Credit Cards

How are credit card finance charges and late charges calculated?

Finance charges

If you do not pay the total outstanding amount due on your credit card by the payment due date, we'll charge this fee to your card. You can see the full details of how this fee is calculated in our guide to general banking tariffs.

Late charges

If we do not receive the minimum payment due on or before the payment due date, we'll charge this fee to your credit card. You can see the full details of how this fee is calculated in the HSBC Credit Card Terms (PDF).

Will I be charged anything extra if I use my card overseas?

Card transactions which are effected in currencies other than Hong Kong dollars (for a Hong Kong dollar card) and US dollars (for a US dollar card) will be debited to the Card Account after conversion into Hong Kong or US dollars, as appropriate, at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. The Bank will also debit to the Card Account a fee of 0.95% of the card transaction charged by the Bank and a fee of 1% charged by Visa/MasterCard to the Bank. 

For UnionPay Dual Currency Card and HSBC Pulse UnionPay Dual Currency Diamond Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank.

When I am overseas, I was given a choice to select whether I would like to settle in the currency of the credit card or the foreign currency. What is the difference? How would the Bank charge me?

If you choose to settle in the currency of the credit card, then the amount appearing on the transaction slip will be billed to your card account. That amount already includes all the applicable charges and no extra charge will be charged by the Bank. Note that such option is a direct arrangement offered by the overseas merchants or online stores but not the Bank. Since settling foreign currency transactions in the currency of the credit card may involve a higher cost, customers are reminded to make enquiries directly through the merchants or online stores for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are settled. 

If you choose to settle in the foreign currency, the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. The Bank will also debit to the card account a fee of 0.95% of the card transaction charged by the Bank and a fee of 1% charged by Visa/MasterCard to the Bank. For HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank. Such transaction fee is waived for transactions effected in Macau Pataca and made with HSBC Pulse UnionPay Dual Currency Diamond Card.

How would I know which currency will be charged when I purchase online? What is the charge?

Please kindly make enquiry through the online stores at which you are making purchases.

If a foreign currency is billed, then the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. The Bank will also debit to the card account a fee of 0.95% of the card transaction charged by the Bank and a fee of 1% charged by Visa/MasterCard to the Bank. For HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank. Such transaction fee is waived for transactions effected in Macau Pataca and made with HSBC Pulse UnionPay Dual Currency Diamond Card.

If the currency of the credit card is billed, then the transaction amount will be billed to your card account. That amount already includes all the applicable charges and no extra charge will be charged by the Bank. Note that such option is a direct arrangement offered by the overseas merchants or online stores but not the Bank. Since settling foreign currency transactions in the currency of the credit card may involve a higher cost, customers are reminded to make enquiries directly through the merchants or online stores for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are settled.

Can I get a waiver on the annual fee for my credit card?

We've permanently waived the annual fee for these credit cards:

• HSBC Premier Mastercard Credit Card
• HSBC Red Credit Card

If you hold an HSBC EveryMile Credit Card, we can waive the annual fee for your first year as part of your welcome offer. Thereafter, the annual fee will be waived for the next year if your annual purchases on the card reach a designated amount in the prevailing years. For details, please visit HSBC EveryMile Credit Card page.

If you hold other HSBC credit cards, please refer to the key fact statement and bank tariff guide for more details. We reserve the right of final decision to charge or adjust the annual fee.

What are the benefits of HSBC Premier Credit Card?

Please visit the HSBC Premier Credit Card page for more details.

Do I need to pay an additional fee for applying for the HSBC Premier credit card?

There is no additional service fee if you apply for the HSBC Premier credit card. You will enjoy a perpetual annual fee waiver on the HSBC Premier primary credit card and all of the additional credit cards by providing the Integrated account number (HSBC Premier).

^All charges are subject to revision without notice. The latest charges are available at branches upon request.

How can I know whether my application for HSBC Premier Mastercard® Credit Card is successful?

If your application is successful, an SMS/email/letter notification will be sent to you.

How can I check the status of my credit card application?

Please mark down a reference number displayed on screen after you have submitted your application. You may call: (852) 2233 3033 for HSBC Global Private Banking customers, (852) 2233 3033 for HSBC Premier Elite customers, (852) 2233 3322 for HSBC Premier customers, (852) 2233 3000 for Other customers and quote the reference number to check for the application status.

There's a problem with a transaction on my credit card statement. Who do I contact?

Call us as soon as you notice the problem and we'll investigate.

HSBC Global Private Banking customers
(852) 2233 3033

HSBC Premier Elite customers
(852) 2233 3033

HSBC Premier customers
(852) 2233 3322

Other customers
(852) 2233 3000

Can I add an additional cardholder to my credit card?

Yes, you can add an additional cardholder to any HSBC credit card you hold unless it's an HSBC EveryMile Credit Card or an HSBC Visa Gold Card for students.

Will I earn RewardCash when I make Internet bill payments?

Yes, you will earn $1 RewardCash for every HKD250 paid towards your bills online (except bill payment to Inland Revenue Department) using the following cards:

• HSBC Premier Credit Card
• HSBC Visa Signature Card
• HSBC EveryMile Credit Card
  
• HSBC Red Credit Card
• HSBC Visa Platinum Card
• HSBC Pulse UnionPay Dual Currency Diamond Card

RewardCash will be awarded only for the first HKD10,000 eligible online bill payments made using an eligible credit card in each monthly statement cycle. Also, online bill payment transactions under bill type of policy loan repayment to insurance companies made with any credit card will no longer be eligible for RewardCash.

How do I cancel a recurring credit card payment?

Please ask the merchant to cancel the payment first and we suggest you retain any written communication with the merchant. If the merchant refused, please provide a copy of your written cancellation instruction to the merchant and other relevant supporting documents such as sales slip/invoice to us for negotiation with the merchant bank. However, the final outcome will depend on the investigation result.

How long will it take to have the result?

We will send you an Acknowledgement Letter within 10 working days after receiving your request. We will follow up on the case and will notify you when there is any update.

My credit card is lost or stolen. Where can I report the incident and request a replacement?

Lost or stolen credit cards should be reported as soon as possible. You can report and request replacements via the HSBC HK Mobile Banking app or HSBC Online Banking. Learn how to report a lost or stolen card.

How can I report a lost / stolen credit card and request a replacement on the HSBC HK Mobile Banking app?

Please follow these instructions:

1. Log into the HSBC HK App
2. On the home page, select the "support" tab at the bottom
3. Select 'Report lost or stolen card'
   

When should I report lost and stolen credit card incidents?

Lost and stolen credit card incidents should be reported as soon as possible. Prompt action will help prevent any potential fraudulent transactions on your lost/stolen credit cards.

