Credit Cards

• All applicants must be at least 21 years of age. 
• For Singaporeans or Permanent Residents (PR), a minimum annual income of SGD30,000 is required.
• For self-employed and commission-based Singaporeans or PR, a minimum annual income of SGD40,000 is required. 
• For foreigners residing in Singapore, a minimum annual income of SGD40,000 is required. 
• A minimum annual income of SGD120,000 is required for all applicants of HSBC Visa Infinite credit card. 
• Supplementary card applicants must be at least 18 years of age.

For salaried employees for Singaporeans/PRs:

• A photocopy of the front and back of your National Registration Identity Card (NRIC); and
• Income document(s):

A copy of your eCPF statement contribution submitted via www.hsbc.com.sg/submitmyinfoincome (note that this will open in a new window and Singpass login is required); OR

Lastest 3 months' computerised payslip; OR

Latest Notice of Assessment with latest 1 month's computerised payslip

For self-employed and commission-based earners for Singaporeans/PRs:

• A photocopy of the front and back of your NRIC; and
• Last 2 years' Notice of Assessment

For foreigners:

• A photocopy of the front and back of your passport; and
  
• A photocopy of the front and back of your employment pass with at least six month's validity* at the time of application; and
• Latest 3 months' computerised payslips OR latest Notice of Assessment with latest 1 month's computerised payslip

*With at least 6 months validity. To find out your employment pass expiry date, download the SGWorkPass app and scan the QR code on the back of your employment pass.

You can apply up to 5 supplementary cards and they are free for life.

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• We’ve partnered with Nova Credit to securely access your credit history from selected countries or regions. Your credit history helps establish your credit worthiness to support your credit card application.
• This is a free service, seamlessly integrated within the credit card application. Find out more and which countries are supported.

International credit history is your credit information from foreign country/region. HSBC partners with Nova Credit, a U.S.-based company that provides credit providers with instant access to international credit history in a uniform format. When you choose to use your international credit history in support of your HSBC Singapore credit card application, we'll work with Nova Credit and/or its subsidiaries to access a translated version of your credit history. This is a consumer-permissioned process that allows you to search for, find and pull your international credit report instantly as part of your HSBC application.

Nova Credit is an official partner of HSBC. Nova Credit and their subsidiaries can securely access your credit history from the foreign country/region selected and share it with us to support your application.  Nova Credit is based in the US and provides instant access to high quality global credit and risk data in an easy, uniform format.

Currently, you can search and request to share your credit history from Australia, Philippines, India and the United Kingdom to HSBC Singapore.

We are continuously working with Nova Credit and their subsidiaries to add more countries/regions.

Yes. It's free to use this service to support your HSBC Singapore credit card application.

It depends on the country where you are retrieving your international credit history from. In Australia, India, Philippines and the United Kingdom, the bureaus in these countries/regions will view your credit check as "soft", which means it will not impact your credit score.

Nova Credit and its subsidiaries are regularly and independently audited against international standards on security, confidentiality and privacy controls.

No. All you need to do is provide your consent during the online application, and we can access your international credit history. We'll use this information solely to support your current credit card application.

Yes, you'll still need to provide supporting documents to supplement your credit card application.

You are eligible to use your international credit history if you hold a valid Foreign Identification Number (FIN) in Singapore and you have credit history in Australia, Philippines, India or the United Kingdom. We are continuously working with Nova Credit and their subsidiaries to add more countries/regions to this list.

Providing your international credit history is optional, and you may submit your credit card application without providing it. However if you choose not to, it may impact the outcome of your application. 

While the exact information required differs by bureau, you will often need to provide these :

(a)   Personal information, such as your first name, last name, date of birth, ID number(s), previous addresses and email address which were used to apply for credit in the country/region selected.

(b)  Additional information required by the bureaus:

Australia

All details from any two of the following ID document:

• Driver's license
• Australian passport
• Immigration card
• Foreign passport

India

The phone number you had when you applied for credit in India and;

Any one from the list below:

• PAN number
• Passport number
• Voter ID

To protect your information held at the bureau, you may also be asked to prove your identity by answering a few verification questions based on your credit report, use your phone number in the selected country/region to provide a one-time password, or take a photo of your passport and a selfie to verify your identity. No other information is required by the United Kingdom. 

We'll need this address to find your credit history and verify your identity. If you aren't sure what that address is, we suggest looking at your old bills, looking on Google Maps, or calling a family member to help.

