HSBC
HSBC Visa Signature

HSBC Visa Signature

RM 6,000

Minimum monthly income

RM 600

Annual fee

15%

Interest rate p.a

6.96%

Balance transfer

Special Offers

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Product details

Benefits

Free 24 Hour loss reporting line

Auto Balance Conversion

Automatically converts outstanding statement balances into a 36 months instalment plan

Lower management fee at 13% p.a.

No processing fee

No early termination

Cash Advance

Flexibility for emergencies use or when credit card-i payment is not acceptable

No documents required

24 hours Instant cash withdrawal from any ATMs worldwide

Balance Transfer

Consolidate credit card outstanding balances

Enjoy 3% upfront management fee with 0% fee for the next 5 months

Flexibility of making a minimum monthly payment on total outstanding balance

Cash Instalment Plan

Convert available credit limit into cash

Low management fees at 8.88% flat p.a.

Monthly payment up to 60 months

Hassle free with easy application process

Example of immediate needs: education, healthcare, vacation, wedding, renovation & furnishing

SecurePay

Secure transaction when making online purchases

Securepay One Time Password will be sent via sms for each online purchase.

Pin and Pay

For improved financial security and prevent credit card fraud

6-digit Personal Identification Number (PIN) will be use for all credit card payments at point of sale terminals in Malaysia.

New credit cards have the contactless Paywave feature, allows fast, easy and convenient way to pay

Safe purchase with just a tap for everyday purchases

Email statements

Timely delivery of statement in a secure and private manner

No lost or misplaced statements

No more physical filing

HSBC Go Green Initiative - advocating paperless environment, reducing global carbon footprint

Balance Conversion

Automatically converts outstanding statement balances into a 36 months instalment plan

Lower management fee at 13% p.a.

Instant Approval

No processing fee

No early termination

Features
Good for Rewards/Offers & Travel
8X Rewards Points for Overseas & Online (Foreign Currency) spend
5X Rewards Points for Local Malls, Online (RM) spend & 1X for Other spend
30% OFF Redemption on Online Vouchers (Lazada, Uber, Agoda, AirAsia)
6X access to Plaza Premium Lounge KLIA, Singapore Changi Airport & Hong Kong International Airport
Eligibility
Minimum monthly incomeRM 6,000
Minimum age:
Cardholder21
Supplementary Cardholder18
Fees & Charges
Annual fee RM 600
Annual fee waiver Yes
Late payment fee RM 10/1%
A minimum of RM10 or 1% of the outstanding balance, whichever is higher up to a maximum of RM100.
Interest rate 15%
Cardmembers who promptly settle their min payment due for 12 consecutive months.
Balance transfer rate 6.96%
12 months Balance Transfer period
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees (Malaysian):

Multinational / Public listed Companies/Government/Semi Government office

  • Photocopy of MyKad (both sides)
  • Recent utility bill if the address on MyKad is different from your residential address
  • Latest month salary slip or letter of confirmation from employer if employed less than 3 months OR
  • Latest income tax return (Form BE with tax receipt) or Form EA or EPF statement

Other Companies 

  • Photocopy of MyKad (both sides)
  • Recent utility bill if the address on MyKad is different from your residential address
  • Latest month salary slip OR bank statement showing latest 3 months salary credit AND
  • Latest income tax return (Form BE with tax receipt) or Form EA or EPF statement

Self Employed (Malaysian):

  • Photocopy of MyKad (both sides)
  • Recent utility bill if the address on MyKad is different from your residential address
  • Photocopy of Business Registration Form (established minimum 2 years)
  • Latest income tax return (Form B with payment receipts or CPO2 attached or EPF statement ) OR
  • Latest 6 months bank statements

Expatriate:

  • Copy of passport showing personal details and work permit (must be valid for at least one year)
  • Latest month salary slip
  • Letter of confirmation from employer stating position, remuneration and duration of employment
  • Minimum RM10K per month AND working for Multinational/Public listed companies/government/semi-government/HSBC corporate lending employers only

Product review by CompareHero.my

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

Travel (online and retail transactions)

Earn 8x Reward Points (International spend)

Dining (online and retail transactions)

Earn 8x Reward Points (International spend)

Earn 5x Reward Points (Local spend at *selected shopping malls)

Shopping (online and retail transactions)

Earn 8x Reward Points (International spend)

Earn 5x Reward Points (Local spend at *selected shopping malls)

Groceries

Earn 8x Reward Points (International spend)

Earn 5x Reward Points (Local spend at *selected shopping malls)

Utilities

Earn 1x Reward Point

*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 are able to enjoy the HSBC credit card benefits as well. Some of the popular offers include a 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 are able to transfer their outstanding balances to their HSBC Visa Signature card as well as the HSBC’s Home & Away Privilege Program where cardholders are able to 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 hours 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, preventing 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 are able to make the most out of the card without having to stress while they are performing their transactions intentionally or locally.


Can't find what you're looking for? Read our article to find out the Best HSBC Credit Cards in Malaysia.

FAQs

Simply apply directly on our website and we will help process it for you in just two steps. Alternatively, you can also drop a call at +6012-385 0211 and our customer service will get in touch with you as soon as possible.

We understand applying for credit cards can be a tedious process, thus, we make it easier for you to apply!

To be eligible for the HSBC Visa Signature primary card, you have to be at least 21 years old and above. As for the supplementary card, you have to be at least 18 years old and above. Aside from that, you also have to be earning an income of at least RM6,000 monthly or RM72,000 annually.

The annual fee for primary cardholders would be RM600 while the annual fee for supplementary cardholders is RM300.

In addition to the annual fees, the HSBC Visa Signature cardholders will also be charged with RM25 for sales and service tax purposes. There is also a late payment fee of 1% or it can also be RM10 from the overdue amount. As for interest rates, you will be charged with 15% annually provided you make the minimum monthly repayment which is 5% or it can be RM50 from the overdue amount, depending on which amount is higher.

  • HSBC Reward Points up to 8X for international spend and up to 5X for local spend
  • Complimentary access passes to Premium Lounges in Hong Kong, Singapore and Klia
  • Access to several HSBC offers and privileges when you dine, shop and so on overseas

For frequent travellers and shoppers. When you regularly shop overseas, this card will benefit you greatly. Other than that, if you regularly shop at shopping malls and dine at the restaurants, you will be able to make use of the rewards earned with this credit card. 

HSBC Visa Signature
HSBC Visa Signature
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