You can report lost or stolen credit card incidents that have occurred within the last 30 days via the HSBC HK Mobile Banking App or HSBC Online Banking. To report incidents more than 30 days old, please call our Customer Service Hotline.

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• Other customers: (852) 2233 3000

How long does it take to process my lost/stolen credit card report and issue my replacement card?

Lost/stolen credit card reports and replacement requests made via the HSBC HK Mobile Banking app are processed instantly. We will immediately block your credit card to ensure it is no longer valid and send you an email/letter notification.

Replacement credit cards with a new number will be issued within 5 working days and sent to your registered correspondence address.

Can I dispute a pending transaction?

We recommend you wait until the transaction is processed and posted before disputing. Pending transactions are subject to change until the final transaction amount has been processed and posted.

However, if you realise your credit card is lost or stolen, please report it immediately via the HSBC HK Mobile Banking app or HSBC Online Banking.

Can I also report my other HSBC cards as lost/stolen via HSBC HK Mobile Banking app?

Please report other lost/stolen HSBC cards (eg. debit cards) via HSBC Online Banking or our Customer Service Hotline.

• HSBC Global Private Banking customers: (852) 2233 3033
• HSBC Premier Elite customers: (852) 2233 3033
• HSBC Premier customers: (852) 2233 3322
• Other customers: (852) 2233 3000

How can I make payments to my credit card account?

You may arrange the payment via the following channels/ methods/ payment time. The payment record or the credit limit of the credit card (if applicable) will be updated on a real time basis.

Note: Using Cheque, Standing Instruction, PPS or Inter-bank transfer payment cannot be processed real time.

If I repay my credit card through other means before the autoPay instruction takes effect, will I pay twice for my card statement balance?

Yes, so if you have setup an autoPay instruction but at the same time repay your credit card statement balance using other means, you can contact us at least 1 working day (for HSBC payment account) or 2 working days (for non HSBC payment account) for further arrangement

HSBC Global Private Banking customers
(852) 2233 3033

HSBC Premier Elite customers
(852) 2233 3033

HSBC Premier customers
(852) 2233 3322

Other customers
(852) 2233 3000

Why can't I use my HSBC credit card at tunnels and some carparks? 

This is likely to do with the credit card’s default security feature for offline transactions. If you are unable to use your HSBC credit card at tunnel or some carparks but your card works normally for other transactions, it is recommended you make a face-to-face chip transaction first. 

Currently, credit card payments for tunnels and certain carparks count as "offline transactions". As a security measure against fraudulent transactions, card schemes (such as Visa and MasterCard) have introduced a default setting for card issuers (including HSBC) whereby credit card customers must conduct at least one face-to-face chip transaction (i.e. a face-to-face cashier facilitated transaction whereby the credit card is inserted into the payment terminal during payment), in order to activate and authorise a transaction limit of HKD1,000 for offline transaction. As an added measure, customers also need to make another face-to-face chip transaction whenever they accumulate an offline transaction amount of HKD1,000.

What is contactless payment function (Visa payWave / MasterCard contactless / UnionPay QuickPass)?

Contactless payment function is a free credit card feature which provides swift and convenient payment for HSBC Premier MasterCard® Credit Card, HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC Visa Gold Card for Students, HSBC Visa Card, HSBC Pulse UnionPay Dual Currency Diamond Card, HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard. Contactless payment function is a chip-based technology which allows you to pay for your purchases by tapping your card without the need to sign on the sales slip for payment of not more than HKD1,000* per transaction (*subject to the limits set by the Bank, Visa, MasterCard Worldwide or UnionPay or the merchant).

How to identify if your HSBC credit card has contactless payment function?

You will notice a contactless sign on your card if your card has contactless payment function. Please refer to the below card images for the location of the contactless sign on your card.

How to use contactless payment function?

Contactless payment is easy and convenient to use. Simply spend at a merchant which allows contactless payment and tap on the contactless payment terminal with your card with contactless payment function. A green light will appear on the terminal when the contactless payment transaction is completed. No signature is required for contactless payment transaction of HKD1,000* or below.(*Set by the Bank, Visa, MasterCard Worldwide, UnionPay or the merchant from time to time).

Is there any transaction limits when using contactless payment function?

Contactless payment transaction limit is set by the merchant. Depending on the merchant setup, you may use contactless payment function for contactless payment transaction of up to HK$1,000*.(*Set by the Bank, Visa, MasterCard Worldwide, UnionPay or the merchant from time to time).

Do I need to apply separately for contactless payment function?

Contactless payment function is a free standard feature for HSBC Premier MasterCard ® Credit Card, HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC Gold Card for Students, HSBC Visa Card, HSBC Pulse UnionPay Dual Currency Diamond Card, HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard . If your card comes with contactless payment function, you only need to agree to the credit card terms and conditions and activate your card so as to use contactless payment function.

How can I check my contactless payment transactions? Will they be shown on PIB and credit card statements just like other types of credit card transactions?

Contactless payment function is developed based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Contactless payment transactions are processed through the same reliable payment network as EMV chip transactions.

Where can I use contactless payment function in HK?

There are over 6000 outlets in Hong Kong which currently support contactless payment function, including major supermarkets, convenience stores and eateries. If you see the contactless logo, at merchants then you will know you can use your contactless payment function on your card.

Also, you may refer to Visa/ MasterCard/ UnionPay webpage for an up-to-date list of contactless payment merchants.

Visa: https://www.visa.com.hk/en_HK/pay-with-visa/featured-technologies/visa-paywave.html#2
MasterCard: https://www.mastercard.com.hk/en-hk/consumers/features-benefits/contactless/contactless-locator.html
UnionPay: https://www.unionpayintl.com/en/servicesProducts/products/innovativeProducts/iCCard/

Is using contactless payment function safe?

Contactless payment function is developed based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Contactless payment transactions are processed through the same reliable payment network as EMV chip transactions.

Apart from using my contactless payment function in Hong Kong, can I use my credit card with contactless payment function outside Hong Kong?

Yes, you can use your credit card with contactless payment function outside Hong Kong.

Do I need to sign on the sales slip on contactless payment transactions?

No signature is required for contactless payment transactions for transactions of up to HK$1,000* , subject to the merchant setup. (*Set by the Bank, Visa, MasterCard Worldwide, UnionPay or the merchant from time to time).

I received a notification about contactless payment function. Instead of waiting for renewal, I would like to get a card with contactless payment function sooner. Can this be arranged?

We can arrange a replacement card with contactless payment function for you. Please note while processing the replacement card, your card will be temporarily suspended for merchant transactions (Autopay and Direct Debit Authorization will not be affected). It may take up to 7 working days for replacement card arrangement. For HSBC Pulse UnionPay Dual Currency Diamond Credit Card, HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard, contactless payment function will be enabled from 30 June 2019 onwards.