You may save and exit your credit card application and continue it later. To resume your application, simply use the unique link sent to you via SMS or email. You'll receive a One-Time Password (OTP) by SMS to access your application.

Yes – provided you are able to provide the information required by the bureau to find a matching credit record and you successfully pass the authentication steps put in place by the relevant bureau to protect your information (e.g. by answering security questions, providing a one-time password sent to your mobile phone, or by uploading a photo of your passport and a selfie), then the data will be sent to HSBC Singapore in the background. You'll also receive a copy of the information shared from the bureau to the email address you provided in your credit card application with HSBC.

We use your international phone number to find your international credit history in the selected country/region and where this information is held at the bureau. Don't worry if that number is no longer in use. You'll still be able to continue by accessing the secure code on your email, by answering a few security questions, or by uploading a photo of your passport and a selfie.

There are a number of reasons why we might not be able to access your international credit report. For example:

• You do not have a credit report in the country/region selected
• You have some credit history in the country/region selected, but there is not enough data to produce a full credit report
• You did not correctly enter your personal information (e.g., name, date of birth, foreign address, foreign ID number), so we couldn't match it to your credit report
• You did not correctly answer the verification questions presented to you. These questions are based on information contained in your report. If you do not answer them correctly, the bureau cannot identify your identify and we won't be able to access your international credit report

In some rare cases, there could be a technical error or a bureau outage at the time of your application, which would impact your ability to search for your international credit report. You may choose to continue your application without your international credit report, or resume your application at a later time to include the report. If you choose not to share your international credit history, it may impact the outcome of your application.

After you have completed and submitted your application, we will need 5-7 working days to process it. We'll get in touch with you if we require more information.

We can only access your international credit report at the time you give consent. If your international credit report has changed since you completed your HSBC credit card application, we won't be able to access the updated version. You would need to submit a new application and pull your up-to-date international credit report if you want it included.

This is your overseas credit report translated by Nova Credit into a standard format that we can use to process your application.

You'll receive a copy of your Credit Passport® from alerts@novacredit.com to your email address that you've used in your credit card application. The email will have instructions on how to download your Credit Passport® for your own records. Please ensure you download the report within 72 hours of receiving the email. If you miss the 72-hour window, you can use the link provided in your email to ask for an updated link.

Be sure to check your inbox, and the spam folder. You should look for a message from alerts@novacredit.com. Alternatively, you may contact Nova Credit at novacredit.com/contact.

If you have questions about any details listed within your Credit Passport®, you can reach out to Nova Credit at novacredit.com/contact. If you notice any inaccurate credit details in your report, we recommend you to contact Nova Credit to dispute and investigate these details quickly, since inaccurate information may negatively affect your credit information and/or indicate fraudulent activity.

Credit bureaus frequently update their information, which means that your credit score and other attributes of your credit history may differ from one day to the next.

Nova Credit's international bureau partners also may have a variety of types of credit reports they provide. The exact product that Nova Credit offers may be slightly different than the report that the bureau shares with you directly via their own consumer offering.

Finally, Nova Credit works with multiple bureaus in the same country/region, and each bureau may have a different score for you.

Download the HSBC Singapore app, select "Start my application" and apply using Myinfo via Singpass.

•  You need to be a Singaporean or Permanent Resident living in Singapore
  
•  You need to be new to banking with HSBC Singapore - that means you do not hold any joint accounts or existing HSBC credit cards, as a primary or supplementary cardholder
  
•  You need to be a salaried employee for at least 6 months with your current employer
  

Your application is subject to HSBC's eligibility criteria, as well as prevailing regulatory guidelines.

You can apply for an HSBC credit card via our online form which is available on our HSBC credit card website.

Myinfo is a service that allows Singpass users to manage their personal data and to pre-fill online forms. You may review and confirm the accuracy of your information before submitting the application. To update information in non-editable fields, you may do so by accessing the Myinfo Portal or by approaching the relevant government agencies.

Every Singpass user has a Myinfo profile. If you don't have Singpass, you may choose to do your credit card application using the online form.

In some cases, we may require additional information from you and will need more time to process your application. We'll contact you at your mobile number within 3-4 working days, if necessary.

Please allow us more time to process your application. We will get in touch with you within 3-4 working days, if necessary.

