HSBC Credit Cards V.1



Click here to HSBC Malaysia Official Credit Card Website and to apply for thier credit cards.



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I can confirm that for the last 3 years (2012, 2013 & 2014), I did not get annual fee auto waiver for my HSBC Visa Signature even tho I swipe more than 12 times (click on the links I provided below to my articles to learn more). Before you sign up for a HSBC Credit Card, reconfirm if the annual fee is automatically waived with 12 swipes, i.e. get black and white from CS or ask the HSBC agent to show you where this is stated in the T&C.

Below is what cyang81 reported:

Main Benefits of HSBC Credit Cards in general
1. Discount at selected merchants (go to HSBC website to learn more)
2. Contest (not sure if this should be a benefit but many members here do win something from time to time).
3. More than 1X Points at selected malls.
4. Travel Insurance for Gold Card.
5. Free Purchase Protection Insurance Coverage for Gold Card.
6. 0% installment plan at selected outlets. Go to HSBC website to see list.


Disadvantage of HSBC Credit Cards versus other cards
1. Reward points 1X only (however you may earn more than 1X Reward Points at selected malls/transactions for limited time subjected to quota)
2. HSBC credit cards promos (i.e. 5X, 8X and 10X Reward Points) are designed to make you spend more money on non-essential stuff. You get 1X points only for essential expenses (TNB, Mobile Phone Bills, Astro, Unifi, etc).
3. HSBC tele-marketing agents will disturb you very frequent and pester you to sign up for their Personal Loans (quickest way to drown in the shit hole of debt).
4. Reward points are not evergreen, good for 3 years only.
5. You get nothing when using it to pump petrol unless there is a promotion by HSBC. Click here to Petrol Thread.

HSBC limited time Balance Transfer Offer
Please note that HSBC do not issue separate account for their Balance Transfer Plan and payment is based on hierarchy. You are advised to understand the terms and conditions before you proceed to apply for their Balance Transfer Plan. Click here to read my article on Balance Transfer Plans - Facts You Need To Know.

Ways to apply for the HSBC Credit Cards
1. Online by clicking on the official website and click Apply Now, the 1st link of this Thread/Post. Usually they offer some kind of welcome gift.
2. If you are in Klang Valley, best place is at Mid Valley on weekends where there are tons of HSBC representatives more than willing to assist you in getting a HSBC Credit Card.

HSBC Customer Service Contact Numbers - In my opinion, they are now the worst and unfriendliness auto tele-answering system in Malaysia as far as Credit Card Customer Service is concerned.
1. HSBC Malaysia Customer Service General Line 1-300-88-1388 or 03-83215400

Useful Information
When calling HSBC Customer Service, select BM instead of English to speak to a Malaysian representative. Thanks to aeiou228 where he posted at FD thread at Main Finance Section.

Notice to HSBC Agents, please click spoiler below:


NOTE
If you sign up for an online account to check your credit card transactions, you will no longer be issued any paper statements in the mail. So, if you want to have paper statement sent to you monthly, DO NOT sign up for online account.

When we call HSBC to beg for annual fee waiver, nowadays HSBC will tell us to pay the annual fee upfront and then they will credit us back the payment. Well, I won't tolerate that kind of ridiculous insincere offer but will demand that my annual fee be waived on the spot. Click here to read my article titled "My HSBC Visa Signature Pisses Me Off Big Time" where I shared my experience on annual fee waiver for my HSBC Visa Signature and hopefully you can learn a thing or two from it.



HSBC also advertised that their Permeir and Visa Signature offers you 5X, 8X and even 10X Reward Points at selected malls and for certain overseas transactions. But what HSBC never tells you is that what they advertised as benefits are not standard card features but limited time promos. And if you did not know, HSBC promos ARE NOT valid all year round but for selected months within a year. And you need to register for HSBC so call card benefits yearly!!!