I received your notification about contactless payment function. So when will my cards be enabled with these features?

You will receive your card with contactless payment function upon card replacement and renewal. For HSBC Pulse UnionPay Dual Currency Diamond Card, HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard, contactless payment function will be enabled from 30 June 2019 onwards.

What should I do if I lost my mobile phone?

You should report the loss to your mobile service provider immediately and request the service provider to suspend your mobile telecommunication service. This is to ensure that in case your credit card information is pilfered illegally, any unauthorised parties will not be able to receive your OTP to use your credit card for any transactions.

How do I open my monthly eStatement?

If you are HSBC Internet Banking users, you can view the eStatement via online. Otherwise, your eStatement will be sent to your designated email address protected by password.

Can you send my eStatements to a different email address?

Log on to Personal Internet Banking to tell us your new email address and any other updated personal information. You can also update us at any HSBC branch, or call us on the numbers below:

HSBC Global Private Banking customers
(852) 2233 3033

HSBC Premier Elite customers
(852) 2233 3033

HSBC Premier customers
(852) 2233 3322

Other customers

(852) 2233 3000

I have changed my password. How can I access my previous monthly eStatements?

Your new password will only work for eStatements issued after you changed your password. You'll need to use your old password to access previous eStatements.

Can I apply for a credit card online?

Yes. To apply, go to Credit cards in Personal Internet Banking.

What credit card instructions can I give using Personal Internet Banking?

You can do the following using Personal Internet Banking: 

• Request a statement
• Enquire about your card application status
• Change your personal information and address
• Set up/change payment instructions
• Increase your credit limit
• Arrange an over-the-limit facility

To give other instructions on credit cards:

• HSBC Global Private Banking customers call (852) 2233 3033
  
• HSBC Premier Elite customers call (852) 2233 3033
• HSBC Premier customers call (852) 2233 3322
• Other customers call (852) 2233 3000

Do I need to register the Octopus Automatic Add-Value Service with the replacement card?

No. We will re-link your existing octopus card to the replacement card for the Automatic Add-Value Service(AAVS). Each cardholder can register three Octopus card belonging to him/ her for AAVS with HSBC credit card only.

Do I need to enter my PIN when I make purchases abroad?

No, you won't need to enter your PIN for making purchase transactions if your credit card was issued to you by us in Hong Kong.

What should I do if a merchant asks for my PIN when I make a purchase?

If your credit card was issued in Hong Kong, you should only need to sign the sales slip to complete your transaction. Please ask the merchant to follow the instructions on the terminal to complete the transaction.

What should I do if I encounter an automatic terminal overseas that only accepts credit cards with a PIN?

Some automatic terminals overseas – such as ones that sell bus, train or movie tickets – may only accept credit cards with a PIN.

Unfortunately, at this time, PIN is the only option for these terminals. You may wish to withdraw cash from an ATM and look for cash-only alternatives to these terminals.

I have received an email/ SMS notification about credit card limit utilisation. Why?

When your credit card account spending has almost reached the assigned credit limit, we will send an alert message to you notifying the credit limit utilisation situation.

What should I do after receiving this email/ SMS?

If you plan to spend beyond your assigned credit limit, you may settle the account balance first to avoid transaction being declined or over-limit handling fee (if customer has opted in the Over-the-Limit facility).

Please note that payments made via HSBC HK App or HSBC Online Banking will be processed in real time between:

• 9:00am to 6:00pm, Mondays to Saturdays
• 9:00am to 12:00am, Sundays and public holidays

I have received the credit limit alert earlier and repaid my balance. Will I still be charged the over-limit handling fee?

We will send you the notification when your credit card spending approaches the assigned credit limit. If the current card balance excluding all the fees and charges currently billed to the card statement has not exceeded the assigned credit limit, the over-limit handling fee will not be charged.

How can I earn RewardCash?

You can earn $1 RewardCash for every HKD250 you spend on a credit card.
For US dollar or Dual Currency Credit Card Renminbi sub-accounts, you'll need to spend US$30 or RMB250 respectively to earn $1 RewardCash.

Will I earn RewardCash when I make Internet bill payments?

Yes, you will earn $1 RewardCash for every HKD250 paid towards your bills online (except bill payment to Inland Revenue Department) using the following cards:

• HSBC Premier Credit Card
• HSBC Visa Signature Card
• HSBC EveryMile Credit Card
• HSBC Red Credit Card
• HSBC Visa Platinum Card
• HSBC Pulse UnionPay Dual Currency Diamond Card

RewardCash will be awarded only for the first HKD10,000 eligible online bill payments made using an eligible credit card in each monthly statement cycle. Also, online bill payment transactions under bill type of policy loan repayment to insurance companies made with any credit card will no longer be eligible for RewardCash.

Can I redeem RewardCash online?

You can redeem RewardCash in the HSBC Reward+ app.

How can I redeem the RewardCash?

There are a variety of RewardCash programmes through which you can redeem your rewards. For example, you can redeem exclusive rewards gift items or offset your spending to enjoy instant savings at a range of merchants.
See all the RewardCash programmes

When does RewardCash expire?

Your monthly credit card statement will tell you when your RewardCash is due to expire. HSBC Premier cardholders can use their RewardCash up to three years after earning it. For all other cardholders, RewardCash is valid for up to two years. 
For more information about the validity of RewardCash, you can refer to the RewardCash Programme Terms & Conditions.

How do I register a promotion offer on "Discover"?

If you do not logon to Reward+ using your current HSBC Personal Internet Banking ("PIB") log on details, you will need to fill in your name and credit card number on "Discover". But if you have logged on, all information required will be automatically filled in for you. After registration, you can view your registration records in the "Registered" section under "Favourites".

I want to register an offer with two of my credit cards. Does that mean I need to register twice?

No. After you have registered an offer with any one of your cards, all other cards (primary and additional) issued by you will be automatically registered with the offer, so you don't need to register again.

I downloaded Reward+ on my smartphone and tablet and have registered my credit card to participate in a merchant / promotional spending offer on my smartphone. Can I view my registration record on the Reward+ or my tablet?

No. You can only view your registration records on the device with which you use to register the offer.

What is the function of "Favourites"?

After you tap the heart symbol at the corner of an offer shown on "Discover", the offer will be saved in "All Favourites". We will remind you when any of these saved offers are expiring in a week (except for offers that last shorter than 2 weeks). If you don’t want to receive these reminders, you can disable the notification anytime via "Settings".  Additionally, details of your registered promotions will also be saved in the "Registered" section under "Favourites"

I have previously registered an offer via another channel but I don't see the record in the "Registered" section under "Favourites". Why?

Reward+ only records the offers that are registered on Reward+. Offers registered on other channels such as PIB and over the phone will not be shown.

Will the promotion that I have registered or saved under "All Favourites" be removed from "Favourites" once they end?

