Remove Card” after you tap onto the card. You might also consider removing all your data (including Google Pay’s payment information) by factory reset or suspending your cards by Android Device Manager (https://www.google.com/android/devicemanager).

Is Samsung Pay secure?

When you add a card to Samsung Pay, a device specific digital card is allocated by Card Network through tokenization represents your physical card. The digital card is stored and protected in Secure Environment using Samsung Knox technology. Your physical card details are not stored by Samsung Pay. To ensure each payment is authorised by you, you need to authenticate every payment with your Iris, Fingerprint or a Samsung Pay specific PIN. 

To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s biometric credentials in your device, or else they might be able to make transactions without your authorization.

Is my device compatible with Samsung Pay?

For a full list of devices that work with Samsung Pay, please visit the Samsung Pay website.

Can I use my HSBC credit card with Samsung Pay?

You can use any of the following personal Hong Kong dollar (HKD) HSBC credit cards with Samsung Pay:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard
• HSBC Classic Mastercard

What do I need to have before I can use Samsung Pay?

To use Samsaung Pay, you must have both of the following. Once you do, you can go ahead and add a card to Samsung Pay, and enjoy the fast, easy and private way to pay.

An eligible Samsung device

For a full list of devices that work with Samsung Pay, please visit the Samsung Pay website.

An eligible HSBC credit card

You can use any of the following cards:

• HSBC Privé
• HSBC Premier Mastercard Credit Card
• HSBC Visa Signature Card
• HSBC easy Credit Card / Visa Platinum Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Gold Card
• HSBC Visa Classic Card
• HSBC Pulse UnionPay Dual Currency Diamond Card
• HSBC UnionPay Dual Currency Credit Card
• HSBC Gold Mastercard
• HSBC Classic Mastercard

How do I add my credit card to Samsung Pay?

Please note that Samsung Pay does not support HSBC UnionPay credit cards at this time. You can only add HSBC Visa and Mastercard credit cards.

To do so, please open the Samsung Wallet app and follow these steps:

1. Select 'Add', then choose 'Payment cards'.
2. Follow the instructions on the screen and enter your card details.
3. Call our contact centre to complete the verification.

You can also add your card to Samsung Pay on your smartwatch. To do this, you'll need to be on an Android device with Android OS 4.4 or higher and with a RAM of over 1.5GB.

When you're ready, follow the steps on how to set up Samsung Wallet on your watch, on the Samsung website.

Once you're prompted to complete your verification so you can add your card to Samsung Pay on your smartwatch, please call our contact centre.

Why I cannot use Samsung Pay even my mobile phone comes with the app?

Samsung Pay is customized for every region for the best customer experience. If you purchase a Samsung Galaxy mobile device from other regions, you will not able to use Samsung Pay.

For device purchase from Hong Kong and Macau, you will need to install a Hong Kong SIM card to use Samsung Pay.

Can additional cardholders use Samsung Pay with their cards?

Yes, additional cardholders can use Samsung Pay with their cards. If your additional cardholder adds their card to Samsung Pay successfully, both they and you will receive confirmation by email.

The use of Samsung Pay will be governed by the new mobile credit card addendum to your credit card terms. You'll need to accept it to add your card to this service.

Can I use Samsung Pay if I also use other mobile wallets such as Apple Pay or Google Pay?

Yes, you can still add your card to a compatible device to use Samsung Pay.

If you use both Google Pay and Samsung Pay on the same device, you may need to set one as your default payment wallet. To do this, go to 'Settings' on your device, then select 'NFC', and 'Tap and Pay'.

Please note that different devices may have different 'Settings' menus.

Can I still use the card added to my Samsung Pay if I cancel the physical card?

No, both your virtual and physical card share the same card account. So if you cancel the physical card, it'll also be cancelled in your Samsung Pay.

Can I use Samsung Pay with a rooted device?

No. Samsung Pay can only work on device which is not rooted.

Is Samsung Pay free to use?

HSBC will not charge you additional for using Samsung Pay.

Where can I use Samsung Pay?

You can use Samsung Pay at almost any merchant that accepts credit cards. It uses Magnetic Secure Transaction (MST) technology, so you can still use Samsung Pay at merchants who don't have a contactless card payment terminal.

Can I use Samsung Pay abroad?

Yes, you can use Samsung Pay when you're abroad. With Samsung's Magnetic Secure Transaction (MST) technology, you can use it almost everywhere around the world. But we'd advise you to bring your physical card with you when you travel, just in case Samsung Pay isn't accepted.

Do I need to connect to internet when I am using Samsung Pay?

You do not need internet access to make purchases on Samsung Pay. However, internet access is required during setup or to refresh the information of your past transactions. It is suggested that the device should connect to the internet once per day to ensure that Samsung Pay stays up to date.

Is there any limit for each transaction?