UPDATE January 2016 - Super Mini Review of the HSBC Amanah MPower Platinum-i

If any of you are considering of signing up for the HSBC Amanah MPower Platinum -i and thinks you're going to get 8% cash back for Petrol and Groceries.. best you click here and read my Introduction To Credit Cards - CC 101 where I will show you the that max cash back for petrol or groceries with the HSBC MPower is 2.35%

This post has been edited by Gen-X: Jan 7 2016, 07:12 PM

I got 1. Plan to cut.

This post has been edited by joey2000: Jan 2 2015, 10:37 AM

free hwawei tablet, yeah

v.2 Reporting in...

I am a vs user since 2011, no issue with my annual fee.......automated waive by the bank. My usage for this card is more than 12x per annual, but amount is small.

haha...im opposite with you. Been using since 2005 but need to call in every year to waive annual fees. >24x/year ~ RM30k

Thank you for sharing your experience. May be this bank dun has SOP of annual waiver process

So far I only have one credit card and no other account with this bank.

Wah, why you get special treatment, i.e. auto waiver without needing to call CS to request for it.

I also have to call to request. And nowadays no more toll free and got to waste time pressing this and that to talk to a human.

plan to cut the amanah. 3% is too little and retail had dropped to 0.2% instead.

Checked my 2013 & 2014 statement......I din see any annual fee charged into cc account

Cash back 8% for >RM2000.
RM100 max cap for platinum and RM50 for Visa Cash back.

Even you spend RM2000 at platinum, when you should have got back RM160 (8%), but it only capped at RM100. So you are not really get 8% also. Am i right?

Yes.. Ur effective cash back just 5% if u spend rm2000

You are right, they just put 8% there to look like very high..

And somemore effective 2015, below RM2000 is only 3% cash back compared to the previous 5%

This post has been edited by y2ronan: Jan 2 2015, 03:18 PM

correct. this card's cashback is a trap.

assuming total spend RM2000, u only get RM100 (max) for the cashback for RM1250 spent.

The remaining RM60 cashback (RM750 spent) is self-subsidized. HSBC only give you RM40 cashback.

So use this as 3rd or 4th card, simple as that.

just get the tablet and HTC phone and cut it off :tumbs:

Already got the tablet but the phone no news yet

Any bro got the Phone?

New year, new thread !👍

yeah, and they keep amending their t&c.
they amended their t&c in 2013 adding in an allocation of rm7.5million fcfs basis.
then amended again in 2014 from rm7.5million to rm5.2million.

phone need to wait until 1st of feb to get to know the rest.


seems the budget allocated is keep on reducing. so they are not making money with their card?

No, they offer too many gift to attract new customer. Cerruti watch, then huai Wei , then ...etc. they spent off all their money. I guess

those gifts are already budgeted when they run a campaign. it's a gimmick for ppl to rush signing-up and *hope* to get a watch or tablet, etc. those who eligible while stocks available, fine. but how about those large percentage who didnt get anything? the bank still gain at the end.

and for 2015... it's down to RM4mil...

reporting in.. but hsbc rejected my application on nov!!!

Anyone got weekend cash back for Dec 2014?

Weekend cash back will only be credited after 6-8 weeks base on my experience. For dec 2014, you might need to wait.

Ah ok. Thanks. Was worried if the cashback limit has been exceeded

I like the VS, do lots of shopping in Mid Valley / Garden.
Got access to KLIA PPL, also was rewarded the Travel Cash Back and Last Digit Cash Back for total > rm250 in 2014.

CS is annoying thou.

HSBC sent me a message that they will auto-waive my AF without any request👍

How you know you get >rm 250 cash back in 2014? Will it show in your statement?

All i can say is HSBC is full of crap!! I applied the CC to get the watch in August. Got my card in September and did the 1.5k Transaction. And in December i called HSBC to ask what is my status on the watch and the CS told me I was eligible according to the list that came out that week after ages. And just a while ago i called again to see what is the status. The CS told me im not eligible!!! And that I was not in the 2500 first customers. If that is so why did they extend the promotion! They are cheating the public. I am going to write in a complain to HSBC now and CC Bank Negara. Also I am going to see what legal actions can be taken towards them. I going to make them pay!!!