Yes, all registered and saved promotions under "All Favourites" will be removed after the end of the promotion period.

What is the function of "Pay with RC"?

"Pay with RC" is an exclusive function only available on Reward+. You as a primary cardholder can fully or partially pay the current statement or an individual transaction with your RewardCash ("RC"). We will pool the soonest  expired RC from all your cards (including your primary cards and any additional cards issued by you) and the system will auto-fill the RC  amount to match the outstanding statement balance or a transaction based on your total available RC. You can always amend the auto-filled RC amount. The current standard redemption rate is $1 RC = HK$1. When there are promotions with designated merchants, the redemption rate may be different and you can learn more about the promotion details by clicking the "gift box" symbol shown on "Pay with RC".

Can I use "Pay with RC" to offset any transactions in currencies other than HKD?

No. Only purchases which are made in HKD or converted into HKD when posted can be offset by using the "Pay with RC" function. For HSBC Pulse UnionPay Dual Currency Diamond Card and HSBC UnionPay Dual Currency Credit Card, only purchases made in HKD can be offset. HSBC reserves the right to decide whether or not a transaction is eligible for offset by using the "Pay with RC" function.

Do I need to visit the merchant outlet in order to use "Pay with RC"?

No. What you need to do is simply logon to Reward+ with your current PIB log on details and you can then pay a statement or transaction with RewardCash anytime, anywhere.  "Pay with RC" is an exclusive function available on Reward+.

How is the amount displayed in "Amount due" under "Pay with RC" calculated?

"Amount due" is the net amount you need to pay before the due date in order to fully settle your current statement. It takes into account your latest statement balance, and any subsequent payments you made with HKD and RC.  For example, if your latest statement balance is HK$1000, after you make a cash payment of HK$500 and a Pay with RC offset of 300 RC, the amount due will be HK$200.  The net amount displayed in "Amount due" is only shown in the "Pay with RC" function.  

What kinds of transactions are shown in "Pay with RC"?

All of the following purchase transactions (made or settled in HKD) will be shown:
1) Transactions you have just made but processing remain pending
2) Posted transactions that have been processed but are not yet shown in the latest statement
3) Billed transactions that are shown in the latest statement

What are the types of statements and transactions that I can choose to pay with RC displayed?

You can fully or partially pay your current statement or an individual transaction in your current or latest statement with your RC.
If you are a new cardholder and your first statement isn't available yet, you won't be able to view the statement balance on Reward+.

Can I cancel my  "Pay with RC" instructions after they've been confirmed?

No. Payments made using the "Pay with RC" function can't be cancelled or amended once they're confirmed.

Can I view and use the RewardCash earned with the additional card that I issued to another?

You can always view and use the RewardCash earned with your primary cards (including your private label cards) and their additional cards issued by you.

For example:

Credit cards under your name:
Card 1: HSBC Visa Signature primary card            50 RC
Card 2: HSBC Visa Signature primary PLC             20 RC

Additional cards issued by you:
Card 3: HSBC Visa Signature additional card         15 RC
Card 4: HSBC Visa Signature additional PLC          10 RC

Total RC available for your use:                               95 RC

Sometimes, when I use the promotional "Pay with RC" redemption rate, the RewardCash amount that I can enter is always rounded down, such that I am not able to settle the statement or transaction balance in full.  How can I pay the remaining balance?

We always round down the RewardCash amount so that it equals to or is always less than the outstanding statement balance or the transaction amount.  This is to avoid your overpaying of any statement or transaction when you use "Pay with RC". After converting your RewardCash using the promotional "Pay with RC" redemption rate, the corresponding HKD amount might not fully offset the statement balance or transaction amount. The unpaid balance (usually less than HK$1.00 for full offset) will be accumulated and reflected in the statement. You need to settle the remaining balance to avoid incurring any interests and finance charges if you don't fully settle the payment by the statement due date.

Example 1 - full offset (no RC round down)
- Transaction amount: HK$50.4
- Promotional Redemption rate: 1RC = HK$1.2
- RewardCash required for full offset: 42RC
- HKD equivalent using promotional redemption rate: HK$1.2 x42RC=HK$50.4
- Outstanding amount after offset: HK$50.4 - HK$50.4=HK$0  

Example 2 - full offset (after RC round down)
- Transaction amount: HK$20
- Redemption rate: 1RC = HK$1.2
- RewardCash required for full offset: 16.67RC
- RewardCash used: 16RC  (round down from 16.67RC)
- HKD equivalent using promotional redemption rate: HK$1.2x16RC=HK$19.2
- Outstanding amount after offset: HK$20 - HK$19.2=HK$0.8

Example 3 - partial offset (RC balance = 11)
- Transaction amount: HK$20
- Redemption rate: 1RC = HK$1.2
- RewardCash available for partial offset: 11RC
-  HKD equivalent using promotional redemption rate: HK$1.2 x 11RC =HK$13.2
- Outstanding amount after offset: HK$20 - HK$13.2=HK$6.8

What if I pay more than the amount due?

The overpaid amount will be saved in your credit card account as a credit balance. The next time you spend with your credit card, it will be deducted automatically.

I am an additional cardholder. Can I still use the RewardCash earned with my card via other channels?

Yes. Although you cannot use "Pay with RC" on Reward+, you can still use your RewardCash via all other channels.

Can I enter a RewardCash amount with a decimal number when I use "Pay with RC" on Reward+?

No. RC is always presented as a whole number on Reward+. When using RC to pay a statement or transaction, the automatically generated RC amount shown on Reward+ is always rounded down to the nearest integer. It is then converted into the corresponding HKD according to the redemption rate. If a statement or transaction amount is not a whole number, you may not be able to fully pay the statement or transaction.  In this case, you will need to arrange payment of  the outstanding amount by other available repayment methods such as cash deposit, PIB online transfer, cheque deposit, or over the counter payment.

Where can I view my "Pay with RC" payment records?

After you have paid your statement or transaction on “Pay with RC”, the record will be displayed instantly in transaction history on the “Account” page of Reward+.  The record will also be shown subsequently in Mobile Banking App, PIB, e-statement and paper statement. If the offset is posted after the statement date, it will be shown in your next month’s statement instead of this month’s statement.

However, if your card has been cancelled by you or by us, that card will be removed from Reward+. With respect to that card, you will not be able to use any of the "Pay with RC" functions on Reward+.

What information is shown if I tap the "Account" function?

If you tap the "Account" function, you will be required to log on using your current PIB log on details. Once you logged on, you will be able to view your credit card account transactions details (current and latest statements) as well as RewardCash earned, redeemed and expiry dates.

However, if your card has been cancelled by you or by us, that card will be removed from Reward+. All account transaction details and RC records of that card will no longer be shown on Reward+. 