There will be no limit for transactions conducted using Magnetic Secure Transmission (MST) technology. 

For transactions conducted using NFC technology, the limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. 

For transactions that cannot be accepted by Samsung Pay, please use your HSBC plastic card.

Where can I check my Samsung Pay transactions?

You can check all the transactions you made via Samsung Pay in HSBC Online Banking or the HSBC HK App. You can also check it on your credit card statement. These transactions will be marked with 'Samsung Pay' under its transaction details.

Besides that, you can see the last 10 Samsung Pay transactions made with your device under your card in the Samsung Pay app.

Do I earn RewardCash for Samsung Pay transactions?

Samsung Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy. Please refer to RewardCash related webpages for the latest information.

How do I set my HSBC credit card as the default card in Samsung Pay?

To set your HSBC credit card as the default card in Samsung Pay, please follow these steps:

1. Open the Samsung Wallet app.
2. Go to 'Menu', then swipe down the list of cards and select 'Edit quick access'.
3. Select the settings icon, then 'Quick access', and 'Access locations and default card'.
4. Choose 'Set default card' and the card you want to set as your default card from the list shown.

What should I do if I lose my Samsung device?

Please call us to report the loss right away. Here's the number to call us on:

• HSBC Global Private Banking customers: (852) 2233 3033

• HSBC Premier Elite customers: (852) 2233 3033

• HSBC Premier customers: (852) 2233 3322

• Other personal banking customers: (852) 2233 3000

You can also use Samsung's 'Find My Mobile' service to disable Samsung Pay or remove payment cards from it remotely. For details, please visit Samsung's 'Find My Mobile' page.

You can set up Samsung's 'Find My Mobile' service by following these steps:

1. Go to 'Settings' on your device.
2. Select your Samsung account from the menu at the top.
3. Go to 'Find my mobile'.
4. Turn on 'Allow this phone to be found'.

What should I do if I lose my card?

Please call us on 2233 3000 immediately to report loss. HSBC Global Private Banking,  Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Once your plastic card are reported loss, you will not be able to continue to use Samsung Pay with this card.

What happens when I change my device to a new model?

If you change your device to a new model, you will need to add your card(s) to Samsung Pay app again. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your card by selecting the card in the Samsung Pay app, then tap "delete card" in the menu at the top right hand corner.

What should I do if I want to trade in my phone or want to send my phone for servicing?

You are reminded to remove all your cards in that device by tapping "delete card" in the menu at the top right hand corner. You might also consider removing all your data (including Samsung Pay’s payment information) by factory reset or using Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable). For details please visit https://findmymobile.samsung.com

Do I need to provide any supporting documents when I apply for a Cash Instalment Plan?

We may need you to provide proof of income to complete your Cash Instalment Plan application.

If you applied via the HSBC HK App, you can submit it through the app. You'll be prompted to do so when you:

• Reach the application confirmation screen
• Select your credit card, go to 'More', and choose 'Cash Instalment Plan'
• Go to the homepage or 'Cards', where there will be banners reminding you

You can also submit your proof of income via the HSBC website. Simply go to the menu at the top of the screen, look under 'Borrowing' and select 'Submit documents for Cash Instalment Plan'.

Or you can submit your proof of income by post. Make sure you state your HKID or credit card number on your proof of income, and mark it as 'for Cash Instalment Plan application'.

How much money can I request under a Cash Instalment Plan?

You can request a minimum of HKD2,000. You can request a maximum amount that's equal to 100% of the unused credit limit on that HSBC credit card account.

If you have 2 or more credit cards that are eligible for a credit limit transfer, you can transfer the unused credit limit between your cards in the HSBC HK App. You can then apply for a Cash Instalment Plan with a greater amount.

Will interest be charged on my Cash Instalment Plan?

No interest will be charged on your Cash Instalment Plan if you make full repayment of the credit card's statement balance on or before the payment due date of each month; otherwise, interest which is calculated based on the prevailing interest rate applicable to the credit card account will be levied on all the outstanding balances.  Despite no interest being charged, there is personalised monthly handling fee for Cash Instalment Plan. You can call the application hotline or log on to HSBC HK App to enquire your monthly handling fee.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me?

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.
In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.
We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Cash Instalment Plan, you should notify us as soon as possible.

I want to make an early repayment on the total outstanding amount of my Cash Instalment Plan. How do I apply to do that?

Please call us on (852) 2233 3000 to discuss your options.

Kindly note that while you can choose to make an early repayment, you'll be charged both the total outstanding principal amount and an early repayment fee. This fee is 2% of your total outstanding principal amount. So we'd advise you to consider your options carefully before you make your decision. If you're an HSBC Privé customer, we'll waive the early repayment fee.

How much money can I request under a Cash Credit Plan?

You can request a minimum of HKD2,000. You can request a maximum amount that's equal to 100% of the unused credit limit on that HSBC credit card account.