And what a joke. I called them again to double confirm from another CS and was told that I am eligible for the watch and will be contacted soon. I dont know how they work. Haiz. Ill wait n see till next week.

This post has been edited by frozenkid: Jan 7 2015, 06:36 PM

I faced the same case with you. I reported to HSBC as the agent misleading me. Bank negara will be send soon.

get the CS name in case anything could follow up with.

These CB shown in statement as

- Travel Cash Back RM 200.00 CR
- Get Cash Promotion RM 22.00 CR
- ...

They came from few campaigns, e.g. Travel Spend Campaign, Get Cash Promotion (Last Digit of Approval Code)
Here is a link I found: https://www.hsbc.com.my/1/2/personal-bankin...spend-promotion

Other than the Campaign fussy T&C, sometime 'participant' will be requested to reply SMS for a question like "What is the color of HSBC's logo?" etc

Thank you. I received similar SMS also. I did reply. But I don't think I receive the cash back. Will check back my previous statement. Thanks

Yup i did. And just now at 10pm the night shift manager called me and apologized. I ask to send me any black and white that I will get the watch. She said she cant but will inform the marketing team expedite my case and contact me soon. Ill give them 2 weeks.

Anyone manage to get the tablet?

Are u refer to gift from ringgit plus?

There are few ppl already got it. U can check previous posts.

My sis n bro got the watches

My sis card approved 29/9, swipe rm1500 on 15/10 receive watch on 30/12
My bro card approved 30/9, swipe rm1500 on 14/10 receive watch on 31/12

Facing the same thing...my case is the ringgitplus free tablet..said i'm entitled when doing card activation, then after a week call again to check on the unique code, the cs said i'm not entitled as the approval date is not within the promo period...scolded the cs and ask why the previous cs said i'm entitled..at the same time i got email ringgitplus, and they said i'm entitled to it...call hsbc again and that cs said i'm entitled...sien

Ive just got my supp card, how to know if its linked to my phone number already?, since I dont get sms for every transaction like I do with my CIMB debit card.. Cause i need to register with paypal and need to see the details..

Tried to do online registration at hsbc website, but it says account doesnt exist

This post has been edited by Boy96: Jan 8 2015, 07:58 PM

I believe you have to go to the nearest branch to get your security device and get a t-pin

The 3,000 points to 1,000 airmiles is indeed a good deal. But there's a catch

Since it's a limited time promotion feature, there's a promotion period in place. Even if the promotion is extended, the points accrued in the previous promotion period cannot be converted in the next promotion period. I encountered it twice, 1 Jan 2014 - 31 March 2014; and then 1 Apr 2014 - 31 Dec 2014. Now there's 10,000 points that I could not convert to airmiles using the 3:1 ratio

What's worse is, I anticipated that in December, and try to convert all my points in end December 2014, maybe 20th Dec. But the request did not go through, I tried twice. And because the system does not allow you to print a copy of the conversion request, I couldn't prove to the customer service that it took place.

My suspicion is, they purposely do this so you burn some points. Next time don't spend on this card towards the end of the year and convert the points before even December

Yah, the HSBC 3:1 Enrich conversion is not sincere. Once I call CS and was told I can only redeem 1000 EM!!!!

That's why now I don't even bother to use my HSBC even if they offer 8X points at the malls. Nowadays, I only use my HSBC at places that give me discount.

hi, would like to ask i just apply for hsbc amanah mpower visa credit card, but is not yet approved, is it recommend to hold this card? let say if i want to cancel the card, i have to wait for 6 months? thanks for help

Walao... Tomorrow i call HSBC again.

how long i need to wait for reapply hsbc card again if my previous application was rejected? thanks

U can wait 6 month before repply again

Guys, better check your online statement for duplicate charge. My Amanah Platinum have a duplicate transaction that I made last week. Called the CS and was informed there was a problem last week and customers has been calling in to report the duplicate transaction.