What information is shown on the "Expiry" page under "RewardCash summary"?

The "Expiry" page shows a breakdown of the RewardCash you earned, grouped and sorted by expiry date (maximum up to 3 years).

Is Apple Pay secure?

Apple Pay is a secure way to make payments. When you added your card to Apple Pay, instead of using your actual card numbers, a unique Device Account Number is assigned, encrypted, and securely stored in a dedicated chip (Secure Element) in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked - so only you can make payments from your device.

To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s fingerprint or biometric credentials in your device, or else they might be able to make transactions without your authorization.

Which devices are compatible with Apple Pay?

Apple Pay is currently available on the following devices, with the latest iOS or WatchOS:
In app and in store
iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE;
In store
Apple Watch when paired with an iPhone 5 or later model;
In app
iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.

Which HSBC credit card can I use to apply for Apple Pay?

Any of the below personal HKD HSBC Visa, MasterCard and UnionPay Dual Currency credit card are eligible for Apple Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card, Master Card, HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Credit Card.

What do I need to use Apple Pay?

You must have the below to use Apple Pay:

1) You must have an eligible Apple device as below:

• iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE and later
• iPad Pro, iPad Air 2, iPad mini4, iPad mini 3, and later
• Apple Watch paired with your iPhone

2) The latest version of iOS or watchOS

3) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card, Master Card, HSBC Pulse UnionPay Dual Currency Diamond Card and UnionPay Dual Currency Credit Card. 

4) Set “Hong Kong” as Region in your Apple device

With the above, you can proceed to add a card to Apple Pay to enjoy the fast, easy and private way to pay. 

How can I apply for Apple Pay?

To use Apple Pay, you can directly add your credit card to your compatible Apple device:

For all HSBC Visa and MasterCard Credit Cards, please log on to the HSBC HK App and follow the below instructions to add them to Apple Pay:

1. Select the credit card you want to add
2. Select "View more" and then "Manage credit cards"
3. Select the "Add to Apple Wallet" banner to start the process
4. Agree to the disclaimer and select "Get verification code"
5. Input the OTP SMS and "Confirm"

To add your HSBC UnionPay Credit Card to Apple Pay, please follow the instructions below:

1. Open your Apple wallet app
2. Tap the "+" sign in the upper right corner
3. Select "debit or credit card"
4. Select “Add a Different Card”
5. Follow the on-screen instructions and enter your card details
6. Complete verification by calling our contact centre number

What will happen if I select "Add a Different Card" instead of "HSBC Hong Kong 香港滙豐" on the "Debit or Credit Card" page of Apple Wallet?

If the card is supported by HSBC HK App in-app binding, then you will receive an error message and SMS prompting you to use the HSBC HK App to complete the process.

If the card is not supported by the HSBC HK app in-app binding, then you will be prompted to call our contact center to verify and complete the card binding.

When I am adding my card, I have been prompted for a verification code via SMS. What is this and why is it required?

For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Can additional cardholders apply for Apple Pay?

Yes, additional cardholders can apply for Apple Pay using their additional cards. If your additional cardholder applies for the Apple Pay successfully, both you and your cardholder will receive an email confirmation on the service. The use of Apple Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

Can I use Apple Pay if I have other HSBC Mobile Payments service (such as Android SIM-based Mobile Payments)?

Yes, you can add your card to your device to use Apple Pay.

Can I keep using Apple Pay if I cancel my linked HSBC plastic card?

No, your Apple Pay and your HSBC plastic card share the same card account. Your Apple Pay will be cancelled together with the plastic card.

Can I use Apple Pay with a “jailbroken” device?

No. Apple Pay can only work on device which is not “jailbroken”.

Is Apple Pay free to use?

HSBC will not charge you additional for using Apple Pay.

Where can I use Apple Pay?

You can use Apple Pay in stores with Visa payWave, MasterCard contactless or UnionPay QuickPass payment terminals. You can also make in-app purchases in app where Apple Pay is provided as a payment option.

Can I use Apple Pay overseas?

Yes, you can use Apple Pay overseas in the stores with Visa payWave, MasterCard contactless or UnionPay QuickPass payment terminals. You are advised to bring your HSBC plastic card with you for travel in case Apple Pay is not accepted.

Do I need to connect to internet when I am using Apple Pay?

You do not need internet access to make purchases on Apple Pay. However, internet access is required during setup or to refresh the information of your past transactions.

Is there any limit for each transaction?

Transaction limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. For transactions that cannot be accepted by Apple Pay, please use your HSBC plastic card.

Where can I check my transactions?

You can check all your transactions made via Apple Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Transactions via Apple Pay will be marked with “APPLE PAY” under the transaction details. Other than that, you can also see the last Apple Pay transaction made via your device under your card in Wallet. For Visa Card or MasterCard, when you tap the "i" button in the bottom right corner, you will see the last 10 transactions.

Do I earn RewardCash for Apple Pay transactions?

Apple Pay transactions are treated the same as the other credit card transactions and thus you can earn $1 RewardCash for every HKD250 you spend on Apple Pay.

How do I set my HSBC credit card as the default card for Apple Pay?

The first card you add to Wallet is your default card. To set your HSBC credit card as default, go to Wallet, touch and hold your HSBC credit card and drag it to the front of all the cards. Moreover, you can also go to Settings> Wallet & Apple Pay. Tap “Default Card” and select your HSBC credit card to make it the default card.

What should I do if I lose my iPhone, iPad or Apple Watch?

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com or use the “Find My iPhone” app to suspend or permanently remove your card(s) from that device. If your device is turned off or does not connected to a mobile or Wi-Fi network, the action will be processed once it is online again.

Alternatively, you can call us on 2233 3000 to report loss of your device. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

What should I do if I lose my card?

Please call us on 2233 3000 immediately to report loss. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively. Once your plastic card are reported loss, you will not be able to continue to use Apple Pay with this card.

What happens when I change my device to a new model?

If you change my device to a new model, you will need to add your card(s) to Apple Wallet again. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your card by selecting “Remove Card” after tapping the “i” button in the bottom right corner or go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap “Remove Card”.

What should I do if I want to trade in my phone or want to send my phone for servicing?

You are reminded to suspend all your cards in that device via “Find my iPhone” or iCloud.com. You might also consider removing all your cards by selecting “Remove Card” after tapping the “i” button in the bottom right corner or go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap “Remove Card”.

Is Google Pay secure?

By creating a unique virtual account number for your payment information, your name and full card details are never shown in the app and never shared with the store. Google stores your payment information on secure servers and encrypts it with industry-standard SSL (secure socket layer) technology. For added security, you will be asked to unlock your device for certain payments from time to time. If your phone is ever lost or stolen, you can easily find, lock, or erase your phone using Android Device Manager (https://www.google.com/android/devicemanager).

