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.

Complaints Unit
Department Name: CVM-Customer Experience & Relations
Contact: Customer Relations Team
Address: Level 30 Menara IQ, Persiaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur
Telephone: +603 2075 6235
Facsimile: +603 8894 2811
Email: complaints@hsbc.com.my
cn drop an official email to them seeking for full resolution.

and tell them to reply their outcome to us officially.

if the outcome not to our satisfaction, use their email reply & escalate to BNM.

Thanks for the details. I just dropped them an email. Hopefully they will look into it seriously.

Hi, would you mind to share how you manage to get the waiver? Did you file a complaint with BNM before granting the waiver?

HSBC Visa Signature access 6x lounge is based on calendar year or based on card anniversary?

Not really, some cc is based on card annual, I got few card like that

I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance

I called again the customer service and he say card cancellation department will contact me in 3-5 working days..

By the way, for your case, is it the first customer service contact point person or the card cancellation department doesn’t allow you to cancel without paying?

Thanks.

Do you still remember the email address just in case I need to use it haha

I think it should be complaints@hsbc.com.my?

I also do not have any spending after the first AF charged to me, now only accumulate sst and af and finance charge.
Yetserday said already cancel all. Today said must pay sst only proceed with cancellation.

Then i said since u want me to pay sst , sst is for one year, i continue to use the card loh. She said NO, pay sst is the condition to cancel the card with AF and finance charge waiver.  I will do as per adviced above first, wish me luck no need to go to BNM

the record will stay for a year after card termination

chatgpt :

To date, I have not spent a single cent using this card. The annual fee and SST charges were entirely unprovoked, and I have made every effort to resolve this amicably. I am extremely disappointed with the handling of this case, the misleading information provided, and the lack of follow-through.

I am therefore requesting the following:

1. A full waiver and reversal of the annual fee and SST.

2. Confirmation that the TravelOne card account is cancelled with no further charges or statements to be issued.

3. A formal apology for the misleading and inconsistent communication from your customer service team.
does no.3 is needed?

lolz

the record will stay for a year after card termination

i think once the card is cancelled.
it will gone from CCRIS record.   
so even 1 won't hurt since it will be gone together with the card being cancelled.

I Have been using the HSBC Amanah Platinum card for few years.

Last month suddenly got a called from HSBC saying that i'm eligible for the new Visa Signature card. Tried to say no, however she insisted that i tried the card first.

Now i have received the new card in my mailbox. If i didn't activated it, i shouldn't have to pay the AF and SST, right?

What is better for this visa signature card anyway?

Yeah, when i tried to decline, they keep insisted for me to try it, said i can use this card to access the airport lounge. LOL i can’t even remember when was the last time i’ve been to airport.

So wise choice i just keep this card unactivated? Yes? Any problem if i keep it unactivate?

Thank you for the update mate.

I will be surely will be canceling as i dont spend much on this card, Visa Signature.

Just to ask you guys opinion, i say my service tax was charged in July2025. Which i think is my annual cycle month.
So if i want to cancel, should i wait till next year June and cancel? Or i should just cancel now?
What you guys think?

This year dont allow waive if didnt hit spending threshold. I called, even cancel also need to pay off the annual fee

This is very scary. Is it better if we just cancel the card before the card anniversary date?

I have the VS card and I just saw that the AF is RM600.

ill cancel 2 months before AF is charged. lol