Will I be charged interest?

Finance charge calculated at a preferential interest rate (per annum) (“Preferential Interest Rate”) will be charged on the outstanding Approved Withdrawal Amount on a daily basis, starting from the credit card monthly statement date immediately following the date of transfer of the Approved Withdrawal Amount to your designated account (which will be specified in the approval letter) until the credit card monthly statement date after the “Preferential Interest Rate End Date” (which will be specified in the approval letter). Thereafter, the finance charge will be calculated according to the same finance charge interest rate applicable to credit card as stipulated in the Tariff Guide. The finance charge will be calculated and accrued on a daily basis.

The Preferential Interest Rate only applies to the Approved Withdrawal Amount under the Cash Credit Plan. All other outstanding credit card balance including card purchases and cash advances will be subject to the interest rates and finance charges as set out in the Tariff Guide.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me?

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.

In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.

We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Cash Credit Plan, you should notify us as soon as possible.

Do I need to provide sales slips of the transactions or other supporting documents to apply for a Spending Instalment Plan?

No - there is no supporting documentation are required for your application.

What's the minimum amount I can apply for?

Each application must be at least HKD1,000

Will interest be charged on my Spending Instalment Plan?

No interest will be charged on your Spending Instalment Plan if you make full repayment of the credit card's statement balance on or before the payment due date of each month; otherwise, interest which is calculated based on the prevailing interest rate applicable to the credit card account will be levied on all the outstanding balances.  Despite no interest being charged, there is personalised monthly handling fee for Spending Instalment Plan. You can call the application hotline or log on to HSBC HK App to enquire your monthly handling fee.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me? 

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.
In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.
We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Spending Instalment Plan, you should notify us as soon as possible.

What kind of purchase transactions are eligible and when do I need to apply?

Only posted purchase transactions effected with a Card qualify for the Spending Instalment Plan. Other transactions do not qualify and these transactions include the following:

(i) any unposted, cancelled or refunded transaction; 

(ii) cash advance; 

(iii) instalment plan; 

(iv) Octopus AAVS (Octopus Automatic Add-Value Service); 

(v) withdrawal amount under a cash instalment plan and/or a cash credit plan; 

(vi) gambling transaction; 

(vii) purchase and/or reload of stored value cards or e-Wallets; 

(viii) transaction at non-financial institutions (including purchase of foreign currency, money orders and travellers cheques); 

(ix) transaction at financial institutions (including purchase of merchandise and services from banks); 

(x) wire transfers and; 

(xi) all fees and charges.

You should apply at least 3 working days before the payment due date of the relevant eligible transaction.

I want to make an early repayment on the total outstanding amount of my Spending Instalment Plan. How do I apply to do that?

Please call us on (852) 2233 3000 to discuss your options.

Kindly note that while you can choose to make an early repayment, you'll be charged the total outstanding monthly handling fees for the remainder of your instalment period, and any interest that applies. You'll also be charged a HKD300 administration fee. So we'd advise you to consider your options carefully before you make your decision. If you're an HSBC Privé customer, we'll waive the early repayment fee.

Can I have a separate limit for my additional cardholders?

No, the credit limit will be shared between the primary and any additional cardholders, if any.

Can I state my preferred credit limit when I apply for a credit limit increase?

Yes, you may state your preferred credit limit in your application. This will be subject to Bank's review and approval. Alternatively, you may accept the pre-approved credit limit to be assigned by the Bank (if applicable).

How long do I need to wait for my credit limit to be reviewed?

Your application is likely to be instantly approved during system hours, from 9am to 8pm (Monday to Friday), and 9am to 5pm on Saturday. 

Sometimes, it may take around 4 working days to process your application after you've submitted the required documents. In the event of high volume, it may take longer  to complete the review.

Why was my credit limit increase application unsuccessful?

Your application may have been declined. You may consider transferring your credit limit from another HSBC credit card, if necessary.

How do I request a temporary credit limit increase?

For a temporary credit limit increase, please log on to online banking or request it by calling our customer service hotline:

HSBC Global Private Banking customers: (852) 2233 3033

HSBC Premier Elite customers: (852) 2233 3033

HSBC Premier customers: (852) 2233 3322

Other customers: (852) 2233 3000

Can I cancel my application after it has been submitted?

You can't cancel your application once you’ve submitted it. We'll notify you of the outcome via email and push notification or SMS. You can also ask us to review and change your credit limit at any time via online banking or customer service hotline.

Can I submit applications for both a credit limit transfer and a credit limit increase via the HSBC HK App at the same time?

You can submit both credit limit transfer and credit limit increase applications through the HSBC HK App. We suggest that you apply for the credit limit transfer first if you have unused limit under other cards, with instant approval. If you still need additional limit after this, you may also apply for credit limit increase.