When contact Ringgitplus. They ask to refer to the bank as to get the. Unique code.
Any help?

Update: I got the sms confirming i won the watch!! hehe. It says ill receive a call before mid February.

whoaa! finally gotten the watch

same case with you.
I did replied their email and cc bank negara.
they compensate me either rm250 ( 1st time rm200 and i demand i want the watch) , or the htc phone at the last campaign worth rm 499.

Yet I have not see the rm 250 in my statement yet.

Wow. U better follow up. When you complied to the purchase to get the watch? As for me I got the card towards end of September and did the 1.5k transaction first or second week of October.

You how leh?

I want to apply this HSBC card thru RinggitPlus for a free Huawei tablet. But I just cancel HSBC card last year....I think already more than 6 mths, but less than a year.

Do I qualify for the free tablet? I check thru their terms n condition, no mention about this.

apply a different type of card which u cancelled lo....once approved you'll received the tablet i guess....
i'm applied and approved d....now wait for the code 3rd HSBC card hehe

Wow meaning your're awaiting for your 3rd tab?

2nd tab...my first card cashback rm150 only...that was soo long ago, 2nd card the Tab is rm1500 spend from HSBC, 3rd from Ringgitplus

Is the tab really that good?

nope....who doesn't want free stuffs especially a tablet
this is for the fun of it only....

This post has been edited by destiny6: Jan 20 2015, 08:04 AM

wau, similar with me.
1) got Rm250 year 2013
2) got Huawei last year.
3) just apply a new card with BT, try to get Rm250 (-RM50 gov fee) rebate. hope can get it. but 2nd card just over 6mths

hey wanna check.. does HSBC revise their all retail cash back from 0.5% to 0.3% ( or 0.2% base on ringgitplus.com)

is this true..?

if yes time to cancel it.

This post has been edited by yahiko: Jan 21 2015, 11:00 AM

0.2% now only
if u prefer to travel with cathay then this can be a card to keep. no other reason.haha

You mean the Amanah card?

yup
from 5% to 3% for spending below 1.5k
and the rest is 0.3% to 0.2%

when i 1st used it was 0.5% for others

Anybody got the Free HTC Smartphone from HSBC already??

Then the sales man lied to me at the road show. He told me that my plan will remain the same as the time when i signed up even if there is any changes. Haiz. U clarified this with HSBC already?

it is in the TnC. i have this card since 2011 or 2012
the TnC change every year.

nvr trust those salesman , they only wan their sales.
but what do we get here.

Haha, y apply with salesman when online apply via ringgitplus is better with HUAWEI tab?
The benefit is not attractive anymore. I guess most of us apply bcoz of free gift as sign up bonus.

Got the Cerruti 1881 watch but it is a man's watch. Or is it unisex?

I plan to apply the amanah HSBC through ringgit plus to get the huawei tablet.
For amanah platinum, the annual fee is rm240 but it will be waived if swipe 12 times.

I want to double confirm, does that mean that once I applied it will charge rm240 to my bill directly? When my transaction reach 12 times then I call them to waive?

Or is it first year it was waived but subsequent year need 12 swipe?
Also, should I went to non-plantinum since the annual fee is cheaper.

Appreciate anyone can answer me, thank you.

This post has been edited by cashie: Jan 23 2015, 09:07 PM

1st Year is Free with NO Annual Fee,
As for Subsequent Years AF Wavier subject to 12x Swipes p.a

Finally after 3 cards without no verification, this bank tele sales officer asking my epf.. ha ha ha,.. this card sucks but i want free gifts tablet from ringgitplus + 250 cash back..

i told the officer i'd like to cancel my application since so fussy need to print epf.. and she told me she will communicate with processing officer...

after yesterday communication suprisingly i receive sms from hsbs card approved. lol hsbc... i will cut this card after 3 months after i got the cashback and tablet...

ha ha ha.. !

got my cerruti watch already. does anyone know what's its market price? i wanna sell it..