You'll see a message at the end of the application journey informing you that your application is unsuccessful. Please note that no other notification will be sent to you.

Upon approval, you'll be able to register for online banking within the same session. Once your registration is completed, you'll be able to view your online banking profile and use your credit card credentials (including your credit card number, expiry date and CVV) for online purchases immediately. Additionally, you can also link your credit card to Apple Pay or Google Pay for immediate use. Find out more.

Yes, you may register for online banking later when you've received your credit card and PIN. However, we strongly encourage you to complete the registration within the same session to make the experience as seamless as possible. It's really quick and the whole registration process takes less than 5 minutes to complete.

If you have not submitted the application, you'll have to restart the application. If you have received an approved status but did not complete your online banking registration within the same session on the mobile app, you'll need to wait for your credit card and PIN to arrive in the mail before you can register for online banking.

There is a daily system maintenance scheduled between 12am-8am for the Credit Bureau Singapore system, during which you won't be able to apply using the HSBC Singapore app. However, you can still apply via our online form, available on our HSBC credit card website, during this time period.

SMS HSAPP SUPP <space> Name <space> NRIC to 74722 to apply. We will be in touch within 3 working days to assist with your application.

We strive at all times to ensure that your personal data is protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.

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For security purposes, you'll need to activate your new credit card(s). This can be done using either of the following:

• Logging on to HSBC Singapore app
  
  For existing online banking customers, simply log on to the HSBC Singapore app and select the credit card account, followed by "View more" and "Manage cards".
  If you're new to the HSBC Singapore app, download the app and register with the Singpass app. Find out more. Once you've successfully logged on to HSBC Singapore app, you can activate your credit card following the steps above.
  
• Calling our hotline
  

For new customers or existing customers without a phonebanking PIN, please call 1800-4722 669 and have the following details to hand: NRIC, credit card number, debit card number or account number.

You will receive an SMS to your registered mobile number, so ensure your phone is to hand.

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A virtual card is a digital copy of your physical HSBC credit card in HSBC Singapore app. It displays your cardholder's name, credit card number, expiry date and CVV.

Please note, these details are masked by default in the HSBC Singapore app.

You can use your virtual card to make online transactions with the credit card details.

All HSBC Credit Cardholders can access a virtual card. You can use it as soon as your credit card application has been approved. To access your virtual card, you'll need to register for HSBC Mobile Banking.

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The pages below have more information:

Cash advance and quasi cash

Dynamic currency conversion

Table of fee and charges (bank tariffs)

We charge finance charge/interest from the date each transaction or charge is added to your account until the amount is paid off by the due date. It is calculated as follows:

• the amount you owe us multiplied by
• the interest rate of your credit card multiplied by
• the number of days it takes you to make the full payment

Please also note the following:

• minimum charge: SGD2.50
• prevailing interest rate: 27.8% per annum
  
• cash advance interest rate: 28..5% per annum
  

A late charge is imposed on your account if minimum payment is not posted into the account by the due date stated in your statement. The late charge is SGD100. 

Your minimum payment amount will be calculated as:

• 100% of the monthly instalment amount for each of your cash instalment plans and spend instalment plans, if you have any;
  

Plus:

• 100% of any interest, late fees, annual credit card fees and overlimit fees charged to your account

Plus:

• 1% of your remaining outstanding balance (i.e. your total outstanding balance less the amounts set out under the previous two bullet points)

Plus:

• the excess amount above your credit limit, if your account is overlimit, or SGD50, whichever is greater.

*The total amount under the 2^nd and 3^rd bullet points is subject to a minimum of $50 (in the currency of your account).

However, if your total outstanding balance is less than $50 (in the currency of your account), your minimum payment amount will be your total outstanding balance.

The payment received will be allocated in this order:

1. instalments for each of your cash instalment plans and spend instalment plans, if you have any
2. interest charges
3. late fees
4. annual credit card fees
5. overlimit fees
6. service charges (e.g. cash advance fees)
7. transactions charged to your account

We also apply payments to to transactions with the highest interest rate to lowest interest rate after clearing the minimum payment. If the interest is the same, we'll start applying it to the oldest amounts first.

Yes, the annual fee will be payable even for cards that are not activated yet.

The annual credit card fee for each year after the first year will be waived if the cardholder charges a minimum of SGD12,500 (for TravelOne only, the minimum is SGD25,000) to the card account in that year. Annual credit card fee waiver is not applicable for Visa Infinite.

