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Personal Integrated Account1 Clean Credit

Get extra money2 whenever you need it most and enjoy greater spending and investment power.

Make the most of a credit facility that gives you extra cash on-demand – whenever you need it most – to enjoy the financial freedom of increased spending and investing power.

  • Repay as little as 5% on the outstanding debit balance, or HKD100, whichever is higher
  • Benefit from HSBC's Best Lending Rate + 6% p.a.
  • No interest to pay on unused credit

Borrow up to

HKD800,000

or 4 times your monthly salary, whichever is lower

  • You must be a resident of Hong Kong
  • At least 18 years old
  • Have a monthly income of at least HKD5,000

Related products

 

Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.

 

Get extra spending power, together with increased flexibility in managing your money. Just for HSBC Advance account holders.

 

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it.

 

Get higher credit limits when you secure a credit line against your assets.

1. "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, Personal Internet Banking platform etc. 

2. Prevailing overdraft interest rate and monthly service fee apply. For details, please refer to Overdraft Fees & Charges

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