HSBC Visa Signature Credit Card
Earn up to 8x reward points on overseas and online spend, plus 6x Plaza Premium Lounge access at KLIA, Hong Kong, and Singapore Changi.
Get a Touch 'n Go E-Wallet Credit worth RM 1,000when you apply with CompareHero*
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Eligibility
Minimum Monthly Income
RM 8,500 (RM 102,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest BE Form with official tax receipt
- Latest 3 months salary slip
- Latest 3 months bank statement
- Latest EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year, and waived in the subsequent years when you meet annual spending of RM24,000 (effective 1st September 2025)
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn 8x reward points on overseas and online spend in foreign currency, and 5x points on local in-store and online shopping in Ringgit Malaysia. Stack up enough points and redeem them for a range of items through the HSBC Rewards Programme.
Get 6x complimentary Plaza Premium Lounge visits per year at KLIA, Hong Kong International Airport, and Singapore Changi Airport. Accompanying guests aged 12 and above enjoy 25% off, while those aged 3 to 12 get 30% off. Terms apply.
Want that big-ticket item without the financial hit? Convert your purchase into zero-interest instalments for up to 36 months at participating merchants.
Managing existing credit card debt? Transfer your balance to HSBC at a low one-time upfront fee of 3.88% and pay it off over 12 months.
This card supports Apple Pay, Samsung Pay, and Google Pay. Enjoy VIP treatment and exclusive discounts at selected shopping outlets nationwide, with new offers refreshed every month.
Product review by CompareHero
Do you happen to be a frequent shopper locally or when you travel overseas? The HSBC Visa Signature Card will benefit you greatly with their endless rewards for every purchase!
Earn HSBC reward points with every purchase
When you perform transactions with your HSBC Visa Signature Card, for every RM1 spent, you are entitled to receive 1x HSBC Reward Point. In addition to that, you are also able to receive up to 7x additional HSBC Reward Points based on the eligible categories when you swipe your card overseas. Furthermore, when you swipe your card locally at participating retail outlets or online, you will earn up to 4x additional HSBC Reward Points according to the eligible categories.
| Category | HSBC Reward Points |
| Overseas and online spending in foreign currency | 8x reward points |
| Local shopping (in-store) and online spending in local currency | 5x reward points |
Participating malls:
- Klang Valley: Pavilion Kuala Lumpur, Bangsar Shopping Centre, Lot 10, Atria Shopping Gallery, Publika Shopping Gallery, Sungei Wang Plaza, Hartamas Shopping Centre, Suria KLCC, Sogo, IOI City Mall, Starhill Gallery, The Gardens Mall, 1 Utama, The Curve, Bangsar Village, IPC Shopping Centre, Paradigm Mall, Tropicana City Mall, Empire Shopping Gallery, Setia City Mall, Sunway Putra Mall, Sunway Pyramid, Nu Sentral, Midvalley Megamall
- Penang: Gurney Plaza, Gurney Paragon Mall, Queensbay Mall, Sunway Carnival
- Johor: KSL, Sutera Mall, AEON Tebrau City, Johor Bahru City Square, Johor Premium Outlets (JPO)
- East Malaysia: One Borneo
Note: When it comes to petrol, charitable organisations or government services, you will not be entitled to earn any HSBC reward points with your Visa Signature HSBC Credit Card.
HSBC credit card rewards and premium privileges
HSBC Visa Signature Credit Card owners can enjoy the HSBC credit card benefits as well. Some of the popular offers include an RM100 cash voucher for Lazada, Grab, PrestoMall, Agoda and Zalora when you claim these vouchers with 35,000 HSBC Reward Points each. The awesome gadgets you could redeem with your HSBC Reward Points include a wireless mouse, luggage scale, and many more.
Apart from that, HSBC Visa Signature cardholders are entitled to the HSBC Balance Transfer Program, where cardholders can transfer their outstanding balances to their HSBC Visa Signature card as well as the HSBC’s Home & Away Privilege Program where cardholders can enjoy exclusive offers and deals at more than 19,000 retail outlets worldwide in over 160 countries.
When you are travelling overseas, you will receive up to 6x complimentary access passes to premium lounges from participating countries which are Hong Kong, Singapore, and of course KLIA.
A highly secured credit card
Enjoy a worry-free credit card like the HSBC Visa Signature that comes with a free 24-hour reporting line whenever you are facing issues related to the loss of a card. On top of that, the HSBC Visa Signature Credit Card also comes with one of the most well-equipped levels of process and technology, ensuring complete privacy and protection to prevent any kind of fraud or scam that could result in theft or loss.
With that in mind, the HSBC Visa Signature Credit Card was designed to ensure cardholders can make the most out of the card without having to stress while they are performing their transactions intentionally or locally.
Frequently Asked Questions (FAQ)
What are the main benefits of HSBC Visa Signature Card?
• Earn 5X reward points for every RM1 spent on online transactions and in-store shopping in Malaysia Ringgit
• Complimentary 6X annual access to participating Plaza Premium Lounges in Hong Kong, Singapore and KLIA
• Enjoy access to several HSBC offers and privileges when you dine, shop and so on overseas!