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Cash advances can be made at over 900,000 Visa/Plus ATMs (for Visa cardholders) and MasterCard/Cirrus ATMs (for MasterCard cardholders) in more than 120 countries/regions.

The amount of cash you can withdraw from your card account is subject to the cash limit we've set for your account, in relation to the status of your card account. You can find the cash limit for your account by checking your monthly credit card statement.

Quasi cash transactions represent the purchase of foreign currencies or items (including, but not limited to, casino chips, cryptocurrencies, money orders, lottery tickets and travellers cheques) which may be convertible to cash, and other such transactions as determined by us from time to time.

Quasi cash transactions are based primarily on Merchant Category Codes (MCCs). The following are identified MCCs with their respective descriptions:

a) 7802 - government-licensed horse/dog racing

b) 7995 - betting, including lottery tickets, casino gambling chips, off-track betting, and wagers at race tracks

c) 4829 - money order / wire transfer

d) 6050 - quasi cash / customer financial institution

e) 6051 - non-financial institution such as cryptocurrency, foreign currency, money order (not wire transfers), stored value card/load, and travellers cheque.

f) 7801 - government-licensed online casinos (online gambling)

Quasi cash transactions are treated as cash advances and interest begins to accrue once your card has been charged.
Cash advances and quasi cash transactions incur a fee per transaction of 8% of the amount withdrawn, or SGD15, whichever is greater. Interest charges will also be levied at the prevailing cash advance interest rate on the amount withdrawn from the date of the transaction until the date repayment is made in full, or the next statement date, whichever is earlier.

Yes, you're able to make transactions related to cryptocurrencies with your credit card. However, these are typically processed with the Merchant Category Code 6051 and are classified as quasi cash transactions by HSBC. As such, prevailing cash advance fees and interest charges will be applicable on cryptocurrency transactions.

Some of the common scenarios where transactions are processed with an MCC related to quasi cash include:

• transferring of money via a platform
• acquiring cryptocurrency/bitcoin online
• purchasing casino chips/credits at gambling related merchants

Based on transaction information in 2020, some common merchants who processed transactions with an MCC related to quasi cash include Western Union, TransferWise, and Coinbase. However, please note that the type of MCC is dependent on how merchants set up their payment terminal (which may change from time to time).

Depending on how merchants have classified their business, the Merchant Category Code (MCC) would then be assigned by the acquiring bank/scheme (which may change from time to time).

You'll need to seek clarification directly from the merchant on what the MCC will be (typically a four-digit code) and see if it falls under the list of MCCs which HSBC classifies as quasi cash transactions.

Yes, the prevailing cash advance fees and interest charges will still be applicable.

Rewards points or rebates are only earned on purchases of goods or services. Quasi cash transactions do not qualify as such, and therefore earn no rewards points nor rebates.

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Dynamic Currency Conversion (DCC) is a service offered at selected ATMs located overseas and used by certain merchants and service providers (who may be located overseas or online). DCC converts a foreign currency transaction into the currency of your credit card account at the point of sale. The currency of your card account is Singapore dollars if you have a Singapore dollar issued credit card and US dollars if you have a US dollar issued card.

The merchant will convert the transaction amount into the currency of your card account, using a foreign exchange rate determined by the relevant merchant or DCC service provider. This rate may differ from the foreign exchange rate determine by Visa, MasterCard or other relevant card scheme associations.

All transactions on HSBC credit cards which are converted via DCC will be subject to a fee of 1% of the converted transaction amount. This is a fee imposed by Visa, MasterCard or such other card scheme association (as the case may be).

If the transaction was charged in the currency of your credit card account and the merchant performs their payment processing outside of Singapore, the DCC fee would be applicable to the transaction.

If the transaction was charged in a currency different from the currency of your card account, the foreign currency transaction fee would be applicable for the transaction instead. For details on tariffs and charges, please read more in the link below.

If the transaction was charged in the currency of your credit card account and the merchant performs their payment processing outside of Singapore, the DCC fee would be applicable to the transaction.

Do note that while some merchants operate locally, they may route their payment processing outside of Singapore. In such cases, Visa, MasterCard or such other applicable card scheme association (as the case may be) would classify the transaction as a foreign currency transaction.

