2k/year is acceptable for me, for a while i tot 2k/mth. Normally i spend 2k/mth to get d 8%cb, certain month 0.

It's in the tariffs & charges pdf available on hsbc website. However, certain cards are excluded from this criteria

Anyone encountered unable to add card into apple pay?
Contacted cs but they said no token requested no error from their end
Newly approved and activated card

Is it possible to have both platinum visa and platinum MasterCard at the same time?

If yes, are the rewards points combine together?

Does HSBC Visa Plat give points for ewallet reload?

Based on my own experience 3 months ago.
Grab > yes, Boost > No.

Didn't reload ewallet using HSBC this recent months.

HSBC refused to waive the AF and SST for VS after I asked to cancel. Due to my frustration with them, I called to cancel T1 as well. T1 was cancelled and gone from my online banking but for VS is not.

Can I escalate to BNM? I didn’t spend anything with it and yet they refused to close the account. My CCRIS will have “1” this month and I wish to settle this issue before it carries to next month.

I’m traveling and will be back to Malaysia tomorrow evening, I plan to start doing my part on Wednesday onward. I called them several times before my trip and they said will seek for approval but eventually all got rejected.

So I will need to pay RM 625 before closing the account? Goodness.

Click on my name's "Show posts by this member only" in this HSBC thread. There are a few posts about BNM.

nothing related to BNM. it is depend on bank good will. besides, it is always a risk that bank wont waive annual fees. TNC did not say this card can waive annual fees. Some sites say use 2k or swipe 12x to waive however u wont find this info from bank tnc. That why always check bank cc tnc. U will lose if u don't have any doc tnc from bank to support it.
your best try is pay off the outstanding, cancel the card and see if retention team allow to counter offer.

You can read page 1 on this topic.

my bad experience is on Standard chartered. they revised the tnc and did not honor my welcome gift after 6 month.
Keep say new tnc does not meet requirement. Lucky I save the old tnc and showed to them. then they admit changed the tnc and give me welcome gift as they sure lost when I bring to bnm. However, I already dislike that bank as they did the same for jumpstart promo. So I 've terminated SC cc, follow by saving ACC & lastly jump start. say bye bye to that bank forever. Lesson learned, initially I plan to apply HSBC VS but found this loopholes. Therefore abort applying this card.

This post has been edited by ericlaiys: Jul 8 2024, 10:52 PM

Use the chat function in the hsbc app and reach out to them again since you are overseas now. Never know whether another CS will be able to solve for you.

This post has been edited by adele123: Jul 8 2024, 11:21 PM

https://www.hsbc.com.my/content/dam/hsbc/my...iff-charges.pdf

Page 42 stated clearly bro

Yours is SST only. Mine is with the AF. If it’s just SST, I will probably close both eyes and settle but RM 600 for AF.
Can I use your case to include AF as well?

I’m not going to pay for RM 625 for something which I don’t use.

I will do that when I’m back using chat function now. Tomorrow busy going around and if I have time in airport I will do it.

Is the attachment useful for me to fight when I escalate to BNM?

did u missed 1 transaction per month & 2k annual spend? If u did not missed and used more than 2k, then no reason for them to decline waive annual fees.

But this is a new T&C effective from 25June2024. Pg43.



This post has been edited by MGM: Jul 9 2024, 04:39 AM

I guess she can complain with point that she sign up where AF will be waived with 12x spend per annum and AF is charged in advance, she is not using the card after AF charged n requested to cancel the card, hence, HSBC need to reverse the fee imposed before cancellation.

2 years ago I saw also this doc
Perhaps they just put latest revised date

For my case which I highlighted above, I did wrote an email to BNM the same time I cancelled my card...and got a reply from BNM> below is the email:-

Dear Sir,

We refer to your e-mail on the above.

We understand your predicament and wish to advise you to liaise with Complaint unit of HSBC Bank Malaysia Berhad (HSBC) in writing via complaints@hsbc.com.my first to resolve the issue. If you already sent the complaint in writing, please forward to us the copy for our further action.

Please be informed that each financial institution have set up a designated Complaints Unit to handle any enquiries or complaint from their customer. The details of the complaints unit of the financial institution as well as BNM's complaint handling guideline can be obtained from our website at: https://www.bnm.gov.my/consumer-info/complaints

If you do not receive any response after 14 days or if you are not satisfied with the explanation from the Complaint Unit of HSBC, you may forward the reply from the Complaint Unit and lodge the matter to us for our further action through our webform : https://bnmlink.bnm.gov.my/

Thank you.

Hope it helps

You need to check back if AF is also charged in advance for the coming year similiar like SST. The reason it is charge is previous year did not meet the required swipes/spending.

If it is charged in advance, then can use my same SST argument.

If it is charged after the 12 months period, then I think have to pay already. Hence need to slow talk with the bank/CS to get exemption as closure.

Now still can email to BNM? I thought all complaint have to go through web form

I will drop an email to HSBC first, thanks for the email address because I have been talking to them over the phone.

Yes, AF is always charged in advance; same goes for all banks. Am I correct? I'm confused.