 I applied for credit limit increase via the HSBC HK App and was asked to wait at least 4 days for the bank’s further review. But I need to increase my credit limit urgently. Can I apply for a credit limit transfer through the app now?

Once the credit limit increase application is submitted and in review, you can't apply for a credit limit transfer through the app. Please call our customer service hotline for immediate assistance:

HSBC Global Private Banking customers: (852) 2233 3033

HSBC Premier Elite customers: (852) 2233 3033

HSBC Premier customers: (852) 2233 3322

Other personal banking customers: (852) 2233 3000

What is HSBC Online Document Submission Service?

This allows you to upload supporting documents online. Transfers are confidential and automatically protected using SSL data encryption.

Why has HSBC introduced this service?

The service helps make applications easier by allowing you to submit your supporting documents 24 hours a day, 7 days a week through the website or Personal Internet Banking.

What are the system requirements for the Online Document Submission Service?

• A computer with Internet connection
• This site is best viewed with Microsoft Internet Explorer 6.0 SP2 or above
• Optimised for Screen Resolution of 1024 x 768

How can I be sure I am connected to HSBC?

HSBC employs the latest internet security measure with the adoption of the EV SSL Certificate (Extended Validation SSL Certificate) which will instantly let you know that you're on a genuine HSBC website.

You will see a change to the URL address bar area at the top of your browser when you visit the secure sessions in the HSBC website (indicated by "https://" at the beginning of the URL). The name of the certificate owner (The Hongkong and Shanghai Banking Corporation Limited) will be displayed either on the URL address bar or near the top of the browser. This indicates the successful verification of the site's identity.

The changes will look slightly different depending on the browser you use:

• Internet Explorer: The URL address bar will turn green with the company and certificate issuer names displayed.
• Firefox: The name of the company will be highlighted in green inside the URL address bar.
• Safari: The name of the company will be shown in green near the top right corner of browser.
• Google Chrome: The URL address bar will turn yellow and display the name of the company.

What type of image formats can I submit?

PDF, JPEG, GIF or TIFF files are accepted. The file size must not exceed 2 MB (a maximum of 10MB for 5 files). The image resolution of supporting document(s) should be 200dpi or above.
The file name should not:

1. contain any spaces
2. contain non-English characters
3. contain special characters (except _.@-+!#[]()~)
4. exceed 50 characters (including file extension).

Where can I upload documents for a personal credit card application?

Upload supporting documents for a credit card application

Where can I upload documents for a loan application?

Upload supporting documents for a loan application

Can I submit the documentation later by using HSBC Online Document Submission Service after my Credit Card or Loan application submission?

Yes, you can upload supporting documents after your application for a loan or credit card has been submitted.

Can I still use the HSBC Online Document Submission Service if I'm overseas?

Yes, you can still use this service if you're overseas.

How many files can I upload each time via the HSBC Online Document Submission Service?

You can upload up to 5 files at a time via the service. Each file must not exceed 2MB in file size.

I applied for a personal credit card /personal loan through HSBC Branch / Call centre, can I also submit the document via online?

Yes, you can use this service to submit the supporting document(s) even if you have applied for a credit card or personal loan through an HSBC branch or call centre.

How can I find the application reference number?

An application reference number will be displayed after you have submitted your application online. You can leave the field blank if you cannot find the application reference number.

I had entered the wrong application reference number. Will that affect my application process?

No, it won't affect the application process.

But if you entered the wrong HKID or passport number, you’ll need to submit your supporting documents again with the correct HKID or passport number.

To help us retrieve your application, please check the reference number before you submit your documents.

I forgot my application reference number, can I still upload the document?

You can still upload the document if you forgot the application number.

Can I cancel the document upload while it is in progress?

No, you cannot cancel the document upload while it is in progress.

How can I know if the document is successfully uploaded?

You will receive a confirmation page listed the uploaded file name(s) of the document upon successfully upload.

If the internet connection is unintentionally terminated while upload is in progress, what should I do? Do I have to upload all the documents again?

Yes, please upload all the documents again as HSBC will not receive the documents if there is any problem with the internet connection during the upload process.

If my Personal Internet Banking session has timed out and logged off automatically while upload is in progress, what should I do?

While upload is in progress, your Personal Internet Banking session will not affect the upload process.

Fraudsters may pretend to be us and send you messages. These messages may ask you provide sensitive personal details or ask you to follow a link.

We may send you alerts to keep you up to date on your account activities, or to check that it really was you who made a transaction. But we'll never ask you to provide sensitive personal details such as your ID number, credit card details (such as its number, expiry date, and CVV), online banking credentials or one-time passwords (OTPs).

If you receive a message that asks you to share such details, please stay alert. And make sure that you:

• Don't disclose any sensitive personal details
• Don't reply to it or follow any of its links
• Do contact us to check if the message is really from us, or report the message