For illustrative purposes:

Merchant provides a car transportation service in Singapore via a mobile application. While the merchant quotes its fares in Singapore dollars, their payment processing facilities are located in the Netherlands. When payment is made for the fare using your credit card, Visa, MasterCard or such other applicable card scheme association (as the case may be) will classify the transaction as a foreign currency transaction. If the fare for a ride is SGD10, there would be an additional DCC fee of SGD0.10 imposed and this will be reflected in your credit card statement.

If the transaction was charged in the currency of your credit card account and the merchant performs their payment processing outside of Singapore, the DCC fee would be applicable to the transaction. Do note that while some merchants operate locally, they may route their payment processing outside of Singapore. In such cases, Visa, MasterCard or such other applicable card scheme association (as the case may be) would classify the transaction as a foreign currency transaction.

For illustrative purposes:

Merchant provides an online platform for purchasing of books. While the merchant quotes its prices in Singapore dollars, their payment processing facilities are located in Japan. When payment is made for a purchase using your credit card, Visa, MasterCard or such other applicable card scheme association (as the case may be) will classify the transaction as a foreign currency transaction. If the price of book is SGD10, there would be an additional DCC fee of SGD0.10 imposed and this will be reflected in your credit card statement.

If the transaction was charged in the currency of your credit card account (i.e, US dollars) and the merchant performs their payment processing outside of the United States and Singapore, the DCC fee would be applicable to the transaction.

For illustrative purposes:

Merchant runs a resort which is located in Maldives where transactions are typically charged in USD. While the merchant quotes its prices in US dollars, their payment processing facilities are located within Maldives and not the United States. When payment is made for the resort stay using your credit card, Visa, MasterCard or such other applicable card scheme association (as the case may be) will classify the transaction as a foreign currency transaction. If the resort charge is USD100, there would be an additional DCC fee of USD1 imposed and this will be reflected in your credit card statement.

No, you will not see the DCC fee when making the purchase as it will only show the purchase amount converted to the currency of your card account.

The DCC fee will be reflected in your next credit card statement.

For illustrative purposes:

When visiting Hong Kong, your hotel bill amounts HKD1000. The hotel may offer you the choice of charging your credit card either:

a) SGD 200 or

b) HKD1000

For option (a):

You will sign the bill for SGD200 which is HKD1,000 converted into Singapore dollars was based on the foreign exchange rate and administrative fee determined by the merchant or DCC service provider. The DCC fee will be charged after your purchase is converted to Singapore dollars.

The final amount that will be charged to your credit card account will be as follows:

DCC transaction at hotel: SGD 200.00
DCC fee (1% of converted amount): SGD 2.00
Total: SGD 202.00

For option (b):

You will sign the bill for HKD1000, and the transaction will thereafter be converted to the currency of your card account. All conversions will be based on the wholesale foreign exchange rate determined by Visa, MasterCard or other relevant card scheme associations. A foreign currency transaction fee of 2.25% by the bank and 1% by Visa/MasterCard card associations will be applicable. Assuming the exchange rate applied converts the transaction amount to SGD180.83, the final amount charged to your credit card will be SGD186.71.

You will need to seek clarification directly from the merchant as this depends on how merchants has set up their payment process (which may change from time to time). If the transaction has been charged and posted, you will be able to see a separate DCC fee within your monthly statement.

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The minimum payment amount will be:

1. 100% of the monthly instalment amount for each of your cash instalment plans and spend instalment plans, if any; plus
2. 100% of any interest, late fees, annual credit card fees and over limit fees charged to your account*; plus
3. 1% of your remaining outstanding balance (i.e. your total outstanding balance minus the amount set under the previous two bullet points)*; plus
4. The excess amount above your credit limit, if your account is over limit,

*The total amount under the 2nd and 3rd bullet points is subject to a minimum of $50 (in the currency of your account).

However, if your total outstanding balance is less than $50 (in the currency of your account), your minimum payment amount will be your total outstanding balance.

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You can click here for details on how to apply for a credit limit increase.

No, both the primary and any supplementary cardholders share the same credit limit. Transactions from all parties will be consolidated and reflected in the primary cardholder's statement.

Yes, you may state your preferred credit limit in your application. This will then be subject to our review and approval. Alternatively, you may ask for your credit limit to be assigned by us.

Please allow at least 3 working days to process your application after the required documents are submitted. In event of high volume, it will take a longer time to complete the review.