To protect your card, keep your device under your personal control at all times. Depending on the model of your device, you may be able to turn off the NFC function when you are not using the Mobile Credit Card. If you have lost your device along with your Mobile Credit Card, please report to the bank using the telephone numbers on the back of your HSBC Credit Card as soon as possible.

Which devices are compatible with Google Pay?

Google Pay works with most NFC capable Android? devices running Android 4.4 (KitKat?) or higher.

Which HSBC credit card can I use to apply for Google Pay?

Any of the below personal HKD HSBC Visa and MasterCard credit cards are eligible for Google Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

What do I need to use Google Pay?

You must have the below to use Google Pay: 

1) An NFC capable Android? devices running Android 4.4 (KitKat?) or higher;

2) The Google Pay app downloaded from Google Play Store. If the phone is not compatible, you will not be able to download Google Pay; 

3) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

With the above, you can proceed to add a card to Google Pay app to enjoy simple and secure way to pay.

How can I apply for Google Pay?

For all HSBC Visa and MasterCard credit cards, please log on to the HSBC HK App and follow the below instructions to add them to Google Pay:

1. Select the credit card you want to add
2. Select "View more" and then "Manage credit cards"
3. Select the "Add to G Pay" banner to start the process
4. Agree to the disclaimer and select "Get verification code"
5. Input the OTP SMS and confirm

HSBC UnionPay Credit Cards are not supported by Google Pay at the moment.

When I am adding my card, I have been prompted for a verification code via SMS. What is this and why is it required?

For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Can additional cardholders apply for Google Pay?

Yes, additional cardholders can apply for Google Pay using their additional cards. If your additional cardholder applies for the Google Pay successfully, both you and your additional cardholder will receive an email confirmation on the service. The use of Google Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

Can I use Google Pay if I have other HSBC Mobile Payments service (such as Apple Pay)?

Yes, you can add your card to your compatible device to use Google Pay.

Can I keep using Google Pay if I cancel my linked HSBC plastic card?

No, your Google Pay and your HSBC plastic card share the same card account. Your Google Pay will be cancelled together with the plastic card.

Can I use Google Pay with a rooted device?

No. Google Pay can only work on device which is not rooted.

Is Google Pay free to use?

HSBC will not charge you any additional fee for using Google Pay.

Where can I use Google Pay?

You can use Google Pay in stores with Visa payWave or MasterCard contactless payment terminals. You can also make in-app purchases where Google Pay is provided as a payment option.

Can I use Google Pay overseas?

Yes, you can use Google Pay overseas in the stores with Visa payWave or MasterCard contactless payment terminals. You are advised to bring your HSBC plastic card with you for travel in case Google Pay is not accepted.

Do I need to connect to internet when I am using Google Pay?

Internet access is required during setup or to refresh the information of your past transactions. 

In most circumstances you do not need internet connection to transact using Google Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

Is there any limit for each transaction?

Transaction limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. Occasionally, your device will prompt you to unlock your device for some of the transactions. Follow the on-screen instruction and hold your device close to the payment terminal. For transactions that cannot be accepted by Google Pay, please use your HSBC plastic card.

Where can I check my transactions?

You can check all your transactions made via Google Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Other than that, you can also see the last 10 Google Pay transactions made via your device under your card in the Google Pay app.

Do I earn RewardCash for Google Pay transactions?

Google Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy and thus you can earn $1 RewardCash for every HKD250 you spend on Google Pay.

How do I set my HSBC credit card as the default card for Google Pay?

The first card you add to Google Pay app is your default card. To set your HSBC credit card as default, go to Google Pay app, select the card and tap "Set as default card" Moreover, you can also go to Settings> Google> Google Pay and select your HSBC credit card to make it the default card.

What should I do if I lose my Android device?

You can call us on 2233 3000 to report loss of your device. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Alternatively, you can find, lock, or erase your device using Android Device Manager.

To enable the Android Device Manager, the bank suggest you to take these steps in advance:

1) Sign in to your Google account on your device in order to use the Android Device Manager

2) Turn on the location access under Settings > Location

3) Under Settings > Security > Android Device Manager, move the switches next to 'Remotely locate this device' and 'Allow remote lock and factory reset' to the 'On' position

*Different device might have different setting menu

What should I do if I lose my card?

Please call us on 2233 3000 immediately to report loss. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Once your plastic card are reported loss, you will not be able to continue to use Google Pay with this card.

What happens when I change my device to a new model?

If you change my device to a new model, you will need to add your card(s) to Google Pay app again. Please ensure that you remove your card(s) from any device before selling, repairing, or disposing of them. You can remove your card by selecting "Remove Card" after you tap onto the card.

What should I do if I want to trade in my phone or want to send my phone for servicing?

You are reminded to remove all your cards in that device by selecting “Remove Card” after you tap onto the card. You might also consider removing all your data (including Google Pay’s payment information) by factory reset or suspending your cards by Android Device Manager (https://www.google.com/android/devicemanager).

Is Samsung Pay secure?

When you add a card to Samsung Pay, a device specific digital card is allocated by Card Network through tokenization represents your physical card. The digital card is stored and protected in Secure Environment using Samsung Knox technology. Your physical card details are not stored by Samsung Pay. To ensure each payment is authorised by you, you need to authenticate every payment with your Iris, Fingerprint or a Samsung Pay specific PIN. 

To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s biometric credentials in your device, or else they might be able to make transactions without your authorization.

Which devices are compatible with Samsung Pay?

Samsung Pay works with Galaxy Note8, Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy C9 Pro, Galaxy C7 Pro, Galaxy C5 Pro, Gear S3 and Gear Sport. 

* Devices supporting Samsung Pay may update from time to time. Please visit Samsung Pay website for more details.

Which HSBC credit card can I use to apply for Samsung Pay?

Any of the below personal HKD HSBC Visa and MasterCard credit cards are eligible for Samsung Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

What do I need to use Samsung Pay?

You must have the below to use Samsung Pay:

1) You must have an eligible Samsung device:

Galaxy Note8, Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy C9 Pro, Galaxy C7 Pro, Galaxy C5 Pro, Gear S3 and Gear Sport.

2) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

With the above, you can proceed to add a card to Samsung Pay to enjoy the fast, easy and private way to pay.

* Devices supporting Samsung Pay may update from time to time. Please visit Samsung Pay website for more details.

How can I apply for Samsung Pay?

To add your HSBC MasterCard or Visa Credit Card to Samsung Pay, please follow the instructions below:

1. Open your Samsung wallet app
2. Tap the “Add" button
3. Select "Payment cards"
4. Follow the on-screen instructions and enter your card details
5. Complete verification by calling our contact centre number

HSBC UnionPay Credit Cards are not supported by Samsung Pay at the moment.

