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Our range of overdraft, secured credit and clean credit options give you access to credit as and when you need it, helping you to keep your finances flexible. You can get overdraft protection too, to help you if your circumstances change.

HSBC Premier, HSBC Advance and Personal Integrated Account2 Secured Credit

If you're an HSBC Premier, HSBC Advance or Personal Integrated Account2 customer, you can get higher credit limits by securing a credit line against your assets.

Borrow up to HKD 5,000,000 as secured credit

HSBC Premier Clean Credit

Get extra stand-by cash and borrow up to HKD800,000 or 6 times your monthly basic salary, whichever is lower.

Borrow up to HKD800,000 or 6 times your monthly basic salary, whichever is lower

HSBC Advance Clean Credit

Exclusive to HSBC Advance customers, get extra money when you need it, giving you more spending power and increased flexibility.

Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower

Personal Integrated Account Clean Credit

An on-demand credit facility that gives Personal Integrated Account2 customers extra cash up to the value of HKD800,000 or 4 times your monthly basic salary, whichever is lower.

Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower

Personal Overdraft

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it. Cash withdrawals are easy thanks to a revolving credit line.

Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower

OVERDRAFT PROTECTION

Get standby overdraft protection3 with a credit limit up to HKD20,000 for HSBC Premier customers and HKD5,000 for HSBC Advance and Personal Integrated Account2customers.


3 Applicable to customers who have maintained at least three months' satisfactory credit record and a total of credit relationship of HKD40,000 for HSBC Premier customers and HKD10,000 for HSBC Advance and Personal Integrated Account2 customers in the previous calendar month. Pricing for overdraft protection for HSBC Premier is HSBC's Best Lending Rate + 4% p.a. and HSBC's Best Lending Rate + 5% p.a. for HSBC Advance and Personal Integrated Account2 customers.


Personal Instalment Loan

If you need to borrow, a personal loan could help make your plans a reality.

Revolving Credit Facility

Use as much of your available credit as you need and only pay interest on what you use. Flexibility and no fixed monthly payments.

Consolidate your debts

Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.

Cash Instalment Plan

Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.

Contact us

By phone

HSBC Premier customers
call (852)2233 3322 (852) 2233 3322

HSBC Advance customers
call (852) 2748 8333 (852) 2748 8333

Other customers
call (852) 2233 3000 (852) 2233 3000

At an HSBC branch

Find your nearest branch

Tweet us

@HSBC_HK

To borrow or not to borrow?
Borrow only if you can repay!

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1. The Unauthorised Overdraft interest rate is Best Lending Rate + 8%. For Super Ease Account and Current Account, such interest rate is 24% p.a. The Unauthorised Overdraft handling charge is HKD120. For HSBC Premier, the Unauthorised Overdraft handling charge is HKD100.
2. "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, internet banking platform etc.

Please note that we do not appoint any third parties to refer overdrafts 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.