We can consider granting a Singapore citizen or permanent resident (PR) the maximum aggregate credit limit for unsecured credit facilities. We'll base our decision on the following:

• Whether you have an annual income of SGD120,000 or higher, that's up to 6 times your monthly income
• Whether you have an annual income of between SGD30,000 and SGD120,000, that's up to 4 times your monthly income
• An amount which we may determine at our own discretion

Once you've submitted your application, you can't cancel it. We'll notify you of our decision via SMS on your registered mobile number.

We may decline your application if you're not eligible for a credit limit increase. We may also decline it if we received incomplete or insufficient supporting income documents.

Credit limit increase applications are subject to review. Depending on the supporting income documents provided and various policy guidelines, we may have to decrease your credit limit.

You can ask for a temporary credit limit increase by phone. We can grant it for overseas travel, weddings, hospitalisation and compassionate purposes. To ask for a temporary credit limit increase, please call us on +65 6-HSBC NOW (6-4722 669).

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You can report lost / stolen cards on the HSBC Singapore app or by calling HSBC.

To report your lost / stolen card in the app, follow these steps:

1. Log on to the HSBC Singapore app using your credentials.
2. Select the card you want to report lost / stolen, tap on 'View more' and then on 'Manage cards'.
3. Tap on ‘Report lost or stolen card’.
4. Select the card(s) you want to report (you can also select your debit cards here).
5. Tap on ‘Continue’.
6. Review the details on the page. To proceed, tap ‘Block and replace card’.

Or

1. Log on to HSBC Singapore app using your credentials.
2. Go to Support tab.
3. Tap on ‘Report lost or stolen card’.
4. Select the card(s) you want to report.
5. Tap on ‘Continue’.
6. Review the details on the page. To proceed, tap ‘Block and replace card’

To report by phone call:

Call us on 1800-HSBC NOW (4722 669) from Singapore or (65) 64722 669 from overseas to report your lost / stolen card.

If the delivery address reflected on HSBC Singapore app is not correct then please temporarily block your cards on the app and submit your updated address via HSBC Online Banking. After your address has been updated, you can continue to submit the lost/stolen card request on the app or by calling us.

Once your credit card has been reported lost or stolen, we will block your card immediately and issue you a replacement card. Some merchants may stop processing your recurring billings and subscriptions on your old blocked card. Remember to re-initiate them using your new card details.

While you wait for your credit card to arrive in the post, you can start using your new card straightaway. Just open your HSBC Singapore app and go to the relevant credit card account to view your new card details. You can start using the card instantly by adding it to Google Pay or Apple Wallet.

If you believe that you've misplaced your credit card and you need time to look for it, you can temporarily block your credit card on the app.

1. Log on to the HSBC Singapore app.
2. From your home screen, select the credit card you want to block.
3. Tap 'View more' and then 'Manage cards'.
4. Tap the button next to 'Temporarily block this card'.
5. Read the important information that pops up and tap 'OK'.
6. You'll return to the 'Manage cards' screen where you'll see that your card is now greyed out, indicating that you have temporarily blocked it. 

If you've reported that your card has been lost or stolen, or that it's been suspended due to fraudulent transactions, for security reasons, we'll remove the credit card account from your online banking profile and access to the card statements. We'll then create a new credit card account for you before we re-issue you a new card.

If your credit card is getting replaced because of physical damage or the card expiry date, you can still access your card statements via online banking or our mobile banking app.

To receive a copy of the previous credit card statements, you can contact us via Chat with us.

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Generally, customers can ask for a chargeback within 120 days of the date of transaction if they encounter non-delivery of goods and services, delivery of defective/unfit goods and services, credit card transaction errors and/or unauthorised transactions.

We encourage that submission of dispute form be done within 14 days from your statement with the disputed transactions. This allows sufficient time for the bank to review and raise the chargeback on your behalf.

Please call our customer service centre immediately if your card is lost, stolen, or if fraudulent transactions have been made. Our customer service officers will assist to block your credit/debit card immediately and also guide you on how to submit a dispute declaration form for the unauthorised transactions.

You can reach us at 1800-4722 669 in Singapore or (65) 64722669 from overseas.

You can raise a dispute by submitting a card dispute declaration form and attaching any necessary supporting documents.

Please refer to the form for any card disputes.

If your card has been lost or stolen, or if you believe any fraudulent transactions have been made, please call our customer service centre and we'll block your card immediately and issue you with a replacement card.

