• HSBC Gold MasterCard Credit Cards

    HSBC Gold Mastercard
    Credit Card
    Annual Fee
    Reward type
    HSBC Gold Mastercard
    Annual Fee:
    P1,200
    Free for 1st year
    Reward type:
    Shopping, Utilities and Dining

    The Hongkong and Shanghai Banking Corporation, also known as HSBC is one of the most popular and oldest banking institutions in the world. With global presence that speaks for itself, this U.K based bank is the crown jewel of banking legacy in the Philippines.

    In its credit cards portfolio, HSBC offers a wide range of options to suit the growing needs of the new age customer in this hyperconnected world. Based on both Visa and MasterCard platforms, HSBC cards come with consumer friendly features and attractive rewards along with the most competitive rates and charges in the financial services industry.

    Some of the features of the HSBC Credit Cards are:

    1. EMI Facilities - EMI options are available across segments such as Shopping, Travel & Wellness and much more. Purchase your favorite products at participating merchants and payback in up to 36 installments on eligible cards.
    2. Balance Transfer Facility - The Balance Transfer option lets you transfer balance from non - HSBC credit cards at nominal rates and charges.
    3. Pleasing Rewards - HSBC is known to shower reward points based on different purchase categories. For every peso spent, you can earn reward points and even up to 4x points for spends in specific categories. Cards from HSBC assure rewards every time you use it for a transaction.
    4. Auto Charge Facility - The Auto Charge facility from the bank helps you to consolidate all your utility bill payments. Set up auto charge facility and relax. The bills are auto debited from your credit card as per the due/assigned date.
    5. Redemption of Rewards - An exclusive rewards redemption program that lets you exchange reward points for vouchers, discounts and goodies from the rewards catalogue.
    6. Cash Withdrawal - Use your HSBC card to withdraw cash from ATMs in the country. Cards come with dual benefit of making a purchase as well as for cash advances up to the assigned limit. This feature is particularly helpful when you’re in an emergency situation and need cash.

    HSBC Gold MasterCard

    With the HSBC Gold MasterCard, redeeming exclusive goodies and rewards is much faster. You can now get 3x bonus times when you use the HSBC Gold MasterCard every time you shop or dine at certain stores in the country. The program enabling this facility is called the HSBC Credit Card Rewards Programme. This special card also comes with deals you just cannot forgo. The Red Hot Deals by this card let’s you avail great discounts, surprise offers and special privileges in the Philippines and abroad all through the year.

    Highlights

    1. The annual membership fee is waived of for the first year. However, from the second year onwards the charge on the primary card is Php 1200. The annual charge on the supplementary card is Php 600.
    2. This card gives you the benefit of withdrawing money from ATMs in country as well as anywhere in the world.
    3. Customers can repay the amount in installments up to 3 years or 36 months for products purchased at HSBC partner establishments.
    4. The late payment fee on this card is 7.5 percent of of the outstanding amount or Php 600, whichever of the two is higher.

    Features & Benefits of HSBC Gold MasterCard

    Some of the numerous benefits that you receive with this card are:

    1. Red Hot Deals on the Home and Away Program - Enjoy the best of rewards and discounts that HSBC has to offer with a vast array of privileges and discounts managed by the Home and Away Program. Get the best bargains you can possibly think of in more than 160 countries and over 27000 outlets all over the world.
    2. Cash Advance Facility - You can use this credit card to withdraw money from any ATM in the Philippines or abroad in case an emergency arises.
    3. Rebates at Caltex - When you use your HSBC Gold MasterCard, you are assured a rebate of 3% on each bill at a Caltex station. Fueling up could fuel up your wallet as well.
    4. Zero Percent Installment Plan - You can now pay in easy and flexible installments of up to 36 months at 0% interest for purchases made at partner establishments.
    5. e-Statement - A HSBC Credit card statement of account reaches you via email the instant a transaction has taken place.
    6. Card Balance Transfer Facility - Now manage your finances more effectively by transferring your other non-HSBC credit card balances to your Gold MasterCard account. This ensures you larger savings and better repayment terms.
    7. Auto Charge Facility - The Auto Charge facility from the bank helps you to consolidate all your utility bill payments. Set up auto charge facility and relax. The bills are auto debited from your credit card as per the due/assigned date.

    Eligibility - HSBC Gold MasterCard

    1. You are eligible to apply for this card if your annual income in Php 200,000.
    2. The applicant must have another credit card which is locally issued and in good standing for at least a year.

    Fees and Charges - HSBC Gold MasterCard

    Annual Fee - Primary Card (Waived off for the first year) Php 1200
    Annual Fee - Supplementary Card (Waived off for the first year) Php 600
    Retail Monthly Effective Interest Rate 3.5 percent per month
    Cash Advance Monthly Effective Interest Rate 3.75 percent per month
    Cash advance fees Php 500 or 3% of the amount withdrawn, whichever one is higher
    Late payment fees Php 600 or 7.5% of the outstanding amount due, whichever one is higher.
    Returned check fees Php 1000
    Card Replacement fees Php 400 for every stolen, lost or damaged card.
    HSBC Installment Plan Pre-termination processing fees Php 500
    Overlimit fees Php 500
    Sales slip retrieval fees Php 275
    Service Fee for Foreign Currency Transactions 2.5 percent of the converted sum
    Credit Cards
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