To add your card to Samsung Pay on your Gear, just complete the simple steps as below:

1. Launch Samsung Gear App on your paired Android phone (Android OS4.4 and higher with over 1.5GB RAM).
2. Connect your paired phone to Gear via Bluetooth if it is not already connected.
3. Tap on "Open Samsung Pay" under info tab.
4. Tap on "Add Card" shown on the screen to register your card.

* You will need to register a new Gear PIN lock if you have not set it before.

5. Scan your HSBC credit card information, or enter the details manually.

6. Complete verification by calling our contact centre number.

Why I cannot use Samsung Pay even my mobile phone comes with the app?

Samsung Pay is customized for every region for the best customer experience. If you purchase a Samsung Galaxy mobile device from other regions, you will not able to use Samsung Pay.

For device purchase from Hong Kong and Macau, you will need to install a Hong Kong SIM card to use Samsung Pay.

When I am adding my card, I have been prompted for a verification code via SMS. What is this and why is it required?

For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Can additional cardholders apply for Samsung Pay?

Yes, additional cardholders can apply for Samsung Pay using their additional cards. If your additional cardholder applies for the Samsung Pay successfully, both you and your cardholder will receive an email confirmation on the service. The use of Samsung Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

Can I use Samsung Pay if I have other HSBC Mobile Payments service (such as Apple Pay or Google Pay)?

Yes, you can add your card to your compatible device to use Samsung Pay. If you use Google Pay on the same phone, you might need to set the default payment wallet under Settings> NFC> Tap and Pay.

Can I keep using Samsung Pay if I cancel my linked HSBC plastic card?

No, your Samsung Pay and your HSBC plastic card share the same card account. Your Samsung Pay will be cancelled together with the plastic card.

Can I use Samsung Pay with a rooted device?

No. Samsung Pay can only work on device which is not rooted.

Is Samsung Pay free to use?

HSBC will not charge you additional for using Samsung Pay.

Where can I use Samsung Pay?

Samsung Pay can be used at almost any merchants accepting credit card. With the Magnetic Secure Transmission (MST) technology, merchant that does not equipped with contactless card terminal can still accept Samsung Pay.

Can I use Samsung Pay overseas?

Yes, With Samsung's technology Magnetic Secure Transaction (MST), Samsung Pay can be used almost everywhere around the globe. You are advised to bring your HSBC plastic card with you for travel in case Samsung Pay is not accepted.

Do I need to connect to internet when I am using Samsung Pay?

You do not need internet access to make purchases on Samsung Pay. However, internet access is required during setup or to refresh the information of your past transactions. It is suggested that the device should connect to the internet once per day to ensure that Samsung Pay stays up to date.

Is there any limit for each transaction?

There will be no limit for transactions conducted using Magnetic Secure Transmission (MST) technology. 

For transactions conducted using NFC technology, the limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. 

For transactions that cannot be accepted by Samsung Pay, please use your HSBC plastic card.

Where can I check my transactions?

You can check all your transactions made via Samsung Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Transactions via Samsung Pay will be marked with “SAMSUNG PAY” under the transaction details. Other than that, you can also see the last 10 Samsung Pay transactions made via your device under your card in the Samsung Pay app.

Do I earn RewardCash for Samsung Pay transactions?

Samsung Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy. Please refer to RewardCash related webpages for the latest information.

How do I set my HSBC credit card as the default card for Samsung Pay?

There is not a "default" card setting in Samsung Pay. When you open the app or swipe up, the first card displayed is either the last card you registered or the last card you viewed or used. Please swipe left or right to select your HSBC credit card for payment.

What should I do if I lose my device?

You can call us on 2233 3000 to report loss of your device. HSBC Global Private Banking, Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively. Alternatively, you can use Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device). You can set up Find My Mobile service by going to Settings> Security> Find My Mobile> Remote Controls. For details please visit https://findmymobile.samsung.com.

What should I do if I lose my card?

Please call us on 2233 3000 immediately to report loss. HSBC Global Private Banking,  Premier Elite and HSBC Premier customers can call 2233 3033 and 2233 3322 respectively.

Once your plastic card are reported loss, you will not be able to continue to use Samsung Pay with this card.

What happens when I change my device to a new model?

If you change your device to a new model, you will need to add your card(s) to Samsung Pay app again. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your card by selecting the card in the Samsung Pay app, then tap "delete card" in the menu at the top right hand corner.

What should I do if I want to trade in my phone or want to send my phone for servicing?

You are reminded to remove all your cards in that device by tapping "delete card" in the menu at the top right hand corner. You might also consider removing all your data (including Samsung Pay’s payment information) by factory reset or using Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable). For details please visit https://findmymobile.samsung.com

Do I need to provide any supporting documents to apply for the Cash Instalment Plan?

We may need you to upload your proof of income to complete your Cash Instalment Plan application. If you have applied via HSBC HK App, you can also submit your document through the app. A message prompting you to submit the document will be displayed at the following screens:

• Application confirmation page
• Go to ‘Create or view Cash Instalment Plan’ from your credit card account details page
• Banners on the homepage or the credit card account details page of the app

You may also submit your proof of income by clicking ‘Submit documents for Cash Instalment Plan’ under ‘Borrowing Cards and Loans’ on our public website; or mail it in by mentioning your HKID or credit card number on the income proof and marking it ‘for Cash Instalment Plan application’.

How much money can I request?

You can request a minimum of HKD2,000 and a maximum equal to 100% of your unused credit limit on your designated HSBC credit card account.

Will interest be charged on my Cash Instalment Plan?

No interest will be charged on your Cash Instalment Plan if you make full repayment of the credit card's statement balance on or before the payment due date of each month; otherwise, interest which is calculated based on the prevailing interest rate applicable to the credit card account will be levied on all the outstanding balances.  Despite no interest being charged, there is personalised monthly handling fee for Cash Instalment Plan. You can call the application hotline or log on to HSBC HK App to enquire your monthly handling fee.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me?

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.
In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.
We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Cash Instalment Plan, you should notify us as soon as possible.

How do I apply to make an early repayment on the total outstanding amount of my Cash Instalment Plan?

Please call us on (852) 2233 3000 to discuss your options.

How much money can I request?

You can request a minimum of HKD2,000 and a maximum equal to 100% of your unused credit limit on your designated HSBC credit card account.

Will I be charged interest?

Finance charge calculated at a preferential interest rate (per annum) (“Preferential Interest Rate”) will be charged on the outstanding Approved Withdrawal Amount on a daily basis, starting from the credit card monthly statement date immediately following the date of transfer of the Approved Withdrawal Amount to your designated account (which will be specified in the approval letter) until the credit card monthly statement date after the “Preferential Interest Rate End Date” (which will be specified in the approval letter). Thereafter, the finance charge will be calculated according to the same finance charge interest rate applicable to credit card as stipulated in the Tariff Guide. The finance charge will be calculated and accrued on a daily basis.