Call us on 1800 4722 669 from Singapore or (65) 64722 669 from overseas.

If you want to dispute any transactions posted on your account, we'll need you to submit a card dispute declaration form, together with any relevant supporting documents (eg police report, receipts, etc).

Please note that a card dispute declaration form is required unless we've already confirmed that a chargeback will be raised on your behalf.

Please refer to the form for any card disputes.

We will inform you via letter if you are eligible for a temporary credit. In such scenario, you do not need to pay for the disputed amount while we continue the dispute investigation.

Even though your payment is via instalments, the full purchase amount would still have been released to the merchant when the purchase was made.

If you're unable to reach a resolution with the merchant and/or the liquidators of the merchant, you can complete a card dispute declaration form and we'll attempt to raise a chargeback on your behalf. Please select the dispute reason as "I have an issue with the merchandise/service that I had purchased" and complete the rest of the form as needed.

Please refer to the form for any card disputes.

While we will do our best to resolve your dispute in the shortest possible time, the investigation progress also requires review/input from other parties (eg. merchants). As such, the investigation can take between 2 and 6 months upon receipt of your dispute form for the dispute to be resolved.

Yes. We will send you a letter once the result of the dispute has been confirmed.

If you have any queries, please call us at 1800-4722 669 in Singapore or (65) 64722669 from overseas.

You can also visit MoneySense website for FAQs on credit card chargeback and dispute resolution.

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All HSBC primary credit cardholders holding valid HSBC Visa and Mastercard credit cards issued by HSBC Bank (Singapore) Limited, except HSBC Corporate/Company and Advance credit cardholders and supplementary cardholders, are eligible for the programme.

Each cardholder who holds a Singapore dollar denominated credit card will earn one Reward point for every SGD1 charged to your HSBC credit card on qualifying transactions made locally and overseas. Each Cardholder who holds a US dollar denominated credit card will earn one Reward point for every USD0.70 charged to your HBSC credit card on Qualifying Transactions made locally and overseas. Please note that certain transactions are excluded from earning Reward points and that the earn rate for Reward points may be accelerated in accordance with the terms and conditions specific to certain credit cards. Cardholders should refer to the credit card specific terms and conditions for details on the transaction exclusions and accelerated earn rate for Reward points (as they may be applicable from time to time). Reward points can be used to redeem shopping, dining and entertainment vouchers, gifts and cash rebates. And your Reward points last not one but three years.

For all HSBC credit cards, you can use your Reward Points to redeem air miles or hotel points, or offset your spending through Pay with Points. You can also use your Reward Points to redeem merchandise and gift cards in Reward Marketplace, or to plant trees with One Tree Planted.

You can make redemptions on the HSBC Singapore app only.

To learn more about credit card terms and conditions, and FAQs, please visit our Rewards Catalogue page.

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Spend Instalment helps to split your retail purchases (including shopping, travel, education, etc.) into interest-free instalments at a low one-time processing fee.

It can be applied for transactions charged locally or overseas, across a wide variety of category (e.g. shopping, travel, education, etc.) Transactions needs to be reflected in your latest HSBC credit card statement or posted by merchant but unbilled.

To apply using the HSBC Singapore app: You can combine up to 10 transactions of at least SGD200 in an instalment plan. The total instalment plan amount must be at least SGD500.

To apply using other channels: You need a minimum amount of S$500 per transaction to use Spend Instalment. You're unable to combine transactions into one instalment plan.

You can now apply to a maximum of 6 instalment plans at any one time. Previously it was capped at 5 instalment plans.

The following transactions are not eligible: non-retail transactions such as Cash Advance, Balance Transfer, HSBC's Card Instalment Plan with participating merchants, any interest payable, fees, charges and such other transactions that HSBC may determine.

To apply or find out more, you can:

• Download the HSBC Singapore app and log in to apply.
• SMS INST to 74722.
  An HSBC customer service officer will then contact you on your application within 3 working days.
• Call our hotline at 1800-HSBC NOW (4722 669).

The approved instalment amount will be divided into equal monthly instalment based on the tenure you selected. If the approved instalment amount cannot be divided into equal monthly instalments, the relevant balance will be included in the last instalment.

Yes, we will send you an SMS, E-mail or letter once the application has been processed.

Alternatively, you can also view the Spend Instalment plan details on the HSBC Singapore app under "Your instalment plans" once the Spend Instalment application is approved.