At Cerruti Retail shops it selling between RM900-1000. Hey if you dont mind could you share pics on how it was packaged etc?

This post has been edited by frozenkid: Jan 25 2015, 02:30 AM

Just received my new approved card. Anyone can share how long to expect to received sms 'codes' for tablet & how long to received tablet? and when can we expect the rm50 + rm200 cash rebate? please share & thank you.

Came across this thread and found it rather interesting. Is ringgitplus a safe platform?

Anyway, just apply any HSBC card and get a free tablet upon approval? I also note that even for platinum cards, rm36000 annual income is enough? shouldnt it be higher or its part of the promo?

thanks for the details.

here's the pic:

yes quite safe i think ...it's just a medium to connect you to HSBC, ringgitplus got your contacts and passed it to HSBC to contact you
if your concern that your contact details might be sold to other ppl by ringgitplus then i not sure la...

Thanks I've just applied for HSBC Amanah Platinum. As I have sent in an application before the 28th Feb (speecial ends then), will I still be eligible for the free tablet even if approval is after 28th feb?

Also, the annual fees is confirm can be waived after 12 swipes right?

that's the TnC from ringgitplus la....at the moment i've yet to receive my unique code from hsbc yet and just got the card today
your card will be approved b4 28/2 la don't worry....shouldn't take that long if fulfil all criteria

That fast meh? I applied via ringgitplus. They sent me an email asking me to fill in the form at hsbc, followed the steps. Whats next?

wait for HSBC's call....they will help you with the application
today only 26/1 usually took around 5-6working days max for the application

I see. But im just abit worried about the annual fee. Can confirm if it will be waived if swipe 12 times in a year?

Can call to waive, or go to hsbc branch and ask, the CS there will waive for you.

This post has been edited by ronron: Jan 26 2015, 11:24 PM

I can 100% Confirm to You the Annual Fee can be Waived with min. 12X Swipes a Year, Member since 2011 (Amanah Plat & HSBC Platinum Card) Never pay a single cent of AF...
http://www.hsbcamanah.com.my/1/2/amanah/pe...al/credit-cards

Thanks. Is there a limit as to the swipe? Like do I need to swipe 12 times of at least x amount?

any amount, as long as 12 transactions.

Btw, HSBC is quite fast. Called me today to get some details and have confirmed over the phone that 1st year annual fees will be waived and subsequent years, just 12 swipes would do. Meanwhile, they told me that application will take up to 14 days!! Will they be contacting me to get my payslip etc?

they should ask u submit relevant documents.. if they dont ask meaning they haven't submit ur application yet

Very nice indeed. Thank alot for the preview.

Sorry for repeat question, but searching around there doesn't seem to be a limit T&C for the huawei tablet promo from ringgit plus. Anyone knows any different?

Also, if I apply for the card, swipe once (offset GST) then cut it after receive tablet no cost to me right?

Or I could spend the additional RM1500 to get 13% cash back and then cut? Because this card can't fight my Maybank2Kard.

T&C is here https://media.ringgitplus.com/creatives/1f2...68_campaign.pdf

How can u get 13% cash back when spend RM1500?

This post has been edited by sms2u: Jan 31 2015, 11:44 AM

You spend RM1500 you get back RM200 (new first time card only, within first 45 days). 200/1500 = 0.1333

Actually, if I apply the cashback cards and spend RM1500 on the petrol, grocery, dining on weekend I can get 18.33% =p

HSBC credit cards are good as a backup card especially when you are travelling overseas a lot. The rewards and cashback benefits arent as good as other local banks though. One featute I like abt the HSBC card is it can be configured to access yr savings acount and be able to withdraw cash from the savings acct hence there is no need to carry an additional ATM card.

And also if not mistaken, HSBC gold is the only gold level credit card that has Takaful cover.