The Preferential Interest Rate only applies to the Approved Withdrawal Amount under the Cash Credit Plan. All other outstanding credit card balance including card purchases and cash advances will be subject to the interest rates and finance charges as set out in the Tariff Guide.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me?

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.

In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.

We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Cash Credit Plan, you should notify us as soon as possible.

Do I need to provide sales slips of the transactions or other supporting documents to apply for a Spending Instalment Plan?

No - there is no supporting documentation are required for your application.

What's the minimum amount I can apply for?

Each application must be at least HKD1,000

Will interest be charged on my Spending Instalment Plan?

No interest will be charged on your Spending Instalment Plan if you make full repayment of the credit card's statement balance on or before the payment due date of each month; otherwise, interest which is calculated based on the prevailing interest rate applicable to the credit card account will be levied on all the outstanding balances.  Despite no interest being charged, there is personalised monthly handling fee for Spending Instalment Plan. You can call the application hotline or log on to HSBC HK App to enquire your monthly handling fee.

How would the Terms and Conditions of “Set-off” in the Credit Card Terms affect me? 

The Terms and Conditions of set off gives us the right to combine or consolidate the outstanding balance on your Card Account with the balance on any other account which you maintain with us without prior notice.
In addition, if you are the primary cardholder, our right will extend to the outstanding balance on the Card Account of any Additional Cardholder.
We are entitled to transfer or set off any money standing to the credit of any other account which you maintain with us in or towards settlement of your liability to us.

What if I have difficulty in the repayment?

If you have any difficulty in repaying any amount outstanding under the Spending Instalment Plan, you should notify us as soon as possible.

What kind of purchase transactions are eligible and when do I need to apply?

Only posted purchase transactions effected with a Card qualify for the Spending Instalment Plan. Other transactions do not qualify and these transactions include the following:

(i) any unposted, cancelled or refunded transaction; 

(ii) cash advance; 

(iii) instalment plan; 

(iv) Octopus AAVS (Octopus Automatic Add-Value Service); 

(v) withdrawal amount under a cash instalment plan and/or a cash credit plan; 

(vi) gambling transaction; 

(vii) purchase and/or reload of stored value cards or e-Wallets; 

(viii) transaction at non-financial institutions (including purchase of foreign currency, money orders and travellers cheques); 

(ix) transaction at financial institutions (including purchase of merchandise and services from banks); 

(x) wire transfers and; 

(xi) all fees and charges.

You should apply at least 3 working days before the payment due date of the relevant eligible transaction.

How do I apply to make an early repayment on the total outstanding amount of my Spending Instalment Plan?

Please call us on (852) 2233 3000 to discuss your options.

What is HSBC Online Document Submission Service?

This allows you to upload supporting documents online. Transfers are confidential and automatically protected using SSL data encryption.

Why has HSBC introduced this service?

The service helps make applications easier by allowing you to submit your supporting documents 24 hours a day, 7 days a week through the website or Personal Internet Banking.

What are the system requirements for the Online Document Submission Service?

• A computer with Internet connection
• This site is best viewed with Microsoft Internet Explorer 6.0 SP2 or above
• Optimised for Screen Resolution of 1024 x 768

How can I be sure I am connected to HSBC?

HSBC employs the latest internet security measure with the adoption of the EV SSL Certificate (Extended Validation SSL Certificate) which will instantly let you know that you're on a genuine HSBC website.

You will see a change to the URL address bar area at the top of your browser when you visit the secure sessions in the HSBC website (indicated by "https://" at the beginning of the URL). The name of the certificate owner (The Hongkong and Shanghai Banking Corporation Limited) will be displayed either on the URL address bar or near the top of the browser. This indicates the successful verification of the site's identity.

The changes will look slightly different depending on the browser you use:

• Internet Explorer: The URL address bar will turn green with the company and certificate issuer names displayed.
• Firefox: The name of the company will be highlighted in green inside the URL address bar.
• Safari: The name of the company will be shown in green near the top right corner of browser.
• Google Chrome: The URL address bar will turn yellow and display the name of the company.

What type of image formats can I submit?

PDF, JPEG, GIF or TIFF files are accepted. The file size must not exceed 2 MB (a maximum of 10MB for 5 files). The image resolution of supporting document(s) should be 200dpi or above.
The file name should not:

1. contain any spaces
2. contain non-English characters
3. contain special characters (except _.@-+!#[]()~)
4. exceed 50 characters (including file extension).

Where can I upload documents for a personal credit card application?

Upload supporting documents for a credit card application

Where can I upload documents for a loan application?

Upload supporting documents for a loan application

Can I submit the documentation later by using HSBC Online Document Submission Service after my Credit Card or Loan application submission?

Yes, you can upload supporting documents after your application for a loan or credit card has been submitted.

If I am overseas, can I still use this service?

You can still use this service when you are overseas.

What is the maximum number of documents I can upload each time?

You can upload maximum five files each time. The file size must not exceed 2MB for each file.

I applied for a personal credit card /personal loan through HSBC Branch / Call centre, can I also submit the document via online?

Yes, you can use this service to submit the supporting document(s) even if you have applied for a credit card or personal loan through an HSBC branch or call centre.

How can I find the application reference number?

An application reference number will be displayed after you have submitted your application online. You can leave the field blank if you cannot find the application reference number.

I have mistyped the application reference number, would that affect the application process?

It will not affect the application process if you mistyped the application reference number. If you mistyped the HKID or passport number, please resubmit the document once again with the correct HKID and passport number.

I forgot my application reference number, can I still upload the document?

You can still upload the document if you forgot the application number.

Can I cancel the document upload while it is in progress?

No, you cannot cancel the document upload while it is in progress.

How can I know if the document is successfully uploaded?

You will receive a confirmation page listed the uploaded file name(s) of the document upon successfully upload.

If the internet connection is unintentionally terminated while upload is in progress, what should I do? Do I have to upload all the documents again?

Yes, please upload all the documents again as HSBC will not receive the documents if there is any problem with the internet connection during the upload process.

If my Personal Internet Banking session has timed out and logged off automatically while upload is in progress, what should I do?

While upload is in progress, your Personal Internet Banking session will not affect the upload process.

Fraudsters might impersonate us and send you messages, asking you to provide sensitive personal information or click on a link.

We may send you alerts to keep you up to date on your account activities or to check that a transaction is genuine. However, we will never ask you to provide sensitive personal information such as your identity document number, credit card details (credit card number, expiry date, card verification value printed on the back of credit card), online banking passwords or one-time password (OTP).

If you receive an SMS asking for this kind of information, please stay alert, and:

• do not disclose any sensitive personal details
  
• do not reply to it or click any of the links
• contact us to verify or report the message