Regardless whether the Spend Instalment application is approved or declined, you are liable to pay the total outstanding balances incurred on your credit card statement by the payment due date, failing which interest and finance charges may apply.

Interests and late payment charges will be levied on any overdue Instalment as well as other overdue amounts in the credit card accounts in accordance with the terms of the Cardholder's Agreement, i.e.: payments made to the HSBC credit card accounts of Eligible Customers will be applied in the following order of priority, namely: instalments for each of your cash instalment plans and spend instalment plans (if any), interest charges, late fees, annual credit card fees, overlimit fees, service charges (e.g. cash advance fees), outstanding balances not under promotional interest rates and balance transfer amounts (if there are multiple balance transfers, payment will be made to the one with the highest interest rate first) on your card.

A termination charge of SGD100 will be imposed for these scenarios:

• Early repayment of instalments
• Change of instalment period
• Termination of the instalment plan under the Programme

No, you cannot. If you need to cancel or amend the plan, please call our hotline at 1800-HSBC NOW (4722 669). Please note that there is a charge of SGD100 imposed for any early repayment of instalments, change of instalment period, or termination of the instalment plan under the Programme.

For monthly instalments which are billed to your account from 8 March 2022 onwards, 100% of the monthly instalment will be included in your minimum payment calculation.

If you are making full payment for your statement balance, there is no significant impact with this change. 

No, Spend Instalment is applied via HSBC after your transaction has been successfully posted. It can be used on a variety of transactions from various merchants. For more details, visit: https://www.hsbc.com.sg/credit-cards/features/spend-instalment/

For Card Instalment Plan, you can request for it during point of purchase, at any of the participating merchants. For more details, visit: https://www.hsbc.com.sg/credit-cards/features/card-instalment-plan/

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Visa payWave and MasterCard Tap and Go are contactless methods of payment that don't require signature authorisation.

For purchases below SGD200, simply wave your Visa payWave or MasterCard Tap and Go enabled credit card in front of a secured reader at the point-of-purchase, and your payment is complete.

The magnetic strip of your credit card is not activated for overseas use, but you can still make transactions with your credit card using other modes of payment, for example, online or chip-enabled transactions.

You can call our hotline at 1800-HSBC NOW (4722 669) and select the option of "Overseas usage enrollment" and follow the steps.

If your credit card is blocked due to such policies, you can submit a request to reverse the suspension, together with relevant supporting documents.

Find out more about Balance To Income.

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Mastercard Automatic Billing Updater ("ABU")/Visa Account Updater (“VAU”) helps Cardholders to avoid card-not-present declines (due to account number changes and/or expiration date changes) with card-on-file and recurring payment merchants.

Cardholders generally save their account details with merchant(s) for recurring payment transactions or faster e-Commerce experience. In the event of any change in the account number or the expiry date, the cardholder is required to update the new account details with all the merchant(s). ABU/VAU offers convenience to Cardholders in that it allows the updated account details to be provided to participating merchants on behalf of Cardholders to avoid preventable transaction declines (due to account number changes and/or expiration date changes).

Examples of card-on-file payments include:

a. Payments processed using a card number you have stored with a merchant or service provider. Some examples of merchants/service providers with whom you may have created an account and saved your card information are:

• Online retailers
  
• Digital wallets, etc.
  

b. Automated payments i.e. recurring payments you may have set up with a merchant or service provider using your card information:

• Telecommunications providers
  
• Utilities
  
• Gym Memberships
• Insurance, etc.

• Improved cardholder experience due to reduced likelihood of transaction declines or service interruptions when card information is updated.
  
• Continuity in payment relationships between you and your merchants, hence ensuring on-time bill payment.
  
• Reduced need for direct cardholder intervention when new card numbers or expiration dates are issued.
  

ABU/VAU is only available to participating merchants (participation is at merchant's discretion). To avoid late bill payments, please check with your merchant to ensure your card information is updated.

ABU is applicable to HSBC Mastercard credit cards and VAU is applicable to HSBC Visa credit cards 

No, ABU/VAU arrangement/updates are applicable only for activated cards.

Merchants sign up directly with Mastercard/Visa and the list of participating merchants is subjected to updates. Please check with your merchant directly to confirm their participation.

You will automatically be enrolled for ABU/VAU unless you opt out.

Automatic payments will be declined and merchants may charge a late fee.