The card that makes earning rewards easy
Earning rewards is easier than ever. Get up to 4% RewardCash rebate when you spend online, 2% for local supermarket spending, and 1% for all other local and overseas spending. You can easily enjoy rewards when you spend.
Welcome offer
- Extra $200 RewardCash for new credit card customers who successfully apply for a Cash Instalment Plan[@cards-cash-instalment-200rc-offer]
- Perpetual annual fee waiver

Earn extra RewardCash by spending in these categories
Exclusive benefits and offers

Earn HSBC Reward+ Red Hot Stamp Card Rewards
Receive HSBC Reward+ stamps and get RewardCash when you spend the designated amount in a single transaction.
- Get up to $60 in RewardCash when you spend at YATAEarn HSBC Reward+ stamps and receive up to $60 in RewardCash during each promotional phase when you spend HKD200 or above in a single transaction at YATA. T&Cs apply.
- Get up to $40 in RewardCash when you spend at McDonald'sEarn HSBC Reward+ stamps and receive up to $40 in RewardCash each month when you spend HKD25 or above in a single transaction at McDonald's. T&Cs apply.
- Get up to $90 in RewardCash when you spend at MCL CinemasEarn HSBC Reward+ stamps and receive up to $90 in RewardCash during each promotional phase when you spend HKD50 or above in a single transaction at MCL Cinemas. T&Cs apply.
Preferential handling fee for Spending Instalment Plans
Enjoy an exclusive one-off handling fee of as low as HKD50 when you apply for a Spending Instalment Plan using your HSBC Red Credit Card via the HSBC HK Mobile Banking app or Reward+ app. T&Cs apply.

Additional benefits you can enjoy
- Perpetual annual fee waiverEnjoy a perpetual waiver on your annual fees with your card—no spending limits required!
- Activate your virtual card once your application has been approvedOnce your application has been approved, you can activate your virtual card and add it to your digital wallets. Start shopping online and making mobile payments with your card right away for a faster, hassle-free experience!
Things you should know
Eligibility
An annual income of HKD120,000 or above