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Personal Integrated Account Clean Credit

Get extra money1 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


or 4 times your monthly salary, whichever is lower

Call for enquiry

Personal Integrated Account Customers 
(852) 2233 3000

  • You must be a permanent 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 One 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. Prevailing overdraft interest rate and monthly service fee apply. For details, please refer to Overdraft Fees & Charges

2. 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.