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.
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.
Get extra stand-by cash and borrow up to HKD800,000 or 6 times your monthly basic salary, whichever is lower.
Exclusive to HSBC Advance customers, get extra money when you need it, giving you more spending power and increased flexibility.
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.
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.
If you need to borrow, a personal loan could help make your plans a reality.
Use as much of your available credit as you need and only pay interest on what you use. Flexibility and no fixed monthly payments.
Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.
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.
To borrow or not to borrow? Borrow only